Are you in your 40s or 50s and worried you’re falling behind? Here are 4 no BS things you should do today?

If you're in your 40s or 50s and feel like you're behind with money, then these are the five no BS things that you need to do right now coming from a 37-year-old self-made millionaire and former public school teacher. 

One, you need to get rid of your fixed and broke mindset and adopt a  growth mindset instead because you still have time. These are the books I recommend because they changed my life.

Two, you need to budget aggressively. Cut down on unnecessary expenses and increase your earned income even if it requires you to get a side hustle because you need to make up for lost time. These are the tools that will help you budget.
Three, immediately build an emergency fund in a high-yield savings account, not a regular one. These are my favorite ones, but you can use whatever you're most comfortable with or you can comment HYSA and I'll send you my links. 
Four, open and invest in a Roth IRA as soon as possible. If you're younger than 50, you can contribute up to $7,000 a year. If you're older, you can contribute up to $8,000. Stick with the S&P 500 and Dow 30.

This isn't the time for IPOs, meme stocks, penny stocks, or even cryptocurrencies. There's way too much risk. I'll leave five down below.

I hope this helped.

By age 30, you should be old enough to accept these four realities

By age 30, you should be old enough to accept these four realities. Most people never understand number four until they're 50. You might want to save this video so you can always come back later.

1. Instead of focusing on the people who left, focus on the people in your life who have chosen to be there. Focus on the ones who stayed and the ones who appreciate you and respect you. Focus on the ones who empower you and make your life beautiful.
You are surrounded by human beings who know that they want you in your life. Never take them for granted. 

2. People who have good hearts will always end up losing because they will always give more than they receive.
They always forgive and they always accept the love they get, even when they know they deserve better. 

3. Don't kill people with kindness because not everyone deserves your kindness. Kill people with silence because not everyone deserves your attention.

Lastly, for every experience, both the good and the bad will eventually get you to where you are supposed to be. Every win, every loss, and every mistake. Don't be afraid to mess up and don't expect success overnight.

Get lost, then find yourself over and over again. Work hard and learn to enjoy the process of your journey. Remember, the people who like to walk will walk further than the people who just like the destination.

Top Five Ideas in the World: Insights for Success

In our quest for success and understanding, certain principles and laws have emerged as guiding lights. These ideas, though simple, offer profound insights into various aspects of life and work. Here are the top five ideas that can help you navigate challenges and achieve your goals.

1. Murphy’s Law
“The more you fear something, the more it will happen.”

Murphy’s Law is a reminder that our fears can often manifest into reality if we let them dominate our thoughts. This principle encourages us to face our fears head-on and prepare for potential setbacks. By doing so, we can mitigate risks and turn challenges into opportunities. Embracing this law helps us stay proactive and resilient in the face of adversity.

2. Kidlan’s Law
“If you can write the problem down clearly, then the matter is half-solved.”

Kidlan’s Law highlights the importance of clarity in problem-solving. When we articulate a problem clearly, we gain a better understanding of its components and can devise more effective solutions. This principle underscores the value of communication and organization. By breaking down problems into manageable parts, we can approach them with greater confidence and efficiency.

3. Gilbert’s Law
“The biggest problem at work is that no one tells you what to do.”

Gilbert’s Law sheds light on a common workplace challenge: the lack of clear direction. This principle emphasizes the need for effective leadership and communication within organizations. When employees are unsure of their roles and responsibilities, productivity and morale can suffer. By fostering an environment of transparency and guidance, leaders can empower their teams to perform at their best.

4. Walson’s Law
“If you put information and intelligence first at all times, then the money keeps coming in.”

Walson’s Law underscores the value of knowledge and strategic thinking in achieving financial success. By prioritizing information and intelligence, individuals and businesses can make informed decisions that drive growth and profitability. This principle encourages continuous learning and adaptability, essential traits in an ever-evolving market. Investing in knowledge and staying ahead of trends can lead to sustained financial gains.
5. Falkland’s Law
“When you don’t have to make a decision, then don’t make a decision.”

Falkland’s Law advocates for patience and restraint in decision-making. Sometimes, the best course of action is to wait and gather more information before making a choice. This principle reminds us that not all decisions need to be made immediately and that taking the time to consider options can lead to better outcomes. By avoiding hasty decisions, we can reduce the risk of errors and make more thoughtful, strategic choices.

Conclusion
These five ideas—Murphy’s Law, Kidlan’s Law, Gilbert’s Law, Walson’s Law, and Falkland’s Law—offer valuable insights into various aspects of life and work. By understanding and applying these principles, we can navigate challenges more effectively, make better decisions, and achieve greater success in our personal and professional lives.

3 books to read

1. No more mister nice guy- Dr Robert Glover
2. The way of the superior man - David
3. How I found freedom in the unfree world
- Harry Brown

Doa Tingkat Tinggi


Allah Subhanahu Wa Ta'ala berfirman:

اِنَّ الْمُسْلِمِيْنَ وَا لْمُسْلِمٰتِ وَا لْمُؤْمِنِيْنَ وَا لْمُؤْمِنٰتِ وَا لْقٰنِتِيْنَ وَا لْقٰنِتٰتِ وَا لصّٰدِقِيْنَ وَا لصّٰدِقٰتِ وَا لصّٰبِرِ يْنَ وَا لصّٰبِرٰتِ وَا لْخٰشِعِيْنَ وَا لْخٰشِعٰتِ وَا لْمُتَصَدِّقِيْنَ وَ الْمُتَصَدِّقٰتِ وَا لصَّآئِمِيْنَ وَا لصّٰٓئِمٰتِ وَا لْحٰفِظِيْنَ فُرُوْجَهُمْ وَا لْحٰـفِظٰتِ وَا لذّٰكِرِ يْنَ اللّٰهَ كَثِيْرًا وَّ الذّٰكِرٰتِ ۙ اَعَدَّ اللّٰهُ لَهُمْ مَّغْفِرَةً وَّاَجْرًا عَظِيْمًا

"Sesungguhnya orang-orang lelaki yang Islam serta orang-orang perempuan yang Islam, dan orang-orang lelaki yang beriman serta orang-orang perempuan yang beriman, dan orang-orang lelaki yang taat serta orang-orang perempuan yang taat, dan orang-orang lelaki yang benar serta orang-orang perempuan yang benar, dan orang-orang lelaki yang sabar serta orang-orang perempuan yang sabar, dan orang-orang lelaki yang merendah diri (kepada Allah) serta orang-orang perempuan yang merendah diri (kepada Allah), dan orang-orang lelaki yang bersedekah serta orang-orang perempuan yang bersedekah, dan orang-orang lelaki yang berpuasa serta orang-orang perempuan yang berpuasa, dan orang-orang lelaki yang memelihara kehormatannya serta orang-orang perempuan yang memelihara kehormatannya, dan orang-orang lelaki yang menyebut nama Allah banyak-banyak serta orang-orang perempuan yang menyebut nama Allah banyak-banyak, Allah telah menyediakan bagi mereka semuanya keampunan dan pahala yang besar."

(QS. Al-Ahzab 33: Ayat 35)

Via aplikasi Al-Qur'an https://quranformobile.com/get/ms

The real wealth

I'm healing, I'm self-improving, I'm re-descovering, I'm starting over and I'm grateful 🙏

to my son & daughters

12 of the wisest things ever said by Simon Sinek

1) people don't buy what you do, they buy why you do it. 

2) leadership is not about being in charge,  it's about taking care of those in your charge.

3) working hard for something we don't care about is called stress,  working hard for something we love is called passion. 

4) a boss has a title, a leader has the people.

5) the goal is not to be perfect by the end,  the goal is to be better today.

6) when people are financially invested, they want a return. When people are emotionally invested, they want to contribute.

7) there is a difference between giving directions and giving direction.

8) great companies don't hire skilled people and motivate them, they hire already motivated people and inspire them. 

9) trust is built on telling the truth, not telling people what they want to hear.

10) the responsibility of leadership is not to come up with all the ideas, but to create an environment in which great ideas can thrive. 

11) to create something really great and to make a real difference, you have to have the courage to start with why. 

12) the greatest leaders are not those that do the greatest things, the greatest leaders are those that inspire others to do great things.

Tetaplah bersyukur dengan Rezeki yang dapat walaupun tak dikurniakan kekayaan seluruh isi dunia

1. Rezeki datang dengan kita berusaha.

2. Rezeki akan ditambah dengan kita selalu mensyukurinya. Jadi, bersyukurlah.

3. Rezeki akan sentiasa melimpah ruah apabila kita sentiasa menjadi hamba Allah yang bertaqwa dengan mematuhi segala perintahNya.

4. Rezeki akan hadir disebabkan sentiasa beristighfar.

5. Rezeki boleh datang melalui perkahwinan oleh itu jangan takut untuk berkahwin.

6. Rezeki buat isteri dan anak akan disalurkan melalui suami.

7. Rezeki akan mencurah-curah jika kita sentiasa melazimi sedekah kepada fakir miskin.

8. Sentiasa menjaga Solat Dhuha.

9. Sentiasa membasahi lidah dengan berselawat ke atas junjungan besar Baginda Rasulullah.

10. Mengamalkan bacaan Surah Al-Waaqi'ah di malam hari.



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