Problems are a “portal” to a new Universe: where we have more money and comfort, a better career and relationships. Have you done everything perfectly - but still haven’t gotten the desired result? Well, you need to add one more ingredient - time (it = patience). The result must be given time to “ripen”. To get what we want in life, we will have to “roll up our sleeves” and work hard. Buy a lottery ticket here will not help (even if you buy them in packs every day). Stop whining about the fact that your glass is “half empty.” Stop being happy that your glass is “half full.” Figure out how to fill the glass to the brim - and just do it! Sustainable monetary well-being = (1) Increase incoming “cash flow” + (2) Reduce outgoing + (3) Invest the difference (i.e. carry consumption into the future). * Can you handle it? We can all be replaced. At any moment, each of us can be fired. From the employer’s point of view, all employees are (1) “one person” and (2) “disposable.” (1) It makes no difference who is hired for the job - any person is capable of fulfilling job descriptions (at approximately the same level of quality).(2) Which allows you to quickly find a replacement for an employee who is “burnt out” or has seriously “messed up”.* Have you encountered anything like this? We must invest. Because our money is lying on bank deposits, “burn out” due to inflation. In investments, money outpaces the inflation rate (over long time intervals) By the way: There is no one to buy apartments. More than 60% of the constructed housing (of varying degrees of completion) did not find its buyers. What conclusions follow from this? On a forum for entrepreneurs, I came across a List of 15 steps to financial freedom - and found there a clause about the obligatory nature of investment life insurance and the absence of a clause about the purchase of index funds. This List was compiled by financial consultants - and they are actively pushing it to entrepreneurs. This is all you need to know about the greedy stupidity of insurance sellers (they receive a reward of up to 110% of the amount deposited by the client) - this explains their zealousness when selling insurance (savings and investment life insurance ).The business model of investment companies is built on the harsh exploitation of fears and ignorance of their clients about options for increasing money. They are not our (investors') friends, they are on the other side of the barricades. Read last year's forecasts compiled by your broker and investment analysts. And you will see that you should not take seriously a single word they say, as well as their forecasts for this year (and even more so, their advertising of their services) “The Richest Man in Babylon”Have you read this book? Its author is George S. Clason .This is the first book that you should read on the topic of money and its increase.Have you read the book “The Richest Man in Babylon”?1) Yes, I have.2) No, I haven’t.3) I haven’t read it, but I’ve heard about it.4 ) I haven’t read it, but I’ve heard about it and will definitely read it. 5) Another answer option. Additionally: Read my other article “Where should you NOT invest money? TOP 3 most dangerous places for your money." I will be grateful for your likes and reposts of this article. Author of the article - Alexander Evstegneev, personal finance expert, author of 20 books on financial literacy, investor with 25 years of experience, laureate of the Russian Ministry of Finance Prize for the best media project on financial literacy