Marc Frank Montoya – Mister Contrary

Tag: broke

  • Scared Money Don’t Make Money – 5 DOs and DON’Ts Of The Free

    Scared Money Don’t Make Money – 5 DOs and DON’Ts Of The Free

    If I didn’t “get it”, I was never going to be free.

    Hardcore success training dot comIt’s crazy to remember how I felt back in the day, when I used to think that working harder was the key.

    My Dad always told me, “you gotta work HARD”, and I tried it for many painful years, living that  month-to-month struggle.

    Even back then, it was the same story :

    The dollar was depreciating, but nobody was getting significant raises. There were other people like me that had jobs, but were always broke, living paycheck-to-paycheck.

    And still today, everyone is looking for supplemental income and many are going out and getting 2 and even 3 jobs, thinking that it’s going to change something.

    Sadly, they have no idea they are actually working backward, by doubling and tripling their tax burden.

    You’ve Heard The Same B.S.

    Your parents told you, “If you just put your head down and work harder than others, you’ll win!”, but this isn’t the most accurate information.

    The catch phrase “Financial Freedom” is thrown around a lot today, but pretty d*mn elusive for employees and the self-employed. I know, because I used to be there…

    So, in this post, I’m going to reveal “5 Don’ts” that I have discovered, that keep most people struggling. This information has helped me get free from the every day stress and grind of doing “normal” daily things.

    Now, if you’re ready to live outside of “the box”, I have a warning:

    You’ll have to unlearn almost everything you’ve ever been taught about money and time. (Unless that is, you were raised by parents who are free, financially, with tons of quality time freedom.)

    So here are 5 initial “NO NOs”, coming straight from the mouth of the mentors I’ve learned from, who are outside of the box and who are totally financially free.

    Ready? GO!

    1. DO NOT: Make un-educated decisions:

    The majority of hard working month-to-month struggling employees have one thing in common:
    Network Marketing Recruiting can be EASY. Marc Frank MontoyaThey say “no” before they even know what they are saying “no” to.

    Sometimes, business owners, (and even Home Business owners) also do the same thing, which keeps them struggling for time freedom.

    The word “opportunity” in the United States is taken way too lightly, because there is so much of it flowing everywhere.

    People in the U.S. take it for granted, but the foreigners know more about the ‘American Dream” than the we do!

    It is absolutely insane that Americans think the American Dream is to “go to school and get a safe secure job, working for someone else, 40-50 hours/week for 40 years, and retire when you’re 65-70 years old! Haha!!

    “And THEN you can travel the world and have time with your loved ones!” LOL!
    Are you freaking kidding me?

    On the other side, many people self-employed or have their own small business. It is a bit better than a job, but basically we only bought ourselves a job, and we are basically owned by our own business.

    Now, I have had several traditional businesses, but it felt like I was married to them but couldn’t say I was in love with them.

    I used to pass up great opportunities every day, because I thought I was “too busy”, and I stayed busy for way too many years until it became painful to be way from my kids and I had to open my mind to better ideas and possibilities.

    Closed minded blinders , scared moneyHave you ever seen the poor horses downtown, pulling the carriage, with those “blinders” over their eyes, so they don’t get spooked? This is great metaphor for closed minds. —–>

    We all would love to think we are open-minded, but then we walk around saying “no no, I’m not interested” to everything and anyone who approaches, (even if many of those offers could greatly benefit our lives or businesses, we wouldn’t know it, because we already said “not interested”!

    This is actually not our fault, but, (because of the TV, radio, newspaper trying to sell us everything), we have been PROGRAMMED to say “not interested” to everybody and everything, making extremely uneducated decisions, without at least looking at the information to weigh the value of it and make an educated decision.. .

    The challenge for most people is, this fast-paced world of new technology and innovation changes every day, and the only way to catch the wave is to be in front of it.

    If you’re not open to the new information – (walking around like a zombie saying “not interested” thinking you already know what it is), you may always be in the dark, making un-educated decisions, missing growth windows and waves, causing you to struggle, month-to-month.

    DO: Make educated decisions:
    When opportunity knocks, or people approach, invest the time to discover any new information that may just benefit you.

    2. DO NOT: Tell yourself stories:

    When listening to people’s language patterns, mentors believe they can immediately tell if the person speaking will be successful or not.

    You can either have doubt and excuses, (stories you tell yourself for why you’re not where you want to be), or you can be successful, but you can’t have both. Is your cup half empty or half full?

    All day long, we talk out loud, and in our head, making up stories about why we are not where we would like to be in life, and giving meanings to things that happen to us. Most of us have no idea that we even do this.

    Here’s the deal: It’s not what happens to you that matters. It’s the meaning you give to what happens to you.

    You can either use is as a learning tool, (a stepping stone to grow stronger), or you can use it as an excuse and play victim. Are you going to continue to blame outside events for where you are, or are you going to own your life and take responsibility to change the outcome?

    It’s called response-ability! You have the ability to respond, and create a different outcome the next time. I believe everything happens for a reason, and it is to build you into the person you needed to be, in order to help others break through the same barriers and patterns.

    Break your bad patterns and limiting beliefs, and you will change your life. No more stories! You want to be successful, but life doesn’t give you what you want – it gives you what your deserve.

    DO: Invest in yourself and do whatever it takes to change your situation, so you will be in the position – (a knowing space) – to be able to help others break the barriers that used to hold you back. The amount of money you make in this world is directly proportionate to how valuable you become to others in the market place.

    3. DO NOT: “Stare in the rear view mirror”:

    Have you failed before? Have you seen others fail? Are you scared of even taking the risk again, for fear you might fail again?

    So, what if you looked in the rear-view mirror the whole time you tried to drive forward down the freeway? You wouldn’t get very far.

    If you’ve ever had a very bad experience at a restaurant, did it keep you from ever eating again or trying other restaurants? It’s a good thing that didn’t stop you from eating, right?

    So why would you do that with business ideas – paralyzed with fear just because of your past experience, (or worse), the experience of someone else?

    Why would you insist wasting thought energy on re-living your bad experience and basing your future success on past experience of others?

    Yes, it is fine to be skeptical, but do you consider yourself educated? Intelligent forward thinking entrepreneurs know that you must keep your mind open, always looking forward to new opportunity, and look to make educated decisions.

    If you know someone who has failed in the past, don’t let it keep you from keeping your eyes open, looking forward.

    DO:  Look FORWARD toward your big dreams. Look for future, ideas, and opportunity. Assume it will work and visualize the best outcome! Do whatever it takes, and NEVER QUIT. Remember: 95% of people quit on their dreams, but 100% of people that don’t quit, make it!

    4.DO NOT: Be a “Laggard”:

    Take a look at the percentages of different categories of adopters. Adopters HardCore Success Training dot comNow think about all of the new technology and innovation that comes out every day. Which type of person are you?

    a. Are you the “crazy” innovator that has all the ideas? Do you ACT on those ideas? The innovators are a many times a bit “too early” and everyone thinks they’re “crazy”… at first!
    This makes it more difficult. Many times the market “wasn’t ready”. If they don’t quit on a great idea, it ends up moving forward. This is a very hard category to be in but pays off huge with persistence, fine tuning, and massive action. OR,

    b. Are you an early adopter that stays open-minded to be in front of the wave? These ones are the ones who make a lot of the money in shorter amounts of time and energy. Hesitate, and you miss the wave. OR,

    c. Are you an Early Majority type of person that hesitates until “it’s more safe”? Sometimes this means making less money because the window of opportunity has almost passed. OR,

    d. What about a Late Majority type of person, following the heard, that only does it when it’s “completely safe”, never taking risks, jumping in after “everyone else” does. Would there be much opportunity there? OR,

    e. Finally, are you a Laggard that finally breaks down, the last one to buy the VCR player, even though the DVD player is already for sale…

    DO: Be an Innovator and/or an Early Adopter:

    When there’s an opportunity and it makes sense, JUMP ON IT, and take massive and immediate action to be in front of the wave! If you have a fear, run straight toward it. Timing is EVERYTHING in business, especially if you want to catch and ride the waves. If you don’t do it, there’s always someone else who will. I’ve witnessed it over and over and over in my life.

    5. DO NOT: Put your hand out:

    But don’t get the wrong idea! Instead, put your hand UP, and reach up for help!

    Personally I looked for mentorship from people who have been through it all.

    The “employee mindset” is where you put their hand out, taking no risk but asking for money.

    Their relationship with money makes them think they need the money “now”, which is why they look for a paycheck every two weeks.

    This is why as an employee, I always felt like I was at the bottom, working hard to build the dream of someone else and complaining that I never get paid what I’m worth! 

    On the other hand, the entrepreneurs invest their money and time and learn the delayed gratification. They know you have to take the risk to get the reward.

    I heard someone say the other day, “I just want to find something where I don’t have to spend any money, where I can have financial security”. I said, “you’ll be looking for a loooooong time!”

    There’s no security in a J.O.B.

    In fact, it’s risky – you’re not in control of your income and can be laid off any time someone else chooses. 

    The only way to have any real freedom and security, is to start your own business.

    The ones who seek “safe secure” jobs are the ones who are in DANGEROUS situations, one check away from bankruptcy and the whole family being out on the street.

    I personally believe that the only safe secure thing you can have is multiple streams of income and solid business assets, run by proven systems – economy proof!

    So…

    DO:
    Invest time and money into yourself.

    Take the risk to get the reward.

    Take action NOW! If you’re too scared to let go of your money, you’ll always play defense.

    Instead of playing “not to lose”, play to WIN. Play offense, and let’s get you WINNING the money game…

    Hope this was helpful.  If you’d like to learn more about future innovation and opportunities, you can always connect with us here.

    Can’t wait to hear your story..

    Talk soon, much love,
    The World Is Yours, M!

     

  • 10 Reasons For Your Long Term Financial Struggle – (A.I.R.)!

    10 Reasons For Your Long Term Financial Struggle – (A.I.R.)!

    If you’ve been struggling, or simply not satisfied with your results, then you must change your habits to create change.

    Uh oH! THIS MAY HURT!
    Here are 10 reasons that cause painful, long term, financial struggle, and why you MUST Get Rid Of AIR,
    (Automatic Income Reducers!), NOW  !!!

    I’m going to give you a list. If you follow my directions, you will gradually see positive change in your life!

    You may not enjoy hearing some of these, because it may be “uncomfortable” for you to “sacrifice”, but these are most likely the exact things keeping you from achieving your own big dreams and freedoms.You don't need A.I.R.

    #1. Your TV
    Get RID of it! Painful? Hmmm you sure aren’t going to miss anything, I GUARANTEE it.

    You can turn it back on in 10 or 15 years and the SAME EXACT shows will still be on, full of negativity. The news, stabbings, shootings, people robbing each other, wheel of fortune, etc.!

    Did you know that the average kid spends 20,000 hours watching TV before they even turn 18?

    The sad part is: It only takes 10,000 hours to gain “specialized skills” at something to be PROFESSIONAL at it! What a shame!

    Get rid of “Dancing With The Stars” or whatever you’re watching, and pick up a Self-Development or Wealth Book instead!

    #2. Negative Whiny Broke Friends
    If you notice, struggling people talk about THINGS and OTHER PEOPLE. They also complain a lot. Have you ever noticed how they attract other people to waste time with them, whining and complaining?

    Most people waste valuable time and money on things that do not help their growth or self-development.

    People attract people like themselves, so you must find POSITIVE people that love to talk about IDEAS and the FUTURE, constantly working on THEMSELVES!

    Hint: Usually these people are wealthy! Success leaves clues!

    Now that you know, observe, and you’ll see exactly what I’m talking about.

    I’m not saying you have to “get rid” of your friends or family. I’m just saying you don’t have to hang around them as much if you’re actually trying to get out there and live an extraordinary life!

    Remember: You ARE who you hang around! If you hang around people that don’t build for their future, going nowhere, (who just go to work and back, then come home, plop on the couch, drink beer and watch TV), you’re going to go there too!

    #3. The Bar
    It makes me laugh when I hear so many people crying “Geez I don’t have the money!”, but then I observe them wasting their life in front of the TV, playing Xbox, and at the bar spending $60 on their friends!

    Again – if you hang around people that waste money drinking at the bar, you’re gonna do the same.

    We usually don’t notice the smaller increments of money coming out of our pockets daily, (and never break down or budget), so we don’t understand that it adds up!

    $80 -$160 on the weekends adds up to you not being able to invest any money into any assets!

    #4. Football, Basketball, Hockey games, Movies, etc.
    Yeah I said it! You heard me right! I know this to be true, from personal experience.

    If you want to watch football and reality shows more than you want success, then there you go.

    Here’s my saying: “Why sit on the sidelines, spending your hard-earned money to watch other people live THEIR dreams, instead of investing the practice and training into YOURSELF to achieve YOUR OWN dreams!”

    Plus, read this, it may piss you off!

    #5. Video Games
    Seriously? I can see if you’re 12 years old, but c’mon now. Time to create a future and MAN UP.

    If someone told you that you could be a Multi-Millionaire in 5 years by reading 2-3 hours a day of the right Wealth or Leadership books, how many of you would make that change?

    How bad do you want it?

    Wasting hours and hours and hours getting good at things that do absolutely nothing for your future will be PAINFUL in the long run.

    The information is there for your taking. The difference between RICH and POOR has everything to do with the CHOICES you make with what you do with your spare time!

    Work harder on yourself than you do at a “game” or your job, and watch what happens in 5 years.

    10 reasons for failure!
    Click to ENLARGE! Pay attention!

    #6. The Couch
    When you exercise and get your blood pumping correctly through your body, you are able to think more clearly throughout the day.

    If you do not exercise in the morning, you will notice fatigue, a lack of clarity, and weak thoughts.

    How can you expect to change your life for the better if you don’t have any energy or the mood to do so?

    The number one reason for bankruptcy today is medical bills. Get your exercise with a real beneficial hobby!

    #7. Disgustingly Unhealthy Processed Food
    Bad eating habits make you fat, cause fatigue, cause chemical imbalance, and duplicate more free radical damage to the cells in your body, resulting in bad cellular communication/dis-ease.

    If you don’t have the energy or mind clarity you need to thrust forward in your life, you’re going to be mediocre/normal – a statistic.

    Don’t just listen to me, check the statistics. You do not want that lifestyle, unless you like Heart Disease and Cancer.

    Now on the other hand, if you consume 7-13 raw servings of fruits and vegetables every day as a lifestyle, you would remove yourself from every disease category by at least 30%.

    Ask yourself this question: What do I have if I don’t have my HEALTH?

    What’s the point of spending time chasing money at a job to make car payments and things, if you don’t invest in our own health, and then develop health issues down the road?

    Again, the #1 reason for bankruptcy today is DOCTOR BILLS caused from bad nutrition. Marinate on it.

    #8. New Cars
    Yep! Most people love to “act” or LOOK successful, keeping up with the Jones’, but in reality they are just in DEBT, like the other 98%.

    If you would want any chance at financial freedom, you must have the smarts to invest time and money into ASSETS that appreciate.

    A car is a huge liability that depreciates extremely fast. Same as your TV and other toys. Don’t do linear work to pay for liabilities. Your assets should pay for the toys, so you don’t have to.

    If you invest that same money and time into YOURSELF, reading books, attending seminars, courses, and trainings to increase your Financial IQ,  you’ll be able to buy many many cars and actually own them outright, 5-7 years later, with a bunch of leveraged income coming in, but NO BILLS.

    #9. FACEBOOK
    You might be one of the 1,000,000,000 people who waste hours and hours on Facebook, not even making any money doing it!

    Again, the difference between rich and poor people, is what they do in their SPARE TIME. Imagine how much money you would make if you invested that same “FB” time into yourself to learn how to build a home business and generate more income for your family using social media.

    Then you would be valuable to others, teaching other people how to make money from their home business using Facebook, (and Youtube, Twitter, etc).

    I’m not saying it’s easy, but it’s that simple, and it’s WORTH IT.

    Today, you can learn how to build a 6-figure income with your laptop, from anywhere in the world, like many many others are doing.

    #10. Settling with a J.O.B. :
    We are programmed to spend the first 25 years of our life “learning”, and then spend the next 40 years WORKING, never really getting LIVE.

    Courageous hard working entrepreneurs don’t have to do that. By using faster smarter business vehicles, you can condense that 40 years of work into 4 or 5 years of work, to be done working.

    Then, you can actually get to LIVE, (with energy), the next 50 years, traveling, being outdoors experiencing the world, contributing, and spending more quality time with loved ones).

    As an employee, you are heavily taxed (penalized) for not being a business owner. Employees have no say in what they pay in taxes. Only business owners have tax benefits, and “it’s not what you MAKE, it’s what you KEEP!”.

    You can never achieve wealth if you don’t learn how to get your tax burden down to a legal minimum. The way to do this is to START YOUR OWN HOME-BASED BUSINESS!

    Today you can literally start your own business with your home computer for generally under $2000, and immediately have write-offs (phone, computer, mileage, etc.), saving you thousands or even tens of thousands of dollars.

    What was that?

    YES. As an employee, you’re right now losing (at least) between $2,000 to $10,000/year to taxes alone by not having a home business with tax benefits.

    Be COURAGEOUS, take risks, and get DISCIPLINED. Then watch your life transform…

    If you’d like to take action to explore more ideas or strategies, contact us here and tell me your story!
    The world is yours, MFM.

  • The big LIE: "It's harder to be Wealthy!"

    The big LIE: "It's harder to be Wealthy!"


    Did you know that it is actually EASIER (and obviously more fun) to be in the top 2% of income earners in the world? It’s true.
    Here, I’ll explain the LIE that had been told to you: (more…)

  • "COMFORTABLE"? … We Hope Not!

    "COMFORTABLE"? … We Hope Not!


    Because if you are, that means you might be living an “normal” ordinary life, (more…)