For the past several years, I have heard non-stop the commotion concerning the “Top 1 percent” and their “evil, Scrooge McDuck greed”. In the previous process, I told you the story of Mr. Smith and what he did to build wealth for not only himself but also for his family. It was such an honor to sit down and speak with him and was exciting to learn that hard work and determination does indeed pay off in the end. However, I know that Mr. Smith already had some advantages that most people didn’t have, and even he admitted that certain circumstances fell into his lap. Therefore, this process is devoted towards the bare bones approach that everyone can obtain. It’s easy, I promise!
Step 1: Graduate High School
I get it. Sometimes there are circumstances beyond our control that cause us to have to remove ourselves from school. I know someone who was gravely ill and needed to go to doctors for most of her senior year. In the end, she was forced to go on and get her GED. I’ll tell you something that most people won’t tell you: if there is no other option available, a GED is okay. For example, the person I know went on to get a degree and is quite successful in her field. The reason that the high school diploma is so prized should be rather obvious. What follows are just a few jobs and their annual salary which require no previous experience you are missing out on:
· Subway and Street car Operator – 62,760
· Electrical power line installers – 63,250
· Business operations specialist – 65,120
· Power Plant operators – 66,130
· Elevator Repairers – 76,650
Which leads me to the second part of this process:
Step 2: Get a Job
Any job will do but preferably one where advancement is possible and offers benefits. Take McDonalds as an example. They provide scholarships, certification programs and have a fantastic rate at advancement for those who want it. If you play your cards right, you can become the manager of the place in a couple of years, becoming SERV safe certified and having management experience and maybe even having a degree. At this point, you can either stay on as a manager or try to find another job where you will no longer be considered unskilled labor. Of course, this is just an example, but millions of people have done this in a wide variety of industries. How can you be seen as the correct candidate for promotion, success and opportunity? Here’s the secret. Are you ready? DO WHAT IS REQUIRED OF YOU! If you show up on time, in the right uniform and do solely what is on your job description, you will be doing more than what most of your coworkers do and will reap your rewards.
Step 3: Don’t have kids out of wedlock
Now, don’t get the wrong idea. I love kids and I love spending time with them, watching them grow up and playing with them. However, there is nothing more detrimental to someone’s financial future than an unplanned pregnancy. I won’t go over this part too much, considering that I spoke of this at length elsewhere. However, not to get too graphic, here’s the top three ways to avoid this:
1. Abstinence (Who are we kidding, right?)
2. Pill + Condom
3. Pill + Condom + Pull out
The reason that you want to be in wedlock before having children is twofold: you will have two incomes to take care of a child and both of you will be a bit more mature when you make this decision. Never before in the history of mankind has it been easier to plan for a family rather than having an “oops” family fall into your lap.
Step 4: Don’t do drugs or drink alcohol in excess
Now, I’m not dense enough to think that someone is going to live their lives without any form of recreational substance. Whether its booze or marihuana or cigarettes or coffee, we all have that vice that we know isn’t good for us, but it is something we enjoy. I’m not judging, because I have a few of them myself. For me, there is a very simple way that I determine whether or not a vice is too powerful in my life. For my vices, I only use cash. Once I’m out of money, I’m done buying. Basically, if you have to decide between your vice or paying a bill, it may be time to get some help. Try the cash idea and see if it works for you. 200 dollars a month should be more than plenty for all of your wants. Well, maybe New York or California would be 400, but you get my point.
Step 5: Stay out of the legal system
Let’s be honest for a moment. No employer will hire someone who was convicted of theft. No trucking company will hire someone who has a DUI charge. No school will hire a teacher who is a sex offender. Basically, your legal record does not go into context about how or why you were convicted of anything. All an employer will see is the charge and will judge you from there. Here is a solution which will be guaranteed to keep you out of trouble, one which anyone and everyone can do. It is also a three-step process:
1. Obey the law
2. Be respectful to law enforcement
3. If detained, follow the instruction of the police officer to the letter, asking permission before doing anything in their presence
It’s too easy to do the right thing and I won’t insult your intelligence by listing all of the things you shouldn’t do. Just follow the first four steps and use the lessons you learned about following the rules, and you’ll be fine.
That is, it! This is a barebone system which is guaranteed to work for anyone who wants to die in at MINIMUM a middle-class status. There is no plea to go and get a four-year degree, I spoke nothing about finances (although a budget would only increase your wealth), and I spoke nothing concerning buying instead of renting cars and houses. This system is not affected by location, race or nationality in this country. That is what makes America so great! If you try, you will succeed.