Personal Finance

What does it mean to be rich?

 5 gold rules of wealth
1. Money come to that person, who save part of
incomes;
2. Money work for clever master who invest them;
3. Money need to be protected, they like care &
advises of clever people;
4. Money don’t like working in business, where their
owner feel NOT like a fish in water;
5. Money go away from owners who invest them
into adventures & romantic dreams about wealth;
B. Sheffer: “Person who save &
spend is the happiest as he
gets both advantages”

Chicken story
 Why people don’t save money?
• “In future I will earn more, so why I should
save money now?”
• “I want to live wealthy now!”
• “Saving money it’s not important & I don’t
going to change my mind.”
• “At the result I will have the same sum of
money because of low bank % or inflation.”
 Why people should save money?
• Not incomes, but saving money makes you
rich;
• Saving brings pleasure, not limits;
• You can change your mind about saving
whenever you wish;
• Saving money will make you a milliner. You
can get 12% and more.
 What have in common?
Robert Bosch

Heinrich Nestle
Jahann Jacobs

Adam Opel
Frits Henkel
To save money – to pay yourself!!!

You get salary &

start to pay
everyone , but not
yourself!
 10% will bring up a gold chicken for
you
Start to save 10% from
your incomes each
month!
Even if you are a student,
start to save 10% of
your pocket money.
When your expenses
will be so low as now?
• To make a habit to
save & invest 10% of
your incomes each
month;

• Make your finance

plan;
Why most people can’t manage to
save money?
• They try to save too big
sum of money;
• They save money which
left at the end of he
month;
So how you can become rich?
 Simple example
If you use bank deposit with 15% and invest 10 000 grn
and do nothing, in 6 years you get 100 668 grn; in 15
years – 547 175 grn; in 19 years – 1 014 436 grn; … in
40 years – 20 000 000 grn;
And how much & how quickly you will
get if you invest your 10%?
Which financial instruments do you
know you can use now to invest?
 How you can earn your 1st million?
What is your role?
Worker Businessman

Owner Investor
Are you ready to be rich?
 Any questions?

anastasiya.skichko@aiesec.net