Debate Speech

TH regrets the narrative that hardwork leads to financial success.

I agree with the statement that the house regrets the narrative that hardwork leads to financial success.

The journey to success is not like walking into a concrete road and it is always not an easy flight. The
path to every achievement and success is a slow and tough process of our journey to begin with. There
are always ups and downs that we can encounter in life, but this will help us to be better and to be
stronger in handling problems like financial issues.

But how can we attain the financial success? Hard work alone cannot guarantee you to be able to attain
in a world of financial success.

I will be giving a 3 main points in this speech, why hardwork is not the only way to make everyone
financially successful.

First, The strong foundation to success is your attitude and personalities because your attitude is
everything. Having a positive attitude and mindset towards the situation and in dealing with the
problems can help you become better. With having a strong foundation, you can gradually build an
empire that will remain solid, even catastrophes and problems will come on your way.

In success, it is not always how hard you work, but how much passion, dedication and love you put into
your work and what drives you to be successful. If you love what you are doing, you will double your
efforts, you probably create some ideas and knowledge on how you can improve and do the things
better.

Having a positive mindset will also help you turn failure into success. The one quality of being successful
is resiliency, when you are falling and failing, try to get up and try again. You should also have an
overwhelming confidence and faith that you will succeed.

Second, "Work harder vs work smarter" Indeed, harwork pays off but we also need to work smarter. We
need to combine both in order to achieve our goals. Everybody needs to work hard at working smart. By
working smarter you can find what best strategy suits you, everything you do should be planned, before
starting doing something you should have your end goals. There are no any shortcuts to success, but
there are ways we can follow. Don't be afraid to try something to make your work easier as long as you
can accomplish the certain tasks with greater energy and produce better results. The goal is in
everything you do, in everything you invest, you should have the highest return, whether be it physical
or mental efforts and energy.

Lastly, Financially Literate. When we are talking and dealing about financial, we should have
understanding about it. So, what does it mean to be financially literate. According to Investopedia it is
the ability to understand and effectively use various financial skills, including personal financial
management, budgeting, and investing. Financial literacy is the foundation of your relationship with
money, and it is a lifelong journey of learning.

A way to financial success is to be a financially literate because lack of financial literacy could lead to
financial difficulties. You should know how to handle your money, you should have plans and financial
goals. You should have knowledge about debt management and borrowing practices. A basic knowledge
on how you are going to use and spent your money. Stay educated, knowledgeable and informed about
your financial status and on how you will effectively use your budget. This means that people who are
good at money are those who are aware of their finances.

There are some people who are working very hard every day just to earn money, but at the end of the
day they have no savings due to some circumstances like lack of awareness. They have a little
knowledge on how to save and invest. It is rare to find someone who has planned about the future or
the so-called retirement plan. Some spend the hard earned money spontaneously or they are spending
more money than they can afford and that's the reason why others don't have savings or life or non-life
insurance.

Financial success for most is always about becoming a millionaire or a billionaire, But in my perspective,
a financial success is how you can handle your money efficiently and effectively. Being financially secure
will give you a peace of mind because you can live without a mere worries about money and budget
issues. Not being stressed about finances and you have your savings and earnings ready for the future or
unforeseen spendings. As long as you can provide for yourself and to your family and you feel that you
are financially secure, that's the true meaning of financial success.

Always remember that not everybody is born with a silver spoon in their mouth, but due to their
dedication, perseverance, passion and love to their crafts they achieve what they are now.

Just focus on your goal and never give up on your dreams. Just trust the process while you are working
hard and striving for a better tomorrow. Small success is always a success. If you have dreams that you
want to reach and fulfill, you will do everything just to achieve it.