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Building Wealth Is For Anyone



Building Wealth is a creative process meant to obtain results and make your dreams become reality. Everyone is born with the capacity in creating their dream life and financial rewards. And, trust me when I say this, Building Wealth is all about expanding and growing to realize the results and circumstances you want.

If you want to achieve financial freedom, become wealthy, and have any desired riches in life, you must do certain things, in a certain way.

All of the great wealth builders throughout time have understood how to use the mind to achieve their desires and earn tons of money.

Plain and simple, your financial results will improve with direct proportion to your personal growth!

Building wealth, whether financially, relationally, physically, mentally, or spiritually comes down to one single factor, Results. Are you getting the results you want financially? If no, great! Put it behind you and lets get ready to improve. If yes, great! Lets make it a point to move out of your comfort zone and grow.

If you tell me your results, I can measure your exact thinking, feeling, and acting on a continual basis. How?

Your results tell the stories of your past thinking!

If you think about it, we are always living in the residual of our past. Yesterday’s behaviors may be developing into today’s results. So, if you want to make tomorrow’s results something you want, you must change the way you think, feel, and act, and move into harmony with what you want.

If you believe this as truth, this means you have the ability to turn everything around and improve your life.

Lets do an exercise. Please get out a pen and paper, or better yet, if you have a journal or notebook write down the answers to these questions.

  • What is my annual income?
  • Monthly income?
  • What is my business like?
  • What is my job like?
  • What do I think about my boss?
  • Do I love my career field?
  • Is it a sin to be rich?

Answering these questions honestly will give you a good idea of what your current results are and help you analyze your current thinking, feelings, and actions.

Then, do what the super wealthy do by going beyond positive thinking and ask yourself, “How did I create this?” “What does this say about me?” “How can I improve?”

Maybe your answers are, “I’m working at a job I do not love and with no potential opportunity. If I want to earn more money I should provide more value. Maybe I should work at something I enjoy and love? How about I start a part time business as another source of income!”

See your current results as room for improvement, knowing that they will get better in direct proportion with your growth. When you’re creating and building wealth, also remember to continuously practice gratitude and view your results as learning experiences, not failures.

Napoleon Hill once said, “Every failure brings with it the seed of an equivalent success.”

Knowing where you were gives you the ability to improve and change your life. But, lets not focus on the past anymore, give all your attention to what you want now.

Life is always mirroring back who you are and the results you are getting.

I suggest you measure your results every month. All it takes is five minutes! Is that worth it to become wealthy?

Creating Wealth

Building wealth is actually pretty simple, not easy, but simple. To become wealthy you must align your thinking, feelings and actions with the universal laws and you will succeed every time.

I like how James Ray puts it, “You must go three for three, your thinking, feelings and actions must be firing on all cylinders.”

Get that pen and notebook out! If you want to start building wealth, write the answers to these questions.

Keep in mind that the only limitations in your life are the limitations your mind sets up.

  • How much do I want to earn per year?
  • What is my dream net worth?
  • Who do I want to become? (list top 3)
  • What do I want to do? (Again, top 3)
  • What do I want to have? (list as much as you’d like)

Eventually, I want you to narrow down to your top 3, for example: I intend becoming a world-wide entrepreneur, building luxury homes for anyone that desires them and having a 100,000,000 million dollar company. Then, follow the same wealth building strategy that all the great achievers use, and start creating your ideal results, circumstances and financial situation.

If you can get it on paper, I guarantee you have a better chance of succeeding.

Jesus gives some great words of advice for the steps to building wealth, “Ask, and it will be given you; Seek, and you will find; Knock, and it will be opened to you.”

Attention = Love

What we are doing here is shifting your attention and re-programming your old conditioned thoughts, feelings and actions. A lot of times we are the products of other people’s thoughts and behaviors, aren’t we?

So, we have to begin, in new ways, to use our minds correctly and join the 3% club. I once heard that 3% of the population are earning 97% of the wealth in this world.

It’s time for the other 97% to wake up!

Lets use our mind properly to create what we choose, whether it be more money, financial freedom, or prosperity.

It’s good to have an understanding on how the mind works as you pursue your steps to building wealth. In short, you have your higher self, God, energy, consciousness, zero point field or what ever you call it. This energy filters into your conscious mind which embeds into your subconscious, then acted out through your body.

All you have to do is tap into that creative power by focusing on what you want to create into your life and leave all attention on that desire.

The mind cannot process a negative, so word choice is very important. “I don’t want to be broke”, doesn’t cut it.

What’s really being interpret is “I want to be broke.” Instead, phrase it “I intend becoming financially free.” Now that works!

Applying the mind correctly takes work. If this is your first attempt working on building wealth, go easy on yourself. Take your current age, say 31. Realize you have 31 years of old conditioning that needs reprogramming. So, do what the Eagles do and “Take it Easy.”

Clarity is Power

Congratulations! You are now doing certain things, in a certain way. When you’re focusing on what you want in life, whether it’s more prosperity or financial riches, you have to understand that clarity is power in building wealth.

“I want more money”, does not cut it. One dollar more is more money. Exactly, how much more? What will you do with this money? By when do you want it?

When you get clear, the method to obtain it will appear. When you form a definite purpose with a burning desire to achieve that purpose, backed with faith and belief, you are unstoppable.

Forming your own purpose, vision and goals, is like being on a one way trip to creating the wealth of your dreams.

Your plans to build wealth and receive money will become clear as day once you have a definite purpose and desire for your riches. Once the method appears, act. Not tomorrow, not a week from now, but right now; however small the action may be, step toward that direction.

You must have the courage and create the plans and act on them to fulfill your desire. Then, money will flow to you like it’s magic and you will be wondering where it has been hiding all of this time.

This is how your create all the riches you want in your life. By applying and understanding your wealth strategy.

Truly Wealthy

It’s not about the things we acquire!

Wow, really? I say yes.

Having all the material things in this world are gifts that are meant for us to have. We deserve to enjoy everything we desire, whether it’s material possessions or not.

If you think about it, these possessions that you have are not really ours. The cars and houses you have, clothes you wear, jewelry, watches, food, and diamonds are not really ours. When you die, your possessions will go to someone else.

We are just temporary custodians of our material possessions.

That’s why it is most important to focus on and enjoy who you are becoming, while enjoying these material gifts we deserve. The path to building wealth is a journey with many results and outcomes along the way, isn’t it? Think about this for a second.

When you achieve a goal, you celebrate your success, (if you don’t, it’s a good practice to adopt in telling the universe to bring me more) then create another, bigger and brighter goal. It never ends, doesn’t it?

There will always be another goal or vision to pursue and accomplish.

Now, saying that, building wealth is about the journey. The truly wealthy people enjoy the journey and ride of life. When you achieve that heart filled goal, you become a bigger person. A bigger person to handle more challenges, a bigger vision, better and bigger results and more of everything.

It’s about the journey and becoming the person you envision to be.

Who you become will live on forever in history, even when your body leaves this earth. That’s what being truly wealthy is about, who you become and the journey along the way.

 written by Nick Pfennigwerth, who writes on wealth building and originally this article on Creative Wealthbuilding.

Callum Connects

Benjamin Kwan, Co-Founder of TravelClef



Making music to create a life for his family, Benjamin Kwan, started an online tuition portal and his music business grew from there.

What’s your story?
I am Benjamin and I’m the Co-Founder of TravelClef Group Pte Ltd, a travelling music school that conducts music classes in companies as well as team building with music programmes. We also run an online educational platform which matches private students to freelance music teachers. We also manufacture our own instruments. I started this company in 2011 when I was still a freshman at NUS, majoring in Mechanical Engineering.

I was born to a lower income family, my father drove a taxi and was the sole breadwinner to a family of 7. I have always dreamed of becoming rich so that I could lessen the burden placed on my father and give my family a good life.

After working really hard in my first semester at NUS, my results didn’t reflect the hard work and effort I put in. At the same time, I was left with just $42 in my bank account and it suddenly dawned on me that if I were to graduate with mediocre results, I would probably end up with a mediocre salary as well. I knew I had to do something to gain control of my future.

During that summer break, I read a book “Internet Riches” by Scott Fox and I knew that the only way I could ever start my own business with my last $42 would be to start an online business. That was how our online tuition portal started and after taking 4 days to learn Photoshop and website building on my own, I started the business.

What excites you most about your industry?
Music itself is a constant form of excitement to me as I have always been an avid lover of music. As one of the world’s first travelling music schools, we are always very eager and excited to find innovative ways to a very traditional business model of a music teaching.

What’s your connection to Asia?
I was born and raised in Singapore and I love the fact that despite our diversity in culture, there’s always a common language that we share, music.

Favourite city in Asia for business and why?
Hands down, SINGAPORE! Although we are currently in talks to expand to other regions within Asia, Singapore is the best place for business. I have had friends asking me if they should consider venturing into entrepreneurship in Singapore, my answer is always a big fat YES! There’s a low barrier of entry, and most importantly, the government is very supportive of entrepreneurship.

What’s the best piece of advice you ever received?
I have been blessed by many people and mentors who constantly give me great advice but right now, I would say the best piece of advice that I received would be from Dr Patrick Liew who said, “Work on the business, not in it.” This advice is constantly ringing in my head as I work towards scaling the business.

Who inspires you?
My dad. My dad has always been my inspiration in life, for the amount of sacrifices that he has made for the family and the love he has for us. He was the umbrella for all the storms that my family faced and we were always safe in his shelter. Although my dad passed away after a brief fight with colorectal cancer, the lessons that he imparted to me were very valuable as I build my own family and business.

What have you just learnt recently that blew you away?
You can not buy time, but you can spend money to save time! With this realisation, I was willing to allow myself to spend some money, in order to save more time. Like taking Grab/Uber to shuttle around instead of spending time travelling on public transport. While I spend more money on travelling, I save a lot more time! This doesn’t mean that I spend lavishly and extravagantly, I am still generally prudent with my money.

If you had your time again, what would you do differently?
I would have taken more time to spend with my family and especially my father. While it is important to focus our time to build our businesses, we should always try our best to allocate family time. Because as an entrepreneur, there is no such thing as “after I finish my work,” because our work is never finished. If our work finishes, the business is also finished. But our time with our family is always limited and no matter how much money and how many successes we achieve, we can never use it to trade back the time we have with our family.

How do you unwind?
I am a very simple man. I enjoy TV time with my wife and a simple dinner with my family and friends.

Favourite Asian destination for relaxation? Why?
Batam, it’s close to Singapore and there’s really nothing much to do except for massages and a relaxing resort life. If I travel to other countries for shopping or sightseeing, I am constantly thinking of business and how I can possibly expand to the country I am visiting. But while relaxing at the beach or at a massage, I tend to allow myself to drift into emptiness and just clear my mind of any thoughts.

Everyone in business should read this book:
Work The System, by Sam Carpenter. This book teaches entrepreneurs the importance of creating systems and how to leverage on systems to improve productivity and create more time.

Shameless plug for your business:
If you are looking for a team building programme that your colleagues will enjoy and your bosses will be happy with, you have to consider our programmes at TravelClef! While our programmes are guaranteed fun and engaging, it is also equipped with many team building deliverables and organizational skills.

How can people connect with you?
My email is [email protected] and I am very active on Facebook as well!

This interview is part of the ‘Callum Connect’ series of more than 500 interviews

Callum Laing is an entrepreneur and investor based in Singapore. He has previously started, built and sold half a dozen businesses and is now a Partner at Unity-Group Private Equity and Co-Founder of The Marketing Group PLC. He is the author two best selling books ‘Progressive Partnerships’ and ‘Agglomerate’.

Connect with Callum here:
Download free copies of his books here:

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Before you enter a Startup or before you choose your founding team or new hires read, “Entering Startupland” by Jeff Bussgang



Before you enter a Startup or before you choose your founding team or new hires read “Entering Startupland” by Jeff Bussgang.

Jeff knows how to spot and groom good culture, as the book session was held in Zestfinance a company he invested in and now, “The Best Workplaces for Women” and for “The Best Workplaces for Tech”, by Fortune.

These are the questions during the Book Launch.

How to know if a hire including the founder is Startup material?
Jeff says to watch for these qualities.

First, do the hires think like an owner?
Second, do the hires test the limits, to see how things can it be done better?
Are they problem solvers and are biased toward action?
Do they like managing uncertainty and being comfortable with uncertainty? And comfortable with rapid decision-making?
Are they comfortable with flexible enough to take in a series of undefined roles and task?

How do we know if we are simply too corporate to be startup?

Corporate mindsets more interested in going deep into a particular functional area? These corporate beings are more comfortable with clear and distinct lines of responsibility, control, and communication? They are more hesitant or unable to put in the extra effort because “it’s not my job”.

If you do still want to enter a startup despite the very small gains at the onset, Jeff offers a few key considerations on how to pick a right one.

He suggests you pick a city as each city has a different ecosystems stakeholders and funding sources and market strengths. You have to invest in the ecosystem and this is your due diligence. Understand it so you can find the best match when it arises.
Next, to pick a domain, research and solidify your understanding with every informational interview and discussion you begin. Then, pick a stage you are willing to enter at. They are usually 1)in the Jungle, 2) the Dirt Road or 3) the Highway. The Jungle has 1-50 staff and no clear path with distractions everywhere and very tough conditions. The Dirt Road gets clearer but is definitely bumpy and windy. Well the Highway speaks for itself, doesn’t it?

Finally Please – Pick a winner!

Ask people on the inside – the Venture Capitalists, the lawyers, the recruiters and evaluate the team quality like any venture capitalists would. Would you want to work for the team again and again? And is the startup working in a massive market? Is there a clear recurring business model?

After you have picked a winning team and product, how would you get in through the door?

You need to know that warm introductions have to be done. That’s the way to get their attention. Startups value relationships and people as they need social capital to grow. If you have little experience or seemingly irrelevant experience, go bearing a gift. Jeff shared a story of a young ambitious and bright candidate with no tech experience who went and did a thorough customer survey of the users of the startup she intended to work with. She came with point-of-view and presented her findings, and they found in her, what they needed at that stage. She became their Director of Growth. Go in with the philosophy of adding value-add you can get any job you want.

And as any true advisor would do, Jeff did not mince his words, when he reminded the audience that, “If you can’t get introduced you may not be resourceful enough to be in startup.”

Startupland is not a Traditional Career or Learning Cycles

Remember to see your career stage as a runs of 5 years, 8 or 10 – it is not a life long career. In Startup land consider each startup as a single career for you.

Douglas Merrill, founder of Zestfinance added from his hard-earned experience that retention is a challenge. Startup Leaders to keep your people, do help them with the quick learning cycles. Essentially from Jungle to Dirt road, the transition can be rapid and so each communication model that starts and exists, gets changed quickly. Every twelve months, the communication model will have no choice but to break down and you have to reinvent the communication model. Be ready as a founder and be ready as a member of the startup.

Another suggestion was to have no titles for first two years. So that everyone was hands-on and also able to move as one entity.

Effective Startupland Leaders paint a Vision of the Future yet unseen.

What I really enjoyed and resonated with as a coach and psychologist was how Douglas at the 10th hire thought very carefully what he was promising each of his new team member. He was reminded that startups die at their 10th and their 100th hires. He took some mindful down time and reflected. He then wrote a story for each person in his own team and literally wrote out what the company would look like and their individual part in it. In He writing each of the team members’ stories into his vision and giving each person this story, it was a powerful communication piece. He definitely increased the touch points and communication here is the effective startup’s leverage.

Douglas and Jeff both suggested transparency from the onset.

If you think like an owner and if you think of your founding team as problem solvers. Then getting transparent about financials with your team is probably a good idea. As a member of a startup, you should insist on knowing these things
Such skills and domain knowledge will be valuable. There is now historical evidence of people leaving startups and being a successful founder themselves because they were in the financial trenches in their initial startup. Think Paypal and Facebook Mafia.

What drives people to enter a startup?

The whole nature of work is changing. Many are ready to pay to learn. Daniel Pink’s book Drive showed how people are motivated by certain qualities like Mastery, Autonomy and Where your work fits into big picture. Startups do that naturally. There is a huge amount of passion and the quality of team today and as it grows then the quality of company changes.

The Progress principle is in place, why people love their startup jobs is not money rather are my contributions being valued? Do I see a path of progress and do I have autonomy over work and am I treated well?

Find out more about StartupLand on Amazon

And learn from Zestfinance

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