Money Does Grow on Trees
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MONEY DOES GROW ON TREES Dr William C. Small FirstWorld Publishing Buffalo, NY Money Does Grow On Trees Copyright © 2015 by Dr William C. Small All rights reserved under international copyright law. FirstWorld Publishing P.O. Box 1592, Buffalo, NY 14215 Contents may not be reproduced in whole or in part in any form or by any means whether electronic or mechanical (including information storage, recording, and retrieval systems) without written consent from the publisher. ISBN: 978-0-9715515-3-4 Cover Photo: ©Istockphoto.com/ Interior & cover design: WMC Publishing ii Unless otherwise indicated, all scripture quotations are from the King James Version* of the Bible. Scriptures were taken from the Thompson Chain–Reference Bible, Fifth Improved Edition, copyright © 1908, 1917, 1928, 1934, 1957, 1964, 1982, by Frank Charles Thompson. Hebrew definitions were taken from Strong’s New Exhaustive Concordance of the Bible, copyright © 1890, by James Strong, STD, LL.D. *Note: A few of the Old English words are changed to contemporary English in verses where it is critical that the reader clearly understand the verse and where the Old English language might make a clear understanding difficult. iii Disclaimer The knowledge and advice herein is derived from the author’s 15 years experience as a Financial Planner. However, nothing that is shared herein should be used as a substitute for professional investment advice. Always consult an attorney, tax advisor or Certified Financial Planner when trying to decide which investment plan would be right for you. “What we really want to do is what we are really meant to do. When we do what we are meant to do, money comes to us, doors open for us, we feel useful, and the work we do feels like play to us.” ~ Julia Cameron “Money is usually attracted, not pursued.” ~ Jim Rohn iv CONTENTS Dedication vi Preface vii Introduction xi Chapter 1 - What is Money? 1 Chapter 2 - Rich vs. Wealthy 17 Chapter 3 - Family: The Key to Wealth 25 Chapter 4 - Currency vs. Credit 37 Chapter 5 - A Vision of Wealth 47 Chapter 6 - Change your Generational Model 53 Chapter 7 - A Wealthy State of Mind 57 Chapter 8 - Bible Myths Concerning Money 77 Chapter 9 - Set the Atmosphere for Wealth 99 Chapter 10 - Plan Now! 121 Chapter 11 - The Foundation for Wealth Creation 137 Chapter 12 - Conclusion 153 About the Author 159 Recommended Reading 161 Psalm 8 163 v DEDICATION To my beloved daughter Deandra and her generation. vi PREFACE Is your life making an impact or impression? Those who impress gain the personal admiration or interest of others. Those who impact affect others deeply to the point where they create change and leave a mark. Impact is the result of a collision between common knowledge and vital intelligence which provides people with a new view of their lives. You can live to impress but you were born to impact! You will know that you are being impressed when a person makes you feel good and encouraged but not changed. You are impacted when a person makes you burn within, sometimes angry initially, but causes you to think deeply about how you live. A positive message may make you feel good presently but it won’t impact your life permanently. Money Does Grow on Trees will address your need to make an impact on the world and provide financial security for your family. It delivers knowledge and information that you need to establish a vision for your family. It will show you how to translate that vision into goals and objectives that lead to the formation of a fortune building financial management plan. Then, money will grow into your family naturally like fruit grows on a tree. Hopefully Money Does Grow on Trees will inspire you to change your attitude about money, the way you view it, the way you use it, and demonstrate emphatically that money does grow on trees; it grows on the family tree. It will attempt to change your mind about what money is, how it works and how it differs from currency and cash. The process of making money begins in the mind. Unless we change our mind, we cannot change our money. Money Does Grow on Trees will reveal the difference between being rich and being wealthy. It will illuminate secret strategies that the rich and wealthy have employed to relieve generations of their family from the stress of living paycheck to paycheck, vii moved them to obtain real riches, and helped them go on to enjoy real wealth. If you want to know how a thing is supposed to work, you consult the manufacturer for instructions. GOD is the manufacturer of the earth, the universe and everything in it including money. Money is not what most people think it is and it does not work the way most people think it does which is one reason why most people don’t have much of it. If you want to know what money is and how money works, it is best to consult the manufacturer to see what HE has to say. Most of what I will present in this book has come from consulting the manufacturer’s operating manual for life which is the Bible. Our physical world was created by spiritual power. The force that animates our physical body and gives it life is spiritual power. There is a physical side to life and there is the spiritual side; physical power and spiritual power. Spiritual power is designed to amplify physical power; it is a force multiplier. Those who plan to make a significant impact in life must learn to combine spiritual power with physical power. You can work hard using physical power and get rich but if you apply spiritual power to your physical efforts, you will become wealthy. Using physical effort to build or create anything without applying spiritual power is like trying to fight a multi-million dollar prize fight against a professional fighter with one arm tied behind your back. You will have to work very hard and take a lot of lumps but it will be impossible to win the prize. Those who understand how to apply spiritual power to their physical efforts always win. Wealth is the manifestation of the application of spiritual power to physical money making efforts. 1% of the people in America own nearly 80% of the wealth. What are they doing differently than the other 99%? The 99% also want to be wealthy? So why are they having much more difficulty becoming as wealthy as the 1%? The 1% understands how to apply spiritual power to their physical efforts. viii If you are looking for information on how to get rich quick, this is not the book for you. Put it down and walk away now. Money Does Grow on Trees is for those who want to know how wealth naturally grows. People that obtain huge amounts of cash suddenly without this knowledge often lose it suddenly. Sometimes their lives are also ruined in the process. It is possible to acquire a load of cash quickly if you quickly understand how the power and principles of wealth acquisition work and put them to work. However, if you have the knowledge in this book you are less likely to lose it suddenly and you will know how to use your cash properly so that it does not injure or ruin you. This type of knowledge gives life to all who find it and health to all their flesh. It will lend you the vitality you need to enjoy being wealthy. People tell me that a book should tell a story however I don’t want to tell a story. I want to make a case. I want to make an evidence laden case on the importance of reshaping how we think, understanding why we think the way we think and recognizing why the way we think prevents us from being wealthy. People tell me that writing a book which makes a case would make it a letter of persuasion rather than suggestion. They say that persuasion “feels” to the reader like an attempt at conversion whereas suggestion feels more like a conversation. I believe the purpose of conversation is conversion. When two people have a meaningful conversation something should have changed one or both of them. Otherwise the time they spent was wasted. I will not waste time trying to make you feel good. You should not feel good after reading this book but you should feel urgency in your belly. You will know that we don’t have a lot of time that we can afford to waste. The economic landscape is shifting rapidly to the point where soon there will be only two classes: rich and poor; have and have not. The American middle class is rapidly shrinking. A recent report reveals 31% of Americans are living at or below the poverty line. That is up from only 14% just a few years ago. There is a tiny opportunity for some of us, while we are still in the ranks of the ix middle class, to move up to the ranks of the wealthy while we have the advantage of excess or disposable income. There is not much difference between persuasion and suggestion other than how one feels at the end of the day. Neither of us has time to engage in a long “feel good” conversation. Therefore, I will try to persuade you to move as quickly as you can. Time is moving fast. Political policies are moving to favor the corporate person rather than the regular individual.