An author once defined Success as “the ability to reach your goals in life, whatever those goals may be.

In some ways, a better word for success might be attainment, accomplishment, or progress. It is not
necessarily a destination but a journey that helps develop the skills and resources you need to thrive.”
Success – this word has really a big impact for me and I guess this is because this word has a great
pressure that comes with it. How do I define success? Success is when you first thought you can’t but
you actually can and you did. Success is when you thought of giving up but still pursued and success
means taking a big step of Faith when you can hardly lift your foot. I believe we all have different
definitions of success, it is subjective, it depends on how we view life or how life has been to us. Years of
journeying in this sometimes fun but most of the time stressful world, I can say I have succeed – in all
different ways. This world isn’t always kind and I’m proud that I have conquered the harshness of this
world and fathom the chaos that comes with it and I can already call it as a SUCCESS.

The key to success is not just about surpassing struggles alone, or hustling all by yourself. I believe
success is achieved when you recognized that you cannot gain it all alone. Twenty-two years of living, I
can say I have already achieved countless of successes – big or small. And I wouldn’t have achieved it if
not because of those people who love me enough to be my backbones, my support system and my
guide towards success. In pursuits of success, it is truly a motivating and a driving moment when you
know you are surrounded with people who are so willing to journey with you and to walk with you
through the storm just to reach the peak of success. My mom once told me “Success is when you still
humble yourself despite the achievements you’ve gain whether in small things or big matters” and this
has engraved in me since then. The humbling moments are keeping me grounded all the time. I
acknowledge that it is not just me all along, this is not solely all about myself but about family and about
those genuine people who stood beside me and are still standing with me until this point of my life.

1. I must admit that I am not really good at managing my money before. One week allowance cannot
sustain me all throughout because I'm spending so much on unnecessary things. Before, I spend a lot on
foods - unhealthy foods I must say. I keep on buying things to eat out of cravings even if I cannot finish
all of them most of the times. I am not really fond of buying stuff like clothes and shoes so it's an
advantage for me but what's really unhealthy is that I kept on going out and spending on leisures like
KTV and fun stuff which became unhealthy because I'm doing it on a weekly basis which is not supposed
to be part of my allowance. Instead of buying proper meals, I also kept on spending my allowance on
fast foods and other snacks which is beyond my meal allowance or budget.

3. In the family, my mom is usually the one managing the finances and controlling the expenses at
home. If there is one thing that I have learned from my parents about money management it is to
always remember that they worked for every penny that they are giving us especially my mom and that
we should always give importance to it by spending it wisely. Also, one thing I've learned is to never
deprived yourself with anything as long as it is needed and to just spend it with all of your wants to the
point that you already have neglected the more important things that needs to be prioritized.
Book Report

a. Two dads, one is poor and one is rich. Always giving contrasting Advices. One dad would advise the
son that "Money is the root of all evil" other dad would say " the lack of money is the root of all evil".
Never had a time that they would agree with each other. One dad would often say "I can't afford it", the
other say " How can I afford it?" and it made all the difference. Saying "I cannot afford it" is making the
mind idle while stating "How can I afford it?" is making the mind works, it is motivating the soul to work,
creating a goal and driving the self to make ways to afford things.

b. As what the son stated, the two fathers had never made similar statements towards things. They have
always been contradicting each other and through these , the son have learned to realize that it is
always important to be aware of his thoughts and on how he expressed himself. The two fathers has
differences not because of their status in life but because of how they think and this insight has
engraved in the mind of the son. The son learned to to carefully choose which thought to adopt.

c. Being broke means, you don't have money literally but you still can work to be able to have money
and you're not broke anymore so that's just mean it's temporary but being poor is all about the mindset.
If you tell yourself that you are poor then you are poor and that you allow yourself to just stay in the
situation eternally. You allow your mind to be idle and lazy. Being poor is having a poor mindset, which
is eternal and if you don't work on that mindset then what you think is really what you are.

d. The poor dad would always say "Money doesn't matter" but the rich dad would say "Money is
power". Poor dad would also often say "to study harder, get a degree and work for money" but the rich
dad say "study to be rich, understand how money works and and learn how to work it for you" and at
the end the son chose to follow the advice of the rich dad. To understand how money works so that you
don't work for money but ratht let the money work for you.

Chapter 1 – The rich don’t work for money

“It’s fear that keeps most people working at a job: the fear of not paying the bills, the fear of being fired,
the fear of not having enough money, and the fear of starting over. That’s the price of studying to learn
a profession or trade, and then working for money. Most people become a slave to money – and then
get angry with their boss.” Sometimes we’re too anxious to the point that we are settling for less not
realizing that we could have achieve more if we are just brave enough to take the risk. The rich keep on
taking risks while there are still opportunities that’s why they keep getting rich while the poor and just
too afraid to try thus being stagnant in a rat race and just keep on repeating and repeating the cycle.
Fear is normal but what we have to be aware of is our reactions towards that fear and how we can be
able to address that in terms of taking risks and getting rich.
Chapter 2 Why Teach Financial Literacy?

“it’s not how much money you make but how much money you keep” Financial Literacy is one lesson
that we need to learn in life that schools failed to teach us. This is the part of education that teaches us
to make and keep our money overtime. If we fail to learn this part of life, you can make money and still
becomes broke most of the time. On the other hand, if we just learn the ways of financial literacy, we
can be able to make money work for us everytime. Learning the ways of the rich, we need to know that
we need to have more assets than liabilities. You may work harder and harder each time but still fail to
make money works for you and that still makes you financially illiterate.

Chapter 3 Mind your Own Business

“The rich focus on their asset columns while everyone else focuses on their income statements.” Focus
on growing your assets rather than depending on your income. It is also important that you invest on
the assets that you actually love so that you can be motivated to take care of it and grow it more.
“Financial struggle is often directly the result of people working all their lives for someone else. Many
people will simply have nothing at the end of their working days to show for their efforts.”