🧠 THE MORAL OF THE STORY
If you think like a rich man, you start building assets that make you money while you sleep.
If you think like the middle class, you work hard but never own anything.
If you think like the poor, you’ll be hustling backwards till death.
Mindset is the software. Your money is just the result.
Super rich $1 Billion dollars and up
Think in centuries 100yrs what’s needed, I’ll invest in that
Rich mindset $1 million dollars and up
Think I’m generations, what will my kids be able to make money off in 25 yrs?
How can I avoid those taxes?
How can I get someone else to pay for my rolls Royce instead of me paying for it like a square?
Middle class mindset $100,000 yr and up
Think I’m months. Can I pay the bills this month?
What good careers might kids might get to still make $100,000 yr plus?
How much are my taxes going to be if I accept that money?
Poor mindset $18,000 and up
Think in days & weeks
What are we going to eat tonight?
What hurtle will keep my kids eating?
How long can I do this before going to jail?
And More
💎 THE RICH MINDSET: “OWN THE GAME OR YOU’RE A PIECE ON THE BOARD”
Philosophy:
• They buy time, they don’t sell it.
• They don’t work for money, they make money work for them.
• Obsessively focus on leverage: money, people, systems, media, brand, tech.
Habits:
• Invest in assets that cashflow or appreciate: stocks, businesses, real estate, IP.
• Use debt to build wealth, not to buy toys.
• Delay gratification: they’ll look broke building an empire.
• Constant learners: read, network, mentor, and optimize every day.
Questions They Ask:
• “How can I make this scalable?”
• “How can I own equity in this?”
• “Who can do this for me better and faster?”
• “What’s the ROI on my time?”
Example:
Warren Buffett buys businesses and holds them for decades. He doesn’t chase trends. He builds moats and prints cash.
🧠 SOP: Never trade time for money. Trade value for wealth.
⸻
🧠 THE MIDDLE CLASS MINDSET: “LOOK SUCCESSFUL, BUT DON’T OWN ANYTHING”
Philosophy:
• Security over freedom.
• Work hard, play hard — but never break free.
• Worships titles, degrees, and comfort.
Habits:
• Work 40+ hours for someone else for 40 years.
• Buy liabilities disguised as assets: cars, big homes, designer clothes.
• Chase status and appearances.
• Save money in a bank. Afraid of investing.
Questions They Ask:
• “Is this job secure?”
• “What car can I afford with this raise?”
• “What degree should I get to make more?”
• “How much vacation time do I get?”
Example:
The guy making $120K/year, driving a Benz, with a mortgage and student loan debt, but no investments.
💥 SOP: Every dollar you make should have a mission to make you more money. Otherwise, you’re just spending to stay broke.
⸻
🪙 THE POOR MINDSET: “SURVIVAL MODE”
Philosophy:
• Live day to day.
• Scarcity mindset: “Money is hard to get.”
• Money is evil. Wealthy people are lucky or corrupt.
Habits:
• Spend more than they make.
• Rent everything. Never own.
• Take advice from broke people.
• Blame circumstances and systems, not themselves.
Questions They Ask:
• “When’s payday?”
• “Can I borrow $20 till Friday?”
• “Why don’t they give us more assistance?”
• “What’s the fastest way to get rich?”
Example:
Spends $200 on shoes while asking for a loan to pay rent.
❌ SOP: Stop blaming. Start building. Change how you think, not just how you spend.
And more
The main difference is that
the rich mindset focuses on growth, abundance, and creating wealth through investing and multiple income streams, while the middle-class mindset focuses on stability and security, often through a single paycheck and saving for comfort. The poor mindset is characterized by scarcity, short-term survival, and a fear of risk, with a focus on just paying bills.
Rich Mindset
Middle-Class Mindset
Poor Mindset
View of MoneyA tool for growth and building assetsA means for security and comfortA tool for survival and paying billsApproach to RiskEmbraces calculated risks and sees failure as a learning opportunityPlays it safe, fears risk, and aims for stabilityAvoids risk and has a fear of failureGoalsLong-term wealth, legacy, and big achievementsComfort and stability, often with attainable goalsShort-term survival, paying the next billIncomeFocuses on building multiple income streamsPrimarily relies on one income sourceFocuses on a single transaction for immediate needsLearningContinuously invests in self-education and skill developmentValues education for a stable job but may not prioritize continuous learningMay not enjoy learning and see its value for wealth buildingOutlookAbundance, opportunity, and control over their lifeScarcity, limitations, and external factors controlling their lifeScarcity and sees life happening to them