Why You Are Not Rich


“I want to be rich.” “I want to be famous.” “I want to have the nice cars.” “I want the mansion.” “I want the expensive clothing and accessories.” If this is you, you need to change how you look at being “rich." You have it all wrong.

In my new book, Entrepreneursh*t, I talk about this very thing. What is the difference between the people who want to be rich and the people who actually are?

Let me give you a story I heard at an event I attended...

Three people walk into a Starbucks to order coffee. The first of the three had a poverty mindset. He asks himself, “Do I want a $5 coffee?” Then he asks himself, “How can I buy this coffee? Do I borrow the $5, or do I steal it?”

The second of the three had a middle-class mindset. He asks himself, “Do I want a $5 coffee?" Then he asks himself, “Do I have $5?” and he checks his bank account.

The third man has a millionaire mindset. He, too, asks himself, “Do I want a $5 coffee?" He then asks himself, “Is this $5 coffee worth $50 for me?” The man with the millionaire mindset understood that his $5 could get him his luxurious coffee, or he could invest it and make $50 from it.

Rich people stay rich by living like they are broke. Broke people stay broke by living like they are rich. Money management is very similar to time management; what is tracked and measured can be improved. You can only see success if you know how to use money. Money is a tool.

If anyone has ever told you, "money can’t buy you happiness,” they lied to you. They didn’t know what they didn’t know. Used as a tool, money can help you build empires and change people’s lives.

“The median annual income of a luxury car owner in the United States, for example, is $99,364, while a Mercedes C-Class sedan, the carmaker’s entry-level vehicle and its most popular model, starts at around $40,000.”

It is not a smart move to buy a car that is worth half as much as you make in one year. People spend too much time trying to LOOK rich rather than BUILDING wealth. What is interesting is you may actually know a few millionaires. They go to your coffee spot, maybe were in the check out line with you at Wal-Mart, or live next door in your apartment building.

“Think about a brick for a second. In the hands of the right person, a brick can be used to skillfully build a home for a family. But in the wrong hands, a brick can be used to break your car window and steal your wallet. It’s all about whose hands it’s in.”

If you want to really be rich, stop worrying so much about what other people think. Make money to use it as a tool to impact nations. Do not use it to impress people. Statistically only 100 people will show up at your funeral, and of that only 10% will cry. Stop spending your time focusing on the 90% who will not cry and the people who won’t even show up, and focus on the 10% whose lives you can change.

Stephen Dela Cruz


Stephen Dela Cruz is a best selling author, speaker and serial entrepreneur who specializes in helping budding entrepreneurs double their income in their first year. He’s built several 7 figure businesses and in his online school, The Mastermind Experience, he shares strategies around time and money management to help beginning entrepreneurs soar. You can see more about Stephen on his website and follow him on his Facebook page.