Discover the Secret of Wealth

Do you want more of it?

Would you like to discover the secret of wealth and accumulate more money? 

If I asked you if you would like to be independently wealthy, I suspect you would answer Yes. I expect that not many people would answer No to this question or, if they would, they are not likely to be reading these words. 

I know you are much more likely to be saying “Yes, I would” and you may even add the words “but, as it is, all I have at present is debt.” 

If I’m on the right track, you might like to read on. Come to think of it, you might like to read on anyway!


When I was young I thought that money was the most important thing in life; now that I am old I know that it is.

Oscar Wilde



Discover the Secret of Wealth – Do you feel guilty about it?

So many people who do not have much money feel guilty about acquiring it. The moment they do get some of it in their hands, they either fritter it away on useless consumables or give it away. 

How many times have you heard people say that if they unexpectedly came into a large sum of money they would give it away because they would not know what to do with such a large sum of money? 

You may be one of them; I don’t know. Be sure of one thing: if you feel guilty about acquiring money, you will always give it away or fritter it.

Discover the Secret of Wealth – The first lesson

So the first lesson is not to feel guilty about money but to appreciate it. 

Take no notice of what you read in the newspapers. There is an endless supply of it. People create wealth and go on doing it. 

Think about it. Once there was no money in the world. Look how much there is now.

If you wish to do good with money, you are far better of keeping it than giving it away. 

Feeling guilty about being rich when others are poor is a useless exercise. It is of no benefit at all to those who are poor for they will remain poor. 

If you wish to help them, firstly, learn to value money yourself. We will come back to this.

Discover the Secret of Wealth – Ask your friends

When you are next with a group of friends (and make sure they are friends) play this little game with them to see who is hard up.

 Ask them as a group who would like to be rich. There is bound to be at least one who says “I am not interested in money; it means nothing to me; I am happy as I am.” 

You can turn to him and say, “You are broke!” It is inevitable. People who claim not to be interested in money are always the broke ones. 

So I will say again, learn to value money. Make money your friend.

How to help others discover the secret of wealth

Let us return to helping those less fortunate than ourselves. 

Assume for these purposes that you are suddenly gifted the sum of £1 million, and you say to yourself, “That is far too much money for one person. I wouldn’t know what to do with it.” (In other words, “I would feel so guilty about it.”) 

So you decide to give it away. Let us say you distribute £100,000 each to your favourite charities. 

No doubt some of it would go on administration and some would end up in the hands of the beneficiaries or be used for charitable purposes. 

There you are, divested of the money and you have a nice warm feeling inside.

Discover the Secret of Wealth – Investing rather than giving

Consider instead of giving it away you decide to keep it and invest it at the best rate you can. 

You put the proceeds into what we will call your Lifetime Fund. All money that goes into your Lifetime Fund you treat as somebody else’s although it is in reality your own. That means you cannot touch it. 

You invest instead in safe investments at the best available rate. Each year for the rest of your life you will be able to make generous donations to charity and, not only will you still have your capital sum, it will grow with some of the interest you keep. 

That means you will in future years earn even greater sums of interest, there will be more to give to charity and more to keep. And so on and so forth. 

Think what it will be like in 20 years time. Your charities will have benefited year on year and will continue to do so into the future.

Discover the Secret of Wealth – The benefit of accumulation

I hope by now you are beginning to see the benefit of money and the value of accumulating it. 

Take no notice of the people who say, “Money won’t make you happy.” Of course it won’t. It wasn’t designed for that. It was designed as a medium of exchange. It was designed to make you comfortable. 

If you are a happy person, no doubt you will carry on being happy. If you are a miserable person, money certainly won’t make you happy; you are just as likely to carry on being miserable.

Most people get paid, take out their pocket money for the week or month, sort out their housekeeping money and their bills and by the end of the month have nothing left or are already in debt. 

Sound familiar? Ask them to save money and they will say, “By the time I have paid everything, I have nothing left to save.” 

So they never save and they never have anything, and neither is there any prospect of having anything in the future.

So the next lesson is Pay Yourself First.



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