Start From Nothing and Become Financially Independent

Do you wish to become financially independent? More than eighty percent of self-made millionaires in America began with nothing or in many cases, less than nothing. I can certainly relate to that because when I was growing up and right into my early 30s, I never had any extra money with which to start a fortune. It seemed to me that there was always enough, if not more than enough bills, to absorb every penny I earned. I was always in debt.

Be Ready for Your Opportunity

Even if a great business opportunity did come along, I wouldn’t have been able to do anything with it. As I began studying financial success and self-made millionaires, I noticed that almost everyone around me was in pretty much the same boat.


The idea of becoming really wealthy was a distant dream with very little possibility of coming true. You may be in the same situation, with more bills than money or assets.

Look at the Numbers

The statistics are a little scary. Of 100 people who reach retirement age, according to insurance industry statistics, only one will be wealthy. Four out of the hundred will be financially independent; fifteen will have some savings put aside. And the other 80 will be dependent on pensions, still working or broke – this after a lifetime of well-paid work in the most affluent society in human history. Now why does this happen?

Why People Retire Poor

There are two main reasons why people retire poor. First, they never decide to retire rich. They wish and hope and pray, but they never make a firm, unequivocal decision that they’re going to do it. Second, even if they do decide to retire rich, they procrastinate until it’s too late. They always have some good reason for putting it off.

Start With Desire and Decision

If you sincerely want to beat the odds, to achieve financial independence and retire wealthy, there are four critical steps that you must take, all starting with the letter D. The first step is desire. You must want it badly enough to make an unshakable commitment and to be willing to make sacrifices. The second D is decision. You must make a decision right now to do whatever is necessary, to be willing to pay any price, go any distance, to achieve your goal.

Practice Determination and Discipline for Financial Success

The third D is determination, which is to keep at it until you succeed in spite of all the problems and obstacles you will experience. And the fourth D is discipline – the discipline to master yourself to develop the habits necessary for achieving financial independence. Those are the four Ds. Desire, Decision, Determination and Discipline. And you can measure how successful you’re going to be in the future by measuring how well you’re doing in each of those on a scale of one to ten.

Where to Start: Become Financially Independent

Here are two things you can do immediately to put these ideas into action:

First, make a decision, right now, that you are going to be financially independent, no matter what obstacles you face in the short term. Then write it down, make a plan and start to work on it every single day.

Second, resolve in advance that you will persist in the face of every setback or obstacle you face. You will never give up. You will keep on moving forward until you finally achieve your goal.

Thank you for reading this article about becoming financially independent and how you can be ready for retirement. Please share and comment below!

Topics included in this article include

Financially Independent

Financial Success

Be Ready

About Brian Tracy — Brian is recognized as the top sales training and personal success authority in the world today. He has authored more than 60 books and has produced more than 500 audio and video learning programs on sales, management, business success and personal development, including worldwide bestseller The Psychology of Achievement. Brian's goal is to help you achieve your personal and business goals faster and easier than you ever imagined. You can follow him on Google+, Twitter, Facebook, Pinterest, Linkedin and Youtube.

  • Dean Garn

    I have read and understand about the 4 D’s My situation like many other Americans Is that I put myself into a deep dark financial hole Someone that seems to be no way out of But with more literature and understanding I know I can do exactly what you’re talking about Please read this and contact me by email If you see that there can be any hope for my situation Thank you

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  • John emmanuel

    Brian never stops to inspire me. He writes well. Just make a difficult subject very easy to understand. Everyone in their lifetime have the capacity to become wealthy only if they’ll take financial education serious. I got the Psychology of Selling and I hope to get more of your books. Thank you brian.

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  • Brian, this is epic.
    You don’t have to sit on the fence.
    It is the decision to change your
    situation and taking action that
    leads to any meaning change.

    Take charge and decide to own your life

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