Hello. I'm delighted you chose this book to assist you in achieving financial independence. This is when work becomes a choice, and not a requirement. I still work because I love what I do, not because I have to earn money. I created this after struggling for years thinking that making more money would lead to financial independence. I was wrong, and you can use my experience to avoid wasting your time and get on the fast track to wealth.

It doesn't matter where you are now. You may be earning an excellent income but feel it's not enough. You may be struggling to get by and don't even know where to start. In this book, I'll show you how to be Rich On Any Income, Even If You're In Debt. This is the name of the Learning Annex workshop I've been doing monthly since 1992.

This book will be of assistance to everyone, from the person who received no instructions in school or from their parents to professional financial planners and accountants. How can that be? Easy. It's done in a simple, practical, and step by step approach. Anyone who can read at a sixth grade level and knows how to add, subtract, multiply and divide will be able to work with this material.

Whether you have a Ph. D. in economics or you didn't finish high school, you can find value in this book. This book is about the basics. The greatest athletes in any sport have the best grasp of the basics. Basics are the strong foundation upon which they built their success. If you've already mastered the basics of handling money effectively and you've created financial prosperity for yourself, then you can use this book to teach others how to do it because it provides the 12 steps to creating Wealth On Any Income using a systematic approach. Those of you who have created financial prosperity will quickly recognize the value in this book and create additional value for yourself.

This book is for people who want to have wealth. This book can be used by people who want others to think they have wealth, but this is not my purpose. I'm referring to the people who want to impress others. We all want to do that to some extent, but I'm referring to those who are living beyond their means so that others will think they're successful.

My intention is to support those who want the security and peace of mind which comes from having money in the bank, stocks, bonds, mutual funds or income-producing real estate. Perhaps you want to have a business which generates an income whether you're present at the business or not, knowing if you chose not to work, you don't have to. You may want to be able to buy a new Mercedes and pay cash for it, if you choose. You might want to have the money to travel anywhere in the world and choose if you will go or not.

What do I mean by Wealth On Any Income? It doesn't mean the mortgage on your house, your car loan or other debts will be gone instantly. It means you will see how you can live within your income, pay off your debts and begin the path to creating financial independence or financial freedom. Again, I define this as the ability to choose to work -- or not work. This happens when your financial needs are provided for by your money working for you, instead of you working for money. This is where work becomes a choice and not a requirement.

In this program, you'll learn the Gabriel System. It's a process of combining three things: Awareness, Tools and Actions to create financial prosperity. It incorporates using The Financial Coach Spending Plan Checkbook Register to track expenses and measure the level of pleasure you get when you spend your money. The system requires you to treat yourself like you deserve to own some of the money you earn, and I'll ask you to take actions consistent with your values in order to achieve financial independence.

There are two ways this book can serve you. First, you can just read it to get some new and valuable information. Or, use the tools I provide and make powerful new decisions. Don't let the word tools concern you. I use this word to describe the forms and concepts I've provided. If you wanted to prepare a gourmet meal you would need cooking tools, also called utensils, like a knife, spatula, grater, pot, pan and so on.

If you wanted to repair a car you would need things like a wrench, screwdriver and pliers. (When I was young, car repair tools were chewing gum and wire.) To open a locked door you would use another tool, a key. If you wanted to build a house you would need a hammer, nails and a saw. As you use these tools, you will be developing the skills to build a financial house -- one which will shelter you from fear, anxiety or concerns about your economic circumstances.

It doesn't take a rocket scientist to figure out you'll get far more from using the tools and applying the skills than just reading the book.

Also, as you read, think about others. You may hold the key to the financial growth of someone else. My agenda is for everyone to have financial prosperity easily and effortlessly. And, when you've created it for yourself, I feel you have an obligation to help others. To paraphrase one of the wealthiest men of the twentieth century, Andrew Carnegie: People's first obligation is to create wealth for themselves, and then give it away. He certainly demonstrated that philosophy with the university and libraries he established.

You may think you're the only one with financial concerns. Or, even if you know others are having difficulty, it's not likely you talk about it in any detail. This program has assisted thousands of people to overcome difficult financial issues. It has helped people from a wide range of occupations. You may not have realized this, but just because someone like a doctor, financial planner or CPA knows how to do things for other people, like heal them or take care of their investments or taxes, doesn't mean they've done what they need to do for themselves.

You may be wondering where I get off writing a book called Wealth On Any Income. In 1982, I was flat broke. I had to take soda pop bottles to the grocery store for food. I was three months behind on my mortgage payments and the bank was preparing to take away my house. My wife and children were at their wit's end. I was in the art business at the time, more like a salesman than a business owner, and obviously not a good one. I was at least smart enough to figure out this wasn't working.

I returned to selling pension and profit-sharing plans, and with the help of two other people formed a pension administration company. After four years, we negotiated the purchase of our company to a division of a public corporation. I became financially independent at age 39, and it didn't take millions of dollars to do it. I was able to choose work, or no work, with $300,000. I invested this money and produced $60,000 per year of income and, based on my lifestyle, I could cover my expenses whether I worked or not. If your lifestyle would require $3 million or $30 million, you'll see how to do that, too.

Copyright © 1999-2001 by Rennie Gabriel

Hello. I'm delighted you chose this book to assist you in achieving financial independence. This is when work becomes a choice, and not a requirement. I still work because I love what I do, not because I have to earn money. I created this after struggling for years thinking that making more money would lead to financial independence. I was wrong, and you can use my experience to avoid wasting your time and get on the fast track to wealth.

It doesn't matter where you are now. You may be earning an excellent income but feel it's not enough. You may be struggling to get by and don't even know where to start. In this book, I'll show you how to be Rich On Any Income, Even If You're In Debt. This is the name of the Learning Annex workshop I've been doing monthly since 1992.

This book will be of assistance to everyone, from the person who received no instructions in school or from their parents to professional financial planners and accountants. How can that be? Easy. It's done in a simple, practical, and step by step approach. Anyone who can read at a sixth grade level and knows how to add, subtract, multiply and divide will be able to work with this material.

Whether you have a Ph. D. in economics or you didn't finish high school, you can find value in this book. This book is about the basics. The greatest athletes in any sport have the best grasp of the basics. Basics are the strong foundation upon which they built their success. If you've already mastered the basics of handling money effectively and you've created financial prosperity for yourself, then you can use this book to teach others how to do it because it provides the 12 steps to creating Wealth On Any Income using a systematic approach. Those of you who have created financial prosperity will quickly recognize the value in this book and create additional value for yourself.

This book is for people who want to have wealth. This book can be used by people who want others to think they have wealth, but this is not my purpose. I'm referring to the people who want to impress others. We all want to do that to some extent, but I'm referring to those who are living beyond their means so that others will think they're successful. My intention is to support those who want the security and peace of mind which comes from having money in the bank, stocks, bonds, mutual funds or income-producing real estate.

Perhaps you want to have a business which generates an income whether you're present at the business or not, knowing if you chose not to work, you don't have to. You may want to be able to buy a new Mercedes and pay cash for it, if you choose. You might want to have the money to travel anywhere in the world and choose if you will go or not.

What do I mean by Wealth On Any Income? It doesn't mean the mortgage on your house, your car loan or other debts will be gone instantly. It means you will see how you can live within your income, pay off your debts and begin the path to creating financial independence or financial freedom. Again, I define this as the ability to choose to work -- or not work. This happens when your financial needs are provided for by your money working for you, instead of you working for money. This is where work becomes a choice and not a requirement.

In this program, you'll learn the Gabriel System. It's a process of combining three things: Awareness, Tools and Actions to create financial prosperity. It incorporates using The Financial Coach Spending Plan Checkbook Register to track expenses and measure the level of pleasure you get when you spend your money. The system requires you to treat yourself like you deserve to own some of the money you earn, and I'll ask you to take actions consistent with your values in order to achieve financial independence.

There are two ways this book can serve you. First, you can just read it to get some new and valuable information. Or, use the tools I provide and make powerful new decisions. Don't let the word tools concern you. I use this word to describe the forms and concepts I've provided. If you wanted to prepare a gourmet meal you would need cooking tools, also called utensils, like a knife, spatula, grater, pot, pan and so on.

If you wanted to repair a car you would need things like a wrench, screwdriver and pliers. (When I was young, car repair tools were chewing gum and wire.) To open a locked door you would use another tool, a key. If you wanted to build a house you would need a hammer, nails and a saw. As you use these tools, you will be developing the skills to build a financial house -- one which will shelter you from fear, anxiety or concerns about your economic circumstances.

It doesn't take a rocket scientist to figure out you'll get far more from using the tools and applying the skills than just reading the book.

Also, as you read, think about others. You may hold the key to the financial growth of someone else. My agenda is for everyone to have financial prosperity easily and effortlessly. And, when you've created it for yourself, I feel you have an obligation to help others. To paraphrase one of the wealthiest men of the twentieth century, Andrew Carnegie: People's first obligation is to create wealth for themselves, and then give it away. He certainly demonstrated that philosophy with the university and libraries he established.

You may think you're the only one with financial concerns. Or, even if you know others are having difficulty, it's not likely you talk about it in any detail. This program has assisted thousands of people to overcome difficult financial issues. It has helped people from a wide range of occupations. You may not have realized this, but just because someone like a doctor, financial planner or CPA knows how to do things for other people, like heal them or take care of their investments or taxes, doesn't mean they've done what they need to do for themselves.

You may be wondering where I get off writing a book called Wealth On Any Income. In 1982, I was flat broke. I had to take soda pop bottles to the grocery store for food. I was three months behind on my mortgage payments and the bank was preparing to take away my house. My wife and children were at their wit's end. I was in the art business at the time, more like a salesman than a business owner, and obviously not a good one. I was at least smart enough to figure out this wasn't working. I returned to selling pension and profit-sharing plans, and with the help of two other people formed a pension administration company.

After four years, we negotiated the purchase of our company to a division of a public corporation. I became financially independent at age 39, and it didn't take millions of dollars to do it. I was able to choose work, or no work, with $300,000. I invested this money and produced $60,000 per year of income and, based on my lifestyle, I could cover my expenses whether I worked or not. If your lifestyle would require $3 million or $30 million, you'll see how to do that, too.

Copyright © 1999-2001 by Rennie Gabriel