How to Become Wealthy?

Posted by Grace under Money on October 17, 2014

Want to know how to become wealthy? Learn the easiest way yet effective on how to acquire wealth today. Ask yourself, do you really want to become wealthy? If not really, this page won’t help you. If you are sure that you really want to become rich, then, keep on reading. Last Tuesday October 14, 2014, one of the readers of asked this question, through email. The question regarding becoming wealthy was stated as follow;

Dear Investment Total Writer,
Translated from Tagalog
Your blog is very interesting and educational. I’ve learned so many things from it especially retirement planning by reading your guide on how to compute my target earning asset during retirement. I am just an employee working in Makati as an office clerk receiving a salary of P18,000 a month. How can I become wealthy with that salary?


Thank you for educating us. I am looking forward to find the best answer on how to become rich as an “employee”.


I answered her email that night with what I know. I made an answer to her question based on other people’s experience and my own experience. I am becoming rich from day by day. My net worth almost increased more than a 200% after I follow this technique on how to become wealthy.

Here’s my answer to her question (to make it detailed afterwards – keep on reading).

How to Become Wealthy?

Hi Kianne,

First of all I would like to thank you for being a loyal visitor of, let me share on what I know about becoming wealthy. I am also working for someone else (an employee) for more than 10 years. First, let me clarify your question, you want to become wealthy while being employed, right?

Let me answer your question straight to the point. Here’s what you should do (just an opinion) and it’s up to you if you will follow these or not.

You can become rich being employee, however, it may take years to build extra ordinary wealth. If you can wait patiently (let’s say 20 years), you have a 100% chance to get really, really rich.

Stay out of debt as long as you can. Do not use credit card if you can. Spend your money wisely buy paying yourself first – means, save money for yourself for the future, save money before spending your salary. Save at least 20% of your salary or P3,600 per month.

Do you know that in P3,600 per month savings can give you extra P3,000,000 after 20 years?

Saving can’t help you become rich, the habit of saving can. After you practice saving and stay disciplined in saving money. It’s time to grow your money by investing. (I guide her in these different types of investments).

Just set aside P3,600 per month and invest in a mutual fund company, why mutual fund? It is because somebody (an expert) will do the investing for you.

Kianne, I will going to inform you when I wrote an article about how to get rich as an employee.
May God bless you prosperity, health and happiness.

InvestmentTotal Admin

If she took action she will become rich slowly but surely. This guide will going to teach you on how to become rich in a sure way, stop looking for quickest way or fastest way to become rich. So let me begin with the guide. If you can add a great answer to Kianne’s question, just write in the comments box.

Becoming Wealthy Isn’t Easy

Define Wealth, What is Wealth Really Mean for You?
In dictionaries, wealthy or rich are the same. Wealth means having an abundance of money. So, let’s talk about money, acquiring a lot of money.

How to Become Wealthy by Learning from the Wealthy People?

There is a saying goes, if you want to climb Mt. Everest, try to climb with the one who’s been there. Do not try to climb the mountain with the beginner or with someone that has no experience in climbing. Let just use the word climbing when it comes to riches, if you want to become rich, ask the rich, not the poor!

Here are some lessons from the wealthy people, memorize their “wise thoughts” and “great perspective” about wealth, learn from their attitude towards work and business.

Bill Gates is a billionaire and one of the world’s richest men. He used to start a business not to compete but to be creative, he had think carefully a bright idea on what products should people use to improve their lives. Now, Microsoft is a big success, people need computer, computer need windows.

The owner of Facebook and Google are also a big success. They think a unique idea to help people. I can’t imagine myself for not using a Facebook or searching or researching using Google. How hard it is for people to not to use these great services, services to socialize and services to provide information for internet users.

Manny Villar, Jr is a Southeast Asia’s billionaire homebuilder once said “For every adverse condition, when you think that everything is down, there’s always an opportunity lurking somewhere”.

Another words of wisdom from the rich people, learn from their words.
J. Willard Marriott (Marriot Corporation) – “Work and effort will earn a young man or woman an opportunity for an education, an opportunity to develop his or her talents and make a completely successful life, in whatever area he or she desires”.

John Gokongwei, Jr. owner of JG Summit Holdings Inc., also one of the most wealthiest entrepreneur in the world according to Forbes magazine. John Gokongwei, Jr. says “If you want to start your own business, you should possess certain qualities like integrity, honesty, thrift, diligence and willingness to take measured risk. It’s hard work. You cannot just build a business on dreams”.

Ray Kroc (McDonalds) reminds us about salesmanship to become wealthy. He says “I was 52 years old. I had diabetes and incipient arthritis. I had lost my gall bladder and most of my thyroid gland in earlier campaigns, but I was convinced that the best was ahead of me…The definition of salesmanship is the gentle art of letting the customer have it your way”.

I cannot control myself to share to you what Larry Waschka said about “wealth”. Larry Waschka is an investment guru and he is the author of The Complete Idiot’s Guide to Getting Rich. He says “ If you want to build serious wealth, whether you work for yourself or someone else, the key is to live well within your means so you can save money systematically each month”.

Have you read the statement “save money systematically each month”? Here’s the guide on how to manage money properly for you to know how to save and invest money for your financial future.

Useful Guide: How to Manage Money Properly?

I think my advice to Kianne is correct. I hope she would understand what Larry Waschka said in his statement. Save and invest for the future, to do it, if you want to become wealthy, learn not just to save but to invest. John Gokongwei Jr (“willingness to take measured risk”) talk about investing, he invest his time and money in his business empire. Universal Robina Corporation and JG Summit Holdings, Inc.

If you don’t want to build your own business, try to invest your money, kindly read the article about the different types of investments and let the time help you to make your money grow.

Useful Guide: Types of Investments

Tips #1 to Become Wealthy: Find a mentor (rich mentor), model his ways, how he think, how he make money and how he manage his money. I repeat, “rich” mentor. Make sure your financial advisor or finance coach is already rich.

How to Become Wealth and Why You Should Choose to Become Rich?

Beginning today, you must have a clear mission why you want to become rich. Is it for yourself, for other people, for your community or only for your ego. You do want to become wealthy because you want to become happy. That’s a wrong idea, it should be; You must become happy first then money will follow. As the old saying goes “money will only make you more of what you already are”. – T Harv Eker quote.

Stay Focused to Your Goal

Staying focus to your goal. What makes you stop in becoming wealthy? Is it your friend, your parents, your mind. Staying focus means not to be distracted by someone else even your own mind. If you really want to become wealthy, do what it takes to become rich. Are you willing to sacrifice your weekends, instead of enjoying and making a simple rest, you are doing your business or you are working.

Are you willing to sacrifice instead of buying new gadgets, you are investing your money in stocks, mutual funds or UITF? If yes, chances are you can become rich, sooner.

Tips #2 to Become Wealthy: It is your money, you can do what you want with it. It is your life, get rich and getting rich should be your priority. Stay focused. I remember what Robert Kiyosaki gave a meaning to the word FOCUS. Finish one course until successful. Do not stop until you get wealthy, period.

Get Education About Finances

Of course, billionaires didn’t realized their dreams over night. If you want to become wealthy, keep educating yourself about money such as “money management”. Also, increase your knowledge about investing, why? Simply because, investing can make your money work for you. And this is the big secret; investing is for everyone, isn’t only for the rich. It is for you and me.

Learn how to invest your money today, keep on reading for further information.

How to invest in real estate? Look for a forclosed properties in the banks or other companies. Buy a house and lot in a low price and sell this property after few years. Things to prepare, investment capital for buying a property and a money for transferring the lot title in your name. You can borrow from the bank and onced your property was sold, pay the bank immediately.

How to invest in the stock market? Look for the listed broker in your country stock exchange, open a trading account, fund your account, buy stocks (only blue chips for sure), wait for the stock price to increase and as a bonus you can also receive dividends. Things to prepare, valid IDs, investment forms usually downloadable in the stock broker website, investment capital.

As a guide for investing in the stock market, kindly read, topics;
1. How to Open a COL Financial Account?
2. Blue Chip Companies Stocks
3. If you are a Filipino, read Philippine Stock Market Updates

How to invest in mutual funds and UITF? Go to mutual fund companies or download their investment forms in their website, read the prospectus, make your initial mutual fund investment, add investment per month or just do it lump sum (one time investing). Wait for few years, some mutual fund companies can give you a return on investment averaging to 18% earned interest per year (equity type).

As a guide for investing in mutual funds, kindly read, topics;
1. How to Invest in Mutual Fund?
2. Mutual Fund Companies in the Philippines
3. Philippine Mutual Fund PIFA Awardees 2014

Tips # 3 to Become Wealthy: Becoming wealthy isn’t easy, it can be easy if you have goals and plans, if you have a great purpose and if you are educated enough about financial literacy. Attend seminars, read useful business and finance books, read magazines like Entrepreneur and Forbes Magazine, ask on forums, read blogs like CNN Money, Forbes.Com, Bloomberg, personal finance blog like

Have a Millionaire Mindset if You Want to Become Wealthy

From now on, stop talking and complaining about “poverty”. You want to become wealthy, you must talk about prosperity. How to have a millionaires mindset? Simple, from the word itself, it is only in your mind. Use your mind correctly when it comes to money. Change your bad money experiences and programs, think millions, think big, think like a millionaire, act and speak like a millionaire. Everyday, be grateful about the increases of your net worth.

Recommended Books: Try to read T. Harv Eker “Secrets of the Millionaire’s Mind – Think Rich to Get Rich”, and the book “The Science of Getting Rich” written by Wallace Wattles.

Tips #4 to Become Wealthy: Have a positive outlook about money. Do not believe in the statement “money is the root of all evil”, “money can’t buy happiness”. Have a money belief that supports your goal – to become a wealthy person.

Take Action or Keep Dreaming

After you have read this article, make a great move. Attend seminars, if you want to start your own business or invest your money, the best time to do it, is now!

Know what you really want, if you really want to become wealthy, do whatever it takes, if it takes 16 hours a work per day, do it. If it takes 1,000 kilometers to walk to make your first million dollars, do it. If you are not willing to do it, go to bed, sleep and wait for millions of dollars at night (in your dreams only, sorry for that).

Tips #5 to Become Wealthy: Keep moving forward, achieve your goal. It’s your goal not someone’s goal. A goal can easily achieve but can also easily ignore. Be serious about getting wealthy. Stop listening to other people. Start listening to your instinct, to your ambitions, to your heart. Do not waste your time, spend each minute of your life wisely.

Do not afraid to make mistakes, do not afraid to fail. Observe and analyze your success rates, be willing to fail 1,000,000 times just to get one big and permanent success.

To Kianne, turn your salary into income. Educate yourself, manage your money as well as your time. You can do a business after working hours, there are passive income ideas topic that you can read. Do not forget to invest your money, anyone can become a millionaire even if he is only (minimum wage earner) earning a small amount of money. To make yourself motivated, kindly analyze the topics related to your question.

Types of Investments – will teach you the different types of investment together with the risk involved in each investment vehicle. This will teach you where to put your hard-earned money to make it grow.

How far can your P2,500 per month investment can take you? – Just a simple explanation of the future value of P2,500 after a specific period of time if invested properly.

Passive Income Ideas – list examples of work at home job opportunities such as virtual assistant, affiliate marketing, etc.

How to Make Millions? – it will teach you how to earn your first millions of dollars (just change the dollars into peso).

As a Summary:

There are 5 tips on becoming wealthy written in this page of, and here they are;

Find a rich mentor – make sure if you hire a financial advisor, he should be rich. If you know a successful businessman, approach him nicely and make friends with him and model his ways on how to make money and manage money.  Do you still remember, what I stated about climbing in a mountain?
Stay focused, aim your target. Remember what Robert Kiyosaki said ; finish one course until successful.
Know your purpose why you want to become rich. Is it only for yourself, for your loved ones, for your community or for your ego.
Have a millionaires mindset, think and act like a millionaire, and do what rich people do. Think big, increase your net worth. Invest like a millionaire.
Take action, spend your time in achieving your goal. Do whatever it takes to succeed and become wealthy.

Final Thought
As a final thought, let me leave you a great reminder from T. Harv Eker – author of the Secrets of the Millionaire Mind, Mastering the Inner Game of Wealth.

If you are willing to do only what’s easy, life will be hard. But if you are willing to do what’s hard, life will be easy. – T. Harv Eker, Wealth Principle

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