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10 controversial beliefs about money that are often embraced by the wealthy but rejected (or misunderstood) by those who struggle financially:

1. Debt Can Be a Tool, Not Just a Burden
• Rich people: Use debt strategically to invest in appreciating assets like real estate, businesses, or education that increase wealth.
• Poor people: Often view debt only as something to avoid or as a result of overspending.

2. Time is More Valuable Than Money
• Rich people: Prioritize outsourcing tasks, automating income, and focusing on high-value activities.
• Poor people: Often trade their time for money without exploring ways to leverage time effectively.

3. Money is a Game — and Learning the Rules is Key
• Rich people: View wealth-building like playing a strategy game — with rules, skills, and calculated risks.
• Poor people: Often believe success is purely luck, privilege, or circumstances.

4. Paying Yourself First is Non-Negotiable
• Rich people: Treat saving and investing as a fixed expense — paying themselves before spending.
• Poor people: Often save whatever is left over after expenses, which is usually little or nothing.

5. Your Network is Your Net Worth
• Rich people: Invest heavily in building relationships with other successful, growth-oriented individuals.
• Poor people: May prioritize friendships based on comfort rather than growth.

6. Comfort is the Enemy of Progress
• Rich people: Embrace discomfort, risks, and challenges as essential for growth.
• Poor people: Often prioritize security and familiarity, avoiding discomfort.

7. Investing is More Important Than Saving Alone
• Rich people: Focus on multiplying money through investments, understanding that savings alone won’t build wealth.
• Poor people: Often hoard savings without exploring growth opportunities.

8. Income is Unlimited (If You Control It)
• Rich people: Believe there’s no ceiling on how much they can earn by creating businesses, products, or investments.
• Poor people: Often rely solely on fixed wages, limiting their earning potential.

9. Failure is a Stepping Stone to Wealth
• Rich people: View failure as feedback and a learning opportunity.
• Poor people: Often fear failure, avoiding risks that could lead to success.

10. Money Doesn’t Solve Money Problems — Mindset Does
• Rich people: Understand that financial problems are often rooted in poor habits, limiting beliefs, or lack of education.
• Poor people: May assume that simply earning more money will fix financial struggles without addressing spending behavior or mindset.