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Transcript of Sanmi Akindipe
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Sanmi Akindipe
ROADMAP TO BUILDING YOUR
FINANCIAL FUTURE
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ROADMAP TO BUILDING YOUR FINANCIALFUTURE
FINANCIAL FUTURE SERIES 1
2004 BY OLUWASANMI AKINDIPE
SECOND PRINTING 2009
ISBN: 978-978-088-667-7
Designed by:
Set ConceptsAjoke Plaza,
525, Agege Motor Road,
Oshodi, Lagos.
234-8033597235
234-8069003886
www.setconsultingng.com
All rights reserved. No portion of this publication may be used
without the express written consent of the author except for brief
excerpts in magazines, articles, e.t.c.
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DEDICATION
This book is dedicated to the Almighty God.
ACKNOWLEGDEMENT
I want to express my profound gratitude to the
entire staff of Hadassahs Touch for making sure
that the editing of this book was a success.
I sincerely appreciate all those who have
contributed to my life positively.
YOU ARE GREAT!
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INTRODUCTION
Your financial future series is a collection of
lectures delivered by Oluwasanmi Akindipe. These
lectures have changed lives and they will change
your life too.
This book will bring an everlasting end to your
sorrows of money and confusions on finance. All
you need is to do it now.
Great men are small men who use great
information to become great. You need to act on
every piece of information you find in this book.
DO IT NOW! (DIN).
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CHAPTER 1
Financial Future 1
It is true that he, who fails to plan, has already
planned to fail. Failure is a gradual thing just as
success or financial freedom does not happen all of
a sudden. Financial freedom or success does not
occur without appropriate and efficient planning.
The heights reached and kept by great men werenot attained by sudden fight, but while their
companions slept, they were toiling upward in the
night. The people who got rich legitimately,
whether consciously or unconsciously, planned how
to get there prior to acquiring wealth. Planning is
an essential key to wealth realization. Therefore,
success is not by chance but it is a choice.
Today is simply a result of the choices you made
yesterday, and your tomorrow will be the
byproduct of the choices you will make today.
Consequently, your financial future would be the
aftermath of the choices you make as regards your
money today. The pitiable financial position of
many people presently is simply because they
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failed to think and plan about their financial future
yesterday. They are the architects of their own
misfortunes. Research reveals that 60% of home
break-ups and divorce is due to financial problems.
Do you know that most stress is directly or
indirectly related to concerns for money? Money
problems or financial problems usually result in
lowered self-esteem. It is obvious that money
problems or financial problems are usually life-
threatening; they can lead you into crime no
matter what you profess to believe. It can affect
your health, destroy your marriage, and annihilate
your sense of self-worth. With all these negatives
attached to financial problems, it is therefore
principal to understand the roadmap to your
financial freedom.
The way to financial freedom, if you desire it, is as
simple as A. B. C. Becoming financially successful
has nothing to do with your age, race, or location.
The knowledge of how to be successful is more
valuable than success itself.
Remember, if you do not have a goal, you become
a goat. Planning is the platform you use to process
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your thoughts to empower your progress in life.
There are seven (7) the basic secrets you must
know about becoming financially independent. I
will expatiate on this in the next couple of
chapters.
Friends, God did not create you to suffer
financially. Sit down and consider the factors
hindering your financial independence. Why are
you not rich by now? It may be because you have
not taken to any of these secrets. Believed God for
a change in your finances and He will give you a
testimony.
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CHAPTER 2
Financial Future 2
I will start with the first 3 secrets here and reveal
the remaining 4 in the subsequent chapters.
Dear friends,
The first place to start your journey to financial
freedom and then proceed to financial
independence is in your MIND. Mans greatest
asset for wealth creation is his mind, and the mind
is the bedrock for an ideal life. The whole world is
a product of some peoples minds. If you use your
hands you will feed yourself, but if you use your
mind you will feed generations. Shout this loud
now. I will use my mind. Before you see
money with your eyes, you must first see it with
your mind. Your mind is the manufacturing
company of ideas. God will never throw down
money from heaven, but He will always give you
an idea and a seed (some amount of moneyprovided by God) to act on the ideas and become
rich. However, if your mindset is wrong, you will
not use the idea or worse still, you would eat your
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seed and then remain poor. If you are poor, it is
your choice. Ideas form and rule the world.
Whatever stops you from getting any idea has
stopped you from obtaining money. The best
investment you can ever make is to train your
mind to produce ideas.
Dear friend, change your mindset to be rich by
making a pivotal change. You need to acquire
financial materials, attend financial seminars, have
a strong and unflinching focus, engage in fruitful
givings to God, people, and ultimately depend on
the faithful God. If you refuse to change your
mindset, then you remain in chains.
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CHAPTER 3
Making Money and Investing Money
Dear friends, the next step is saving. You must
make up your mind to start saving. Saving is the
first step in the temple of wealth and no climbing is
made unless the first step is taken. Michael Stolper
said Save and you shall be saved. The foundation
of your financial future lies strongly in saving 25%
of your income regularly in a good bank; using a
good bank product. At least save some percentage
of your income even when it increases. One most
important wealth-building word is SAVE. Research
reveals that if you save N20 for 20 years at 20%
per average rate, it yields N1.9m. What you keep
will keep you and what you save will save you.
The next secret is spending money. Profligate
spending is the originator of the disintegration of
lives, homes and nations. Spending is made up of
your living expenses, therefore to build your
financial future, you must shape your spending.
Make a budget, it will help you manage your
spending. Plan ahead by using a spending
calendar. Never buy anything unless you
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absolutely need it. Decide on expenses to make
before you are faced with them.
Dear friend, the next secret to building your
financial future is Learning how to make
money. You must have goods and services
people are willing to pay for before you can make
money.
There are two things you can use to make money:
(1) Money or idea
(2) A combination of money and idea.
The next secret is Investment. A certain
percentage of your income must go into
investment. Investing your money is allowing your
money to work for you. Learn to invest in shares,
buy properties, go into general business, invest in
Treasury bills, bonds and other good bank
products. To learn more about stocks and shares
read my books on How to make money fromstocks and shares (A simplified approach). Dont
joke with investment most especially n stocks and
shares if you want to build a solid foundation for
your financial future. Research unveils that 420 out
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of 450 Billionaires in the world got their billions
through stocks and shares, and most of them
including the first, second, and forth richest man in
the world maintain their money through stock and
shares.
The second to the last secret is Enjoying your
money. This absolutely depends on how you
handle lifes luxuries. Using the most expensive
things does not mean you are using the best
things. Enjoying your money should be your
priority, and by this I mean deriving satisfaction. If
I take fruit rather than soft drinks, I derive more
quality satisfaction from the good fruit becausesoft drinks are byproducts of good fruit. You enjoy
the fruit and also conserve some money because
the fruit is not as expensive as the soft drink.
Henry David Thoreau once said, That man is the
richest, whose pleasures are the cheapest. Let
your pleasure and luxury be cheap to maintain and
it will help your financial future.
Example of a spending Calendar.
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Item Jan Feb March
House ____ _____ _____
Clothing ____ _____ _____
Books ____ _____ _____
Others ____ _____ _____
Total ____ _____ _____
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CHAPTER 4
Learn to Use Your Money Wisely
The last secret is learn to give a portion of
your income to GOD and other people. It is a
spiritual principle in becoming financially
independent. You can never go beyond the
pinnacle of what you can give. Allow the money in
your hands to flow. That is why money is called
currency; it flows like a current. The best way to
judge people is by what they give. Giving is always
the thermometer of our love for others. Make all
you can, save all you can, give all you can. Giving
is a proof that you have conquered greed. When
you sow, you grow; when you grow, you flow;
when you flow, you overflow; and when you
overflow, you dominate. However, it all starts from
sowing.
Luke 6: 38says Give and it shall be given to
unto you; good measure, pressed down, and
shaken together, and running over, shall men
give into your bosom.
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Dear friends, assign a portion of your income that
you will give out to God and others; remember,
givers never lack.
Make out time to write me as regards anything you
do not fully understand in this book. For bulk
purchase of this book for your organization and
friends, I could give you discounts on your
purchases.
OUR MISSION
- To eradicate poverty and unemployment fromyour life through powerful information.
- To let you know how to manage Godsprovision for your life through biblical
principles.
- To help you discover your talent and put it touse.
- To release through prayer the power of God tobring a transformation in your life.