I would like to share this article with you by Bo Sanchez. Truly this will bless your financial life.

HOW TO BE A BILLIONAIRE
By: Bo Sanchez
One day, a man got lost walking in the desert. The next day, he was still lost. After 2 days under the
scorching sun, he was very thirsty. All of a sudden, he saw a little wooden shed.
He ran to it, thinking of only one thing WATER! When he arrived there, he saw an old, rusty water pump
sticking from the ground. He gripped the handle and began pumping like a mad man.
But nothing came out. Disappointed, he stepped back to see how to make it work.
Looking around, he saw a jug covered with dust. When he grabbed it, he saw a piece of paper stuck on it.
The message read, Open this jug and youll find water. Dont drink it. Pour it instead on the pump. And
youll have all the water you want. He popped the cork. True enough, the jug was filled with water.
Now imagine that youre that thirsty man. For 2 whole days, you havent drunk water.
Your mouth is so dry. Youre literally dying of thirst. And youre now holding a jug full of water. But the
message says that you should throw it away! For a moment, your heart is torn. What if the message was a
joke? What if you poured the water on that rusty pump and nothing happened?
But the man in our story chose to take the risk. He closed his eyes, took a deep breath, and poured the water
to the pump. He held the handle and pumped like crazy.
A few seconds later, torrents of water gush out. Indeed, he had more water than he could ever need! He
drank to his heart content. He also found water containers to bring with him in his journey and filled them
up to the brim.
But before leaving the place, he filled the jug with water. And underneath the sign attached to it, he
scribbled, I tried it. Believe me, it works.
You Have A Choice: Drink Now or Drink Forever
This is a great picture of why people are poor. The money that you hold now, no matter how small, is like
that jug of water. And you always have a choice: You can drink now or you can drink forever. YOU CAN
HAVE MONEY NOW or HAVE MONEY FOREVER.
How? By investing. A lot of people dont invest. They spend whatever they have. Ive met people who
earn P10T a month or P50T a month or P500T a month----and they spend everything. (Yes, Ive met a lot of
high-income poor people!) Thats why their money pump remains dry. And theyll remain poor forever. It
really doesnt matter how much people earn. What matters is how much they invest. You have money now.
It may be small but you have it. And youre standing in front of a money pump.
Actually, three money pumps:
Business: Traditional, Franchise, Networking, etc.
Property: Rental Property, Buy and Sell, etc.
Paper: Bonds, Mutual Funds, Stock Market, etc.
But today, Id like to focus on the Paper money pump.
Not everyone can start a business right away.
Not everyone can buy a property right away.
But almost everyone can invest in Paper Assets.
You have a choice. Will you simply consume your little money?
Or will you pour it into your money pump---- so that it produces more money for you?
Dont Wait for Better Times Before You Invest
In the Bible, Isaac sowed in time of famine. Crazy, right? Shouldnt you keep whatever seeds you have to
eat? But because he did that, the Bible says, that year he harvested 100x as much as he had sown, because
the Lord blessed him.
He continued to prosper and become a very rich man.

When you have very little money, thats the time to invest.
Invest Even When Your Money Is Small
Proverbs 21:20 says, The wise man saves for the future but the foolish man spends whatever he
gets. Are you wise? Let me tell you the story of Jack and Jill. Jack and Jill went up the hill to get a pail of
water. Jack fell down and broke his crown and Jill came tumbling after.
Jack had brain surgery and he recovered. But he had no health insuranceand his high medical
expenses made Jacks family very poor. This experience changed his life. The emotional pain created an
inner resolve in him. Jack told himself, When I grow up, Ill never be poor! At age 15, he started a small
business. Every month, he earned P2500, which he invested in the Bonds and Stock Market of strong, solid,
great companies. For the next 5 years, he was faithful with his investments. When he reached 20 years old,
he volunteered in a ministry for the poorest of the poor. He received only a small allowance and didnt have
any savings. From then on, he couldnt add to his investments anymore.
Jill Saved At Age 27. Jill had a different life story. The fall from the hill didnt affect her too
much. No traumas. Except for a few scratches, she was okay. She lived a happy-go-lucky life and didnt
save at all. She lived like everyone elsespending her salary on stuff. Nothing was left at the end of the
month.
But when she was 27 years old, Jack called up Jill and invited her to go out. They talked about
their life experiences after the fall. Jacks sharing changed Jills life. At 27 years old, Jill began to save
P2500 a month. And like Jack, she also invested it in the Stock Market and bondsthe same strong, solid,
great companies that Jack invested in. She was so faithful to her investments, she didnt stop until she
reached 65 years old.
One day, when Jack and Jill were both 65 years old, they had lunch together. They sat down to discuss their
finances. How much money did you invest? Jill asked. Jack said, That was a long time ago.
For 5 years, from age 15 to 20, I invested a total of P150,000. That small? Jill looked at him with
pity. She said, For 38 years, from age 27 to 65, I invested a total of P1.17M. Ill take care of you, she
squeezed his hand. But I wonder how much money we have? Lets take a look. Both of them called up
their Financial Adviser. Both were totally shocked
For Those Who Like To Look At Table, heres what happened
Age

Jack

Jill

15

30,000.00

16

30,000.00

17

30,000.00

18

30,000.00

19

30,000.00

20

21

22

23

24

25

26

27

30,000.00

28

30,000.00

29

30,000.00

30

30,000.00

31

30,000.00

32

30,000.00

33

30,000.00

34

30,000.00

35

30,000.00

36

30,000.00

37

30,000.00

38

30,000.00

39

30,000.00

40

30,000.00

41

30,000.00

42

30,000.00

43

30,000.00

44

30,000.00

45

30,000.00

46

30,000.00

47

30,000.00

48

30,000.00

49

30,000.00

50

30,000.00

51

30,000.00

52

30,000.00

53

30,000.00

54

30,000.00

55

30,000.00

56

30,000.00

57

30,000.00

58

30,000.00

59

30,000.00

60

30,000.00

61

30,000.00

62

30,000.00

63

30,000.00

64

30,000.00

65

Total

30,000.00
150,000.00

1,170,000.00

Total Amount Invested: Jill: Php 1,170,000

Jack: Php 150,000
Total Retirement Money if it Grew at 20% A Year:
Jill: Php 220 Million
Jack: Php 1 Billion
Jill is a Multi-Millionaire but Jack is a Billionaire. If Jack grew his money at 20% a year by investing in
great, solid companies through the Stock Market, hes now a billionaire. He did that by investing P 150T
some 45+ years ago. Jill, because she invested a much bigger amount, P1.17M, has P220M only.

Are you 50 years old or below? You can retire with a few millions. Are you 40 years old or below? You can
retire with tens of millions. Are you 30 years old or below? You can retire with hundreds of millions. Are
you 15 years old or below? You can retire with a billion.
How? Dont wait for better times before you invest. Dont wait when you have excess money. Invest now
while you have money (Big or Small). Because your greatest ally is time. If you put small amounts of
money every month through stocks and bonds, you can grow at 20% average every year over the long-term.
Again, only if you do this for 10 years or more. Disregard the lows, the crisis, the recessions. Just keep
investing. The key is DISCIPLINE. You have to be consistent in investing every month. Are you ready to
change your financial life?
Let me end by giving you step-by-step instructions on what to do next
Instructions:Step 1: Invest 30% of your Income, Live on 70%. Why 30%?
First, invest 10% in the Kingdom of God. This is your investment for eternity. Tithing is your greatest
investment. You tithe to the spiritual family that nourishes your soul. Second, invest 20% into your
Retirement Fund. For most, itll be in Mutual Funds or the Stock Market. For a few others, itll be in
business and properties. And then live on 70% of your income. Simplify!
Step 2: Invest First Before Spending
Thats why the Bible says to give Him the first fruits.When your receive your salary, set aside
your 30% right away. Dont spend first and then invest whats left. From experience, nothing will be left.
Step 3: Choose Between Mutual Funds or Stock Market
If you have 50 million or more, and if youre 60 years old & above, Ill point you to Bonds and even
Banks to keep your money. But for the rest of us, choose between Mutual Funds or the Stock Market to
invest your long-term savings. By long-term, I mean 10 years or more. Each month, you add. But you dont
subtract. Call it your Retirement Fund to brainwash your mind that you wont touch it.
Whats the difference between Mutual Funds and the Stock Market? In Mutual Funds, you pay a company
to manage your funds. For a small management fee, they take care of your investments. Many insurance
companies also combine insurance products with investments, and you can look at those too. Today is the
day that your life can change. Make a decision that enough is enough. I repeat: Dont wait for better times
before you invest.
----End of Article--Grow and protect your money. And dont forget to protect your best asset that is YOU. Because you are the
one generating that income. Start investing with a protection now.
Should you decide to act now, talk to me, you Pru Financial Adviser. This is what my company does best.
Thank you for taking time to read this and I am hoping that I have shared with you a great blessing of
knowledge today. Should you need to pay it forward to people you care about, you can ask me to give this
exact same article to them.