About michalkowal
Posts by :

My Reading Notes:
- Vasistha continues, “Not by merely and verbally denying such a notion of existence is it obliterated: on the contrary, such denial itself becomes a further distraction.” To deny the existence of a problem simply enforces it. To say, “I’m working hard to gain liberation and perfect peace,” generates the notion, that you do not have liberation or peace. You are affirming that which you do not want to experience without your knowing. You are liberation and peace. To say, “I am making my self well through this practice, because there was something fundamentally wrong with me before,” has the same effect. There is nothing wrong with you. You have just been affirming your current state through your actions, thoughts and words. Now it is time to affirm that which you do want to experience.
- There may be points through out the day when you are unhappy or uncomfortable with the present circumstance. That’s natural until you learn to be content all the time. What is the best way to deal with moments like that? First, admit that you feel the way you do. Then if you find your self thinking that something in the future would change it, stop. More than likely, you would just feel better temporarily, and then once that is cleared up, something else would come up and you would think that there must be something else. It’s an endless cycle. So just stop it now. Next, you will probably look for something or someone in the past to blame your unpleasant state on. Stop that too. Don’t blame, just feel what you feel. It will quit eventually. Stay in reality, and the relative reality may be that you feel uncomfortable. Leave the past and future alone. Does this idea make sense? No, of course not. Your mind would like it to though, wouldn’t it? Stay vigilant and continue the practice. You will eventually have the direct experience, that how you feel is not dependant on the past or the future, and that you can always find a reason to feel how you do. Forget about reasons. Focus on choice. Choose what you want to feel and feel it. Don’t wait for the next moment. Be with what is, and once you are comfortable with that, then choose what is. You are learning to develop control over your states of consciousness, a key skill for any Self-realized person.
- Imagine a person exercising on a treadmill every day. The thoughts that go through the mind as this person slugs through another hour of heart pumping footwork, usually goes something like this, “My dad died of a heart attack. My doctor says I have high cholesterol. I don’t want to die!” All the while, with each step, they are really affirming the fear they want to avoid.
- First meditate and feel the divine Presence; then do your work saturated with the consciousness of God. If you do this you will never become tired. If you work for your Divine Beloved, your life will be filled with love and strength. -Paramahansa Yogananda
- Mahavatar Babaji said, “Few know that the kingdom of heaven extends fully to this physical world.” Yogananda said, “Banish the idea that spiritual and material realities are separate.” I would like to encourage you to do the same. When it is time to meditate, pray, be with your spiritual teacher, or read inspirational literature do so. When it is time to work in the world, meet people, wash your car, tell someone to get out of your way, or buy someone pizza, do so. Know that no matter what you are doing, you are in your right place in the divine drama, and don’t be too attached to the outcome. Hold your vision and your intention and move forward, then let the seeds of grace sprout and grow on their own time.
- These are all direct examples of denying the truth of a situation. The real truth is that you are attached to circumstances that don’t support you, and you don’t have the motivation to make a change. This is understandable. 99% of the planet lives like this. So it’s not really a problem, unless you truly do want to be happy, tranquil and spiritually aware. Sounds a little harsh, yet it is the way it works.
- “I’ve made some choices, that one way or the other led me to experience these negative circumstances. Maybe I know what those choices are and maybe I don’t. And if I don’t, I’m just going to say ‘it must be a past life karma’. But whatever the reason, I’m done with it. I am going to do my utmost best to avoid thoughts, feelings, people and places that rekindle my desire to put myself in a difficult situation. “If I screw up every now and again, fine. I’m still not going to blame the other person. I’m going to reassess what I could have done differently, and do it. “If there is nothing I can do, I’m going to be thankful that at least I was here to bear the brunt of this situation so someone else didn’t Then I’m going to give it up to God, so no one else has to hear about or deal with it.”
- “Unity consciousness does not send flashes of its being into this false variety. The Unity is always there, the reality. Yet the waves of our concept of variety washes over it, and so we only see the Unity, when the waves recede.
- This is one reason why it is important to avoid talking about your realizations with other seekers. It is none of their business and usually when we talk about spiritual experiences, it is only to validate the reality of what we have realized. Your realizations cannot be validated by projecting them into the lives of others. Your realizations are deeply personal.
- Throughout this 12-year process of discipleship, I came to an even greater realization about the guru. The guru is not limited to a single individual. Although, if our mind feels that is necessary, that will be our experience. The guru is in every breath and in every moment if we are consciously able to be aware of it. The guru can express through the voice of a child, through a passage in a book, through an uncomfortable experience, through a moment of silence or in any other manner necessary to quicken our inner work. This was a most liberating yet painful realization to have.

My Reading Notes:
- One of the reasons the rich get richer, the poor get poorer, and the middle class struggles in debt is because the subject of money is taught at home, not in school. Most of us learn about money from our parents. So what can a poor parent tell their child about money? They simply say “Stay in school and study hard.” The child may graduate with excellent grades but with a poor person’s financial programming and mind-set. It was learned while the child was young. Money is not taught in schools. Schools focus on scholastic and professional skills, but not on financial skills. This explains how smart bankers, doctors and accountants who earned excellent grades in school may still struggle financially all of their lives. Our staggering national debt is due in large part to highly educated politicians and government officials making financial decisions with little or no training on the subject of money.
- “Taxes punish those who produce and reward those who don’t produce.” One dad recommended, “Study hard so you can find a good company to work for.” The other recommended, “Study hard so you can find a good company to buy.” One dad said, “The reason I’m not rich is because I have you kids.” The other said, “The reason I must be rich is because I have you kids.” One encouraged talking about money and business at the dinner ,table. The other forbade the subject of money to be discussed over a meal. One said, “When it comes to money, play it safe, don’t take risks.” The other said, “Learn to manage risk.”
- Being a product of two strong dads allowed me the luxury of observing the effects different thoughts have on one’s life. I noticed that people really do shape their life through their thoughts.
- For example, my poor dad always said, “I’ll never be rich.” And that prophesy became reality. My rich dad, on the other hand, always referred to himself as rich. He would say things like, “I’m a rich man, and rich people don’t do this.” Even when he was flat broke after a major financial setback, he continued to refer to himself as a rich man. He would cover himself by saying, “There is a difference between being poor and being broke. – Broke is temporary, and poor is eternal.” My poor dad would also say, “I’m not interested in money,” or “Money doesn’t matter.” My rich dad always said, “Money is power.” The power of our thoughts may never be measured or appreciated, but it became obvious to me as a young boy to be aware of my thoughts and how I expressed myself. I noticed that my poor dad was poor not because of the amount of money he earned, which was significant, but because of his thoughts and actions. As a young boy, having two fathers, I became acutely aware of being careful which thoughts I chose to adopt as my own. Whom should I listen to-my rich dad or my poor dad?
- “Or if you’re the kind of person who has no guts, you just give up every time life pushes you. If you’re that kind of person, you’ll live all your life playing it safe, doing the right things, saving yourself for some event that never happens. Then, you die a boring old man. You’ll have lots of friends who really like you because you were such a nice hard-working guy. You spent a life playing it safe, doing the right things. But the truth is, you let life push you into submission. Deep down you were terrified of taking risks. You really wanted to win, but the fear of losing was greater than the excitement of winning. Deep inside, you and only you will know you didn’t go for it. You chose to play it safe.”
- “If you want to learn to work for money, then stay in school. That is a great place to learn to do that. But if you want to learn how to have money work for you, then I will teach you that. But only if you want to learn.” “Wouldn’t everyone want to learn that” I asked. “No,” said rich dad. “Simply because it’s easier to learn to work for money, especially if fear is your primary emotion when the subject of money is discussed.” “I don’t understand,” I said with a frown. “Don’t worry about that for now. Just know that it’s fear that keeps most people working at a job. The fear of not paying their bills. The fear of being fired. The fear of not having enough money. The fear of starting over. That’s the price of studying to learn a profession or trade, and then working for money. Most people become a slave to money… and then get angry at their boss.”
- “You’re taxed when you earn. You’re taxed when you spend. You’re taxed when you save. You’re taxed when you die.”
- “Most people have a price. And they have a price because of human emotions named fear and greed. First, the fear of being without money motivates us to work hard, and then once we get that paycheck, greed or desire starts us thinking about all the wonderful things money can buy. The pattern is then set.” “What pattern?” I asked. “The pattern of get up, go to work, pay bills, get up, go to work, pay bills… Their lives are then run forever by two emotions, fear and greed. Offer them more money, and they continue the cycle by also increasing their spending. This is what I call the Rat Race.” “There is another way?” Mike asked. “Yes,” said rich dad slowly. “But only a few people find it.” “And what is that way?” Mike asked. “That’s what I hope you boys will find out as you work and study with me. That is why I took away all forms of pay.”
- “Instead, they feel the fear of not having money. Instead of confronting the fear, they react instead of think. They react emotionally instead of using their heads,” rich dad said, tapping us on our heads. “’Then, they get a few bucks in their hands, and again the emotion of joy and desire and greed take over, and again they react, instead of think.” “So their emotions do their thinking,” Mike said. “That’s correct,” said rich dad. “Instead of telling the truth about how they feel, they react to their feeling, fail to think. They feel the fear, they go to work, hoping that money will soothe the fear, but it doesn’t. That old fear haunts them, and they go back to work, hoping again that money will calm their fears, and again it doesn’t. Fear has them in this trap of working, earning money, working, earning money, hoping the fear will go away. But every day they get up, and that old fear wakes up with them. For millions of people, that old fear keeps them awake all night, causing a night of turmoil and worry. So they get up and go to work, hoping that a paycheck will kill that fear gnawing at their soul. Money is running their lives, and they refuse to tell the truth about that. Money is in control of their emotions and hence their souls.”
- “I want you boys to avoid that trap. That is really what I want to teach you. Not just to be rich, because being rich does not solve the problem.” “It doesn’t?” I asked, surprised. “No, it doesn’t. Let me finish the other emotion, which is desire. Some call it greed, but I prefer desire. It is perfectly normal to desire something better, prettier, more fun or exciting. So people also work for money because of desire. They desire money for the joy they think it can buy. But the joy that money brings is often short lived, and they soon need more money for more joy, more pleasure, more comfort, more security. So they keep working, thinking money will soothe their souls that is troubled by fear and desire. But money cannot do that.”
- “In fact, the reason many rich people are rich is not because of desire but because of fear. They actually think that money can eliminate that fear of not having money, of being poor, so they amass tons of it only tofind out the fear gets worse. They now fear losing it. I have friends who keep working even though they have plenty. I know people who have millions who are more afraid now than when they were poor. They’re terrified of losing all their money. The fears that drove them to get rich got worse. That weak and needy part of their soul is actually screaming louder. They don’t want to lose the big houses, the cars, the high life that money has bought them. They worry about what their friends would say if they lost all their money. Many are emotionally desperate and neurotic, although they look rich and have more money.”
- “Don’t worry about what I just said. It will make more sense in years to come. just be an observer, not a reactor, to your emotions. Most people do not know that it’s their emotions that are doing the thinking. Your emotions are your emotions, but you have got to learn to do your own thinking.” “Can you give me an example?” I asked. “Sure,” replied rich dad. “When a person says,
I need to find a job,' it's most likely an emotion doing the thinking. Fear of not having money generates that thought.” “But people do need money if they have bills to pay,” I said. “Sure they do,” smiled rich dad. “All I'm saying is that it's fear that is all too often doing the thinking.” “I don't understand,” said Mike. “For example,” said rich dad. "If the fear of not having enough money arises, instead of immediately running out to get a job so they can earn a few bucks to kill the fear, they instead might ask themselves this question.
Will a job be the best solution to this fear over the long run?’ In my opinion, the answer is `no.’ Especially when you look over a person’s lifetime. A job is really a short-term solution to a long-term problem.” - “I want to teach you to master the power of money. Not be afraid of it. And they don’t teach that in school. If you don’t learn it, you become a slave to money.”
- I want you always to think of the donkey. Never forget, because your two emotions, fear and desire, can lead you into life’s biggest trap, if you’re not aware of them controlling your thinking. To spend your life living in fear, never exploring your dreams, is cruel. To work hard for money, thinking that money will buy you things that will make you happy is also cruel. To wake up in the middle of the night terrified about paying bills is a horrible way to live. To live a life dictated by the size of a paycheck is not really a life. Thinking that a job will make you feel secure is lying to yourself. That’s cruel, and that’s the trap I want you to avoid, if possible. I’ve seen how money runs people’s lives. Don’t let that happen to you. Please don’t let money run your life.”
- “That’s what I will be teaching you. I’ll be teaching you to have a choice of thoughts to consider, rather than knee-jerk reacting, like gulping down your morning coffee and running out the door. “Remember what I said before: A job is only a short-term solution to a long-term problem. Most people have only one problem in mind, and it’s short term. It’s the bills at the end of the month, the Tar Baby. Money now runs their lives. Or should I say the fear and ignorance about money. So they do as their parents did, get up every day and go work for money. Not having the time to say, `Is there another way?’ Their emotions now control their thinking, not their heads.”
- Anyway, rich dad was excited because he had new things he wanted to teach us. He was happy because we had learned our first lesson so well. We had learned to have money work for us. By not getting paid for our work at the store, we were forced to use our imaginations to identify an opportunity to make money. By starting our own business, the comic-book library, we were in control of our own finances, not dependent on an employer. The best part was that our business generated money for us, even when we weren’t physically there. Our money worked for us. Instead of paying us money, rich dad had given us so much more.
- Today we live in times of greater and faster change than these men did. I suspect there will be many booms and busts in the next 25 years that will parallel the ups and downs these men faced. I am concerned that too many people are focused too much on money and not their greatest wealth, which is their education. If people are prepared to be flexible, keep an open mind and learn, they will grow richer and richer through the changes. If they think money will solve problems, I am afraid those people will have a rough ride. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.
- Most people fail to realize that in life, it’s not how much money you make, it’s how much money you keep. We have all heard stories of lottery winners who are poor, then suddenly rich, then poor again. They win millions and are soon back to where they started. Or stories of professional athletes, who, at the age of 24, are earning millions of dollars a year, and are sleeping under a bridge by age 34. In the paper this morning, as I write this, there is a story of a young basketball player who a year ago had millions. Today, he claims his friends, attorney and accountant took his money, and now he works at a car wash for minimum wage.
- Rule One. You must know the difference between an asset and a liability, and buy assets. If you want to be rich, this is all you need to know. It is Rule No. 1. It is the only rule. This may sound absurdly simple, but most people have no idea how profound this rule is. Most people struggle financially because they do not know the difference between an asset and a liability. “Rich people acquire assets. The poor and middle class acquire liabilities, but they think they are assets”
- An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket.
- The story of where the cash is flowing. In 80 percent of most families, the financial story is a story of working hard in an effort to get ahead. Not because they don’t make money. But because they spend their lives buying liabilities instead of assets.
- Because students leave school without financial skills, millions of educated people pursue their profession successfully, but later find themselves struggling financially. They work harder, but don’t get ahead. What is missing from their education is not how to make money, but how to spend money-what to do after you make it. It’s called financial aptitude-what you do with the money once you make it, how to keep people from taking it from you, how long you keep it, and how hard that money works for you. Most people cannot tell why they struggle financially because they don’t understand cash flow. A person can be highly educated, professionally successful and financially illiterate. These people often work harder than they need to because they learned how to work hard, but not how to have their money work for them.
- This is best demonstrated by going back to the young couple. As a result of their incomes going up, they decide to go out and buy the house of their dreams. Once in their house, they have a new tax, called property tax. Then, they buy a new car, new furniture and new appliances to match [heir new house. Ail of a sudden, they wake up and their liabilities column is full of mortgage debt and credit-card debt. They’re now trapped in the rat race. A child comes along. They work harder. The process repeats itself. More money and higher taxes, also called bracket creep, A credit card comes in the mail. They use it. It maxes out. A loan company calls and says their greatest “asset,” their home, has appreciated in value. The company offers a “bill consolidation” loan, because their credit is so good, and tells them the intelligent thing to do is clear off the high-interest consumer debt by paying off their credit card. And besides, interest on their home is a tax deduction. They go for it, and pay off those high-interest credit cards. They breathe a sigh of relief. Their credit cards are paid off. They’ve now folded their consumer debt into their home mortgage. Their payments go down because they extend their debt over 30 years. It is the smart thing to do. Their neighbor calls to invite them to go shopping-the Memorial Day sale is on. A chance to save some money. They say to themselves, “I won’t buy anything. I’ll just go look.” But just in case they find something, they tuck that clean credit card inside their wallet.
- If they used the power of the mirror, they would have asked themselves, “Does this make sense?” All too often, instead of trusting their inner wisdom, that genius inside of them, most people go along with the crowd. They do things because everybody else does it. They conform rather than question. Often, they mindlessly repeat what they have been told. Ideas such as “diversify” or “your home is an asset.” “Your home is your biggest investment.” “You get a tax break for going into greater debt.” “Get a safe job.” “Don’t make mistakes.” “Don’t take risks.”
- “An intelligent person hires people who are more intelligent than they are.”
- The middle class finds itself in a constant state of financial struggle. Their primary- income is through wages, and as their wages increase, so do their taxes. Their expenses tend to increase in equal increments as their wages increase; hence the phrase “the rat race.” They treat their home as their primary asset, instead on investing in income-producing assets.
- Mutual funds are popular because they represent safety. Average mutual fund buyers are too busy working to pay taxes and mortgages, save for their children’s college and pay off credit cards. They do not have time to study to learn how to invest, so they rely on the expertise of the manager of a mutual fund. Also, because the mutual fund includes many different types of investments, they feel their money is safer because ii is “diversified.” This group of educated middle class subscribes to the “diversify” dogma put out by mutual fund brokers and financial planners. Play it safe. Avoid risk. The real tragedy is that the lack of early financial education is what creates the risk faced by average middle class people. The reason they have to play it safe is because their financial positions are tenuous at best. Their balance sheets are not balanced. They are loaded with liabilities, with no real assets that generate income. Typically, their only source of income is their paycheck. Their livelihood becomes entirely dependent on their employer. So when genuine “deals of a lifetime” come along, those same people cannot take advantage of the opportunity. They must play it safe, simply because they are working so hard, are taxed to the max, and are loaded with debt.
- If you do what the masses do, you get the following picture. Income = Work for Owner Expense = Work for Government Asset = (none) Liability = Work for Bank As an employee who is also a homeowner, your working efforts are generally as follows: 1. You work for someone else. Most people, working for a paycheck, are making the owner, or the shareholders richer. Your efforts and success will help provide for the owner’s success and retirement. 2. You work for the government. The government takes its share from your paycheck before you even see it. By working harder, you simply increase the amount of taxes taken by the government – most people work from January to May just for the government. 3. You work for the bank. After taxes, your next largest expense is usually your mortgage and credit card debt. The problem with simply working harder is that each of these three levels takes a greater share of your increased efforts. You need to learn how to have your increased efforts benefit you and your family directly.
- Wealth is a person’s ability to survive so many number of days forward… or if I stopped working today, how long could I survive? Unlike net worth-the difference between your assets and liabilities, which is often filled with a person’s expensive junk and opinions of what things are worth-this definition creates the possibility for developing a truly accurate measurement. I could now measure and really know where I was in terms of my goal to become financially independent.
- Just remember this simple observation: The rich buy assets. The poor only have expenses. The middle class buys liabilities they think are assets. So how do I start minding my own business?
- A problem with school is that you often become what you study. So if you study, say, cooking, you become a chef. If you study the law, you become an attorney, and a study of auto mechanics makes you a mechanic. The mistake in becoming what you study is that too many people forget to mind their own business. They spend their lives minding someone else’s business and making that person rich.
- To become financially secure, a person needs to mind their own business. Your business revolves around your asset column, as opposed to your income column. As stated earlier, the No. 1 rule is to know the difference between an asset and a liability, and to buy assets. The rich focus on their asset columns while everyone else focuses on their income statements. That is why we hear so often: “I need a raise.” “If only I had a promotion.” “I am going to go back to school to get more training so I can get a better job.” “I am going to work overtime.” “Maybe I can get a second job.” “I’m quitting in two weeks. I found a job that pays more.” In some circles, these are sensible ideas. Yet, if you listen to Ray Kroc, you are still not minding your own business. These ideas all still focus on the income column and will only help a person become more financially secure if the additional money is used to purchase income-generating assets.
- A true luxury is a reward for investing in and developing a real asset. For example, when my wife and I had extra money coming from our apartment houses, she went out and bought her Mercedes. It did not take any extra work or risk on her part because the apartment house bought the car. She did, however, have to wait for it for four years while the real estate investment portfolio grew and finally began throwing off enough extra cash flow to pay for the car. But the luxury, the Mercedes, was a true reward because she had proved she knew how to grow her asset column. That car now means a lot more to her than simply another pretty car. It means she used her financial intelligence to afford it. What most people do is they impulsively go out and buy a new car, or some other luxury, on credit. They may feel bored and just want a new toy. Buying a luxury on credit often causes a person to sooner or later actually resent that luxury because the debt on the luxury becomes a financial burden.
- By using the lessons I learned from my rich dad, I was able to get out of the “proverbial rat race” of being an employee at an early age. It was made possible because of the strong financial knowledge I had acquired through these lessons. Without this financial knowledge, which I call financial IQ, my road to financial independence would have been much more difficult. I now teach others through financial seminars in the hope that I may share my knowledge with them. Whenever I do my talks, I remind people that financial IQ is made up of knowledge from four broad areas of expertise. No. 1 is accounting. What I call financial literacy. A vital skill if you want to build an empire. The more money you are responsible for, the more accuracy is required, or the house comes tumbling down. This is the left brain side, or the details. Financial literacy is the ability to read and understand financial statements. This ability allows you to identify the strengths and weaknesses of any business. No. 2 is investing. What I call the science of money making money. This involves strategies and formulas. This is the right brain side, or the creative side. No. 3 is understanding markets. The science of supply and demand. There is a need to know the “technical” aspects of the market, which is emotion driven; the Tickle Me Elmo doll during Christmas 1996 is a case of a technical or emotion-driven market. The other market factor is the “fundamental” or the economic sense of an investment. Does an investment make sense or does it not make sense based on the current market conditions. Many people think the concepts of investing and understanding the market are too complex for kids. They fail to see that kids know those subjects intuitively. For those not familiar with the Elmo doll, it was a Sesame Street character that was highly touted to the kids just before Christmas. Most all kids wanted one, and put it at the top of their Christmas list. Many parents wondered if the company intentionally held the product off the market, while continuing to advertise it for Christmas. A panic set in due to high demand and lack of supply. Having no dolls to buy in the stores, scalpers saw an opportunity to make a small fortune from desperate parents. The unlucky parents who did not find a doll were forced to buy another toy for Christmas. The incredible popularity of the Tickle Me Elmo doll made no sense to me, but it serves as an excellent example of supply and demand economics. The same thing goes on in the stock, bond, real estate and baseball-card markets. No. 4 is the law. For instance, utilizing a corporation wrapped around the technical skills of accounting, investing and markets can aid explosive growth. An individual with the knowledge of the tax advantages and protection provided by a corporation can get rich so much faster than someone who is an employee or a small-business sole proprietor. It’s like the difference between someone walking and someone flying. The difference is profound when it comes to long-term wealth. 1. Tax advantages: A corporation can do so many things that an individual cannot. Like pay for expenses before it pays taxes. That is a whole area of expertise that is so exciting, but not necessary to get into unless you have sizable assets or a business. Employees earn and get taxed and they try to live on what is left. A corporation earns, spends everything it can, and is taxed on anything that is left. It’s one of the biggest legal tax loopholes that the rich use. They’re easy to set up and are not expensive if you own investments that are producing good cash flow. For example; by owning your own corporation – vacations are board meetings in Hawaii. Car payments, insurance, repairs are company expenses. Health club membership is a company expense. Most restaurant meals are partial expenses. And on and on – but do it legally with pre-tax dollars. 2. Protection from lawsuits. We live in a litigious society. Everybody wants a piece of your action. The rich hide much of their wealth using vehicles such as corporations and trusts to protect their assets from creditors. When someone sues a wealthy individual they are often met with layers of legal protection, and often find that the wealthy person actually owns nothing. They control everything, but own nothing. The poor and middle class try to own everything and lose it to the government or to fellow citizens who like to sue the rich. They learned it from the Robin Hood story. Take from the rich, give to the poor. It is not the purpose of this book to go into the specifics of owning a corporation. But I will say that if you own any kind of legitimate assets, I would consider finding out more about the benefits and protection offered by a corporation as soon as possible. There are many books written on the subject that will detail the benefits and even walk you through the steps necessary to set up a corporation. One book in particular, Inc. and Grow Rich provides a wonderful insight into the power of personal corporations. Financial IQ is actually the synergy of many skills and talents. But I would say it is the combination of the four technical skills listed above that make up basic financial intelligence. If you aspire to great wealth, it is the combination of these skills that will greatly amplify an individual’s financial intelligence. In summary 1. Spend 2. Pay Taxes 2. Pay Taxes 3. Spend As part of your overall financial strategy, we strongly recommend owning your own corporation wrapped around your assets.
- In my personal experience, your financial genius requires both technical knowledge as well as courage. If fear is too strong, the genius is suppressed. In my classes I strongly urge students to learn to take • risks, to be bold, to let their genius convert that fear into power and brilliance. It works for some and just terrifies others. I have come to realize that for most people, when it comes to the subject of money, they would rather play it safe. I have had to field questions such as: Why take risks? Why should I bother developing my financial IQ? Why should I become financially literate? And I answer, “Just to have more options.” There are huge changes up head. Just as I started with the story of the young inventor Alexander Graham Bell, in the coming years there will be more people just like him. There will be a hundred people like Bill Gates and hugely successful companies like Microsoft created every year, all over the world. And there also will be many more bankruptcies, layoffs and downsizing. So why bother developing your financial IQ? No one can answer that but you. Yet, I can tell you why I myself do it. I do it because it is the most exciting time to be alive. I’d rather be welcoming change than dreading change. I’d rather be excited about making millions than worrying about not getting a raise. This period we are in now is a most exciting time, unprecedented in our world’s history. Generations from now, people will look back at this period of time and remark at what an exciting era it must have been. It was the death of the old and birth of the new. It was full of turmoil and it was exciting.
- Today, I find so many people struggling, often working harder, simply because they cling to old ideas. They want things to be the way they were; they resist change. I know people who are losing their jobs or their houses, and they blame technology or the economy or their boss. Sadly they fail to realize that they might be the problem. Old ideas are their biggest liability. It is a liability simply because they fail to realize that while that idea or way of doing something was an asset yesterday, yesterday is gone.
- The world is filled with smart, talented, educated and gifted people. We meet them every day. They are all around us. A few days ago, my car was not running well. I pulled into a garage, and the young mechanic had it fixed in just a few minutes. He knew what was wrong by simply listening to the engine. I was amazed. The sad truth is, great talent is not enough. I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than $100,000 a year. I have met brilliant, highly educated people who earn less than $20,000 a year. A business consultant who specializes in the medical trade was telling me how many doctors, dentists and chiropractors struggle financially. All this time, I thought that when they graduated, the dollars would pour in. It was this business consultant who gave me the phrase, “They are one skill away from great wealth.” What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially. I have mentioned before that financial intelligence is a synergy of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money, the only skill most people know is to work hard.
- When I quit my high-paying job with Standard Oil, my educated dad had a heart-to-heart with me. He was bewildered. He could not understand my decision to resign from a career that offered high pay, great benefits, lots of time off, and opportunity for promotion. When he asked me one evening, “Why did you quit?” I could not explain it to him, as much as I tried. My logic did not fit his logic. The big problem was that my logic was my rich dad’s logic. Job security meant everything to my educated dad. Learning meant everything to my rich dad.
- Once people are trapped in the lifelong process of bill paying, they 1 become like those little hamsters running around in those little metal wheels. Their little furry legs are spinning furiously, the wheel is turning furiously, but come tomorrow morning, they’ll still be in the same cage: great job. In the movie Jerry Maguire, starring Tom Cruise, there are many great one liners. Probably the most memorable is “Show me the money.” But there is one line I thought most truthful. It comes from the scene where Tom Cruise is leaving the firm. He has just been fired, and he is asking the entire company “Who wants to come with me?” And the whole place is silent and frozen. Only one woman speaks up and says, “I’d like to but I’m due for a promotion in three months.” That statement is probably the most truthful statement in the whole movie. It is the type of statement that people use to keep themselves busy working away to pay bills. I know my educated dad looked forward to his pay raise every year, and every year he was disappointed. So he would go back to school to earn more qualifications so he could get another raise, but again, it would be another disappointment.
- When I speak to adults who want to earn more money, I always recommend the same thing. I suggest taking a long view of their life. Instead of simply working for the money and security, which I admit are important, I suggest they take a second job that will teach them a second skill. Often I recommend joining a network marketing company, also called multilevel marketing, if they want to learn sales skills. Some of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people /j are unsuccessful. Education is more valuable than money, in the long run. When I offer this suggestion, I often hear in response, “Oh that is too much hassle,” or “I only want to do what I am interested in.” To the statement of “It’s too much of a hassle,” I ask, “So you would ; rather work all your life giving 50 percent of what you earn to the government’” To the other statement-“I only do what I am interested in”-I say, “I’m not interested in going to the gym, but I go because I want to feel better and live longer.”
- When I ask the classes I teach, “How many of you can cook a better hamburger than McDonald’s?” almost all the students raise their hands. I then ask, “So if most of you can cook a better hamburger, how come McDonald’s makes more money than you?” The answer is obvious: McDonald’s is excellent at business systems. The reason so many talented people are poor is because they focus on building a better hamburger and know little to nothing about business systems.
- The main management skills needed for success are: 1. The management of cash flow 2. The management of systems (including yourself and time with family). 3. The management of people. The most important specialized skills are sales and understanding marketing. It is the ability to sell–therefore, to communicate to another human being, be it a customer, employee, boss, spouse or child-that is the base skill of personal success. It is communication skills such as writing, speaking and negotiating that are crucial to a life of success. It is a skill that I work on constantly, attending courses or buying educational tapes to expand my knowledge.
- Rich dad encouraged Mike and me to know a little about a lot. He encouraged us to work with people smarter than we were and to bring smart people together to work as a team. Today it would be called a synergy of professional specialties.
- To be truly rich, we need to be able to give as well as to receive. In cases of financial or professional struggle, there is often a lack of giving and receiving.
- Both of my dads were generous men. Both made it a practice to give first. Teaching was one of their ways of giving. The more they gave, the more they received. One glaring difference was in the giving of money. My rich dad gave lots of money away. He gave to his church, to charities, to his foundation. He knew that to receive money, you had to give money. Giving money is the secret to most great wealthy families. That is why there are organizations like the Rockefeller Foundation and the Ford Foundation. These are organizations designed to take their wealth and increase it, as well as give it away in perpetuity. My educated dad always said, “When I have some extra money, I’ll give it.” The problem was, there was never any extra. So he worked harder to draw more money in rather than focus on the most important law of money: “Give and you shall receive.” Instead, he believed in “Receive and then you give.”
- Failure inspires winners. And failure defeats losers. It is the biggest secret of winners. It’s the secret that losers do not know. The greatest secret of winners is that failure inspires winning; thus, they’re not afraid of losing. Repeating Fran Tarkenton’s quote, “Winning means being unafraid to lose.” People like Fran Tarkenton are not afraid of losing because they know who they are. They hate losing, so they know that losing will only inspire them to become better. There is a big difference between hating losing and being afraid to lose. Most people are so afraid of losing money that they lose. They go broke over a duplex. Financially they play life too safe and too small. They buy big houses and big cars, but not big investments. The main reason that over 90 percent of the American public struggles financially is because they play not to lose. They don’t play to win.
- They go to their financial planners or accountants or stockbrokers and buy a balanced portfolio. Most have lots of cash in CDs, low-yield bonds, mutual funds that can be traded within a mutual-fund family, and a few individual stocks. It is a safe and sensible portfolio. But it is not a winning portfolio. It is a portfolio of someone playing not to lose. Don’t get me wrong. It’s probably a better portfolio than more than 70 percent of the population, and that’s frightening. Because a safe portfolio is a lot better than no portfolio. It’s a great portfolio for someone who loves safely. But playing it safe and going “balanced” on your investment portfolio is not the way successful investors play the game. If you have little money and you want to be rich, you must first be “focused,” not “balanced.” If you look at anyone successful, at the start they were not balanced. Balanced people go nowhere. They stay in one spot. To make progress, you must first go unbalanced. Just look at how you make progress walking.
- If you hate losing, play it safe. If losing makes you weak, play it safe. Go with balanced investments. If you’re over 25 years old and are terrified of taking risks, don’t change. Play it safe, but start early. Start accumulating your nest egg early because it will take time. But if you have dreams of freedom-of getting out of the rat race- the first question to ask yourself is, “How do I respond to failure?” If failure inspires you to win, maybe you should go for it-but only maybe. If failure makes you weak or causes you to throw temper tantrums-like spoiled brats who call an attorney to file a lawsuit every time something does not go their way-then play it safe. Keep your daytime job. Or buy bonds or mutual funds. But remember, there is risk in those financial instruments also, even though they are safer.
- All of us have doubts. “I’m not smart.” “I’m not good enough.” “So ‘$ and so is better than me.” Or our doubts often paralyze us. We play the. | “What if?” game. “What if the economy crashes right after I invest?” Or “What if I lose control and I can’t pay the money back?” “What if things don’t go as I planned?” Or we have friends or loved ones who will remind us of our shortcomings regardless of whether we ask. They often say, “What makes you think you can do that?” Or “If it’s such a good idea, how come someone else hasn’t done it?” Or “That will never work. You don’t know what you’re talking about.” These words of doubt often get so loud that we fail to act. A horrible feeling builds in our stomach. Sometimes we can’t sleep. We fail to move forward. So we stay with what is safe and opportunities pass us by.
- In another example, I hold a small portion of my assets in tax lien certificates instead of CDs. I earn 16 percent per year on my money, which certainly beats the 5 percent the bank offers. The certificates are secured by real estate and enforced by state law, which is also better than most banks. The formula they’re bought on makes them safe. They just lack liquidity. So I look at them as 2 to 7-year CDs. Almost every time I tell someone, especially if they have money in CDs, that I hold my money this way, they will tell me it’s risky. They tell me why I should not do it. When I ask them where they get their information, they say from a friend or an investment magazine. They’ve never done it, and they’re telling someone who’s doing it why they shouldn’t. The lowest I yield I look for is 16 percent, but people who are filled with doubt are willing to accept 5 percent. Doubt is expensive.
- “Cynics never win,” said rich dad. “Unchecked doubt and fear creates i a cynic. Cynics criticize, and winners analyze” was another of his favorite sayings. Rich dad explained that criticism blinded while analysis opened -< eyes. Analysis allowed winners to see that critics were blind, and to see opportunities that everyone else missed. And finding what people miss is | key to any success.
- Instead of analyzing, their little chicken closes their mind. If most people understood how a “stop” worked in stock-market investing, there would be more people -investing to win instead of investing not to lose. A “stop” is simply a computer command that sells your stock automatically if the price begins to drop, helping to minimize your losses and maximize some gains. It’s a great tool for those who are terrified of losing. So whenever I hear people focusing on their “I don’t wants,” rather than what they do want, I know the “noise” in their head must be loud. Chicken Little has taken over their brain and is yelling, “The sky is falling and toilets are breaking.” So they avoid their “don’t wants,” but they pay a huge price. They may never get what they want in life.
- When I decided to exit the rat race, it was simply a question. “How can I afford to never work again?” And my mind began to kick out answers and solutions. The hardest part was fighting my real parents’ dogma of “We can’t afford that.” Or “Stop thinking only about yourself.” Or “Why don’t you think about others?” and other such words designed to instill guilt to suppress my greed.
- “What I know makes me money. What I don’t know loses me money. Every time I have been arrogant, I have lost money. Because when I’m arrogant, I truly believe that what I don’t know is not important,” rich dad would often tell me.
- Most people choose not to be rich. For 90 percent of the population, being rich is “too much of a hassle.” So they invent sayings that go, “I’m not interested in money.” Or “I’ll never be rich.” Or “I don’t have to worry, I’m still young.” Or “When I make some money, then I’ll think about my future.” Or “My husband/wife handles the finances.” The problem with those statements is they rob the person who chooses to think such thoughts of two things: one is time, which is your most precious asset, and two is learning. Just because you have no money, should not be an excuse to not learn. But that is a choice we all make daily, the choice of what we do with our time, our money and what we put in our heads. That is the power of choice. All of us have choice. I just choose to be rich, and I make that choice every day.
- I often say, “How would Peter Lynch do this, or Donald Trump or Warren Buffett or George Soros?” The only way I can access their vast mental power is to be humble enough to read or listen to what they have to say. Arrogant or critical people are often people with low self-esteem who are afraid of taking risks. You see, if you learn something new, you are then required to make mistakes in order to fully understand what you have learned. If you have read this far, arrogance is not one of your problems. Arrogant people rarely read or buy tapes. Why should they? They are the center of the universe.
- CHOOSE FRIENDS CAREFULLY: The power of association. First of all, I do not choose my friends by their financial statements. I have friends who have actually taken the vow of poverty as well as friends who earn millions every year. The point is I learn from all of them, and I consciously make the effort to learn from them.
- A WARNING: Don’t listen to poor or frightened people. I have such friends, and I love them dearly, but they are the “Chicken Littles” of life. When it comes to money, especially investments, “The sky is always falling.” They can always tell you why something won’t work. The problem is, people listen to them, but people who blindly accept doom-and-gloom information are also “Chicken Littles.” As that old saying goes, “Chickens of a feather agree together.”
- I have had more close friends try to talk me out of a deal or an investment. A few years ago, a friend told me he was excited because he found a 6 percent certificate of deposit. I told him I earn 16 percent from the state government. The next day he sent me an article about why my investment was dangerous. I have received 16 percent for years now, and he still receives 6 percent. I would say that one of the hardest things about wealth building is to be true to yourself and be willing to not go along with the crowd. For in the market, it is usually the crowd that shows up late and is slaughtered. If a great deal is on the front page, it’s too late in most instances. Look for a new deal. As we used to say as surfers: “There is always another wave.” People who hurry and catch a wave late usually are the ones who wipe out.
- MASTER A FORMULA AND THEN LEARN A NEW ONE: The power of learning quickly. In order to make bread, every baker follows a recipe, even if it’s only held in their head. The same is true for making money. That’s why money is often called “dough.”
- Another side note. In today’s fast-changing world, it’s not so much what you know anymore that counts, because often what you know is old. It is how fast you learn. That skill is priceless. It’s priceless in finding faster formulas-recipes, if you will, for making dough. Working hard for money is an old formula born in the day of cave men.
- In the entrepreneur classes I teach, I constantly remind people to not focus on their product, service or widget, but to focus on developing management skills. The three most important management skills necessary to start your own business are: 1. Management of cash flow. 2. Management of people. 3. Management of personal time. I would say, the skills to manage these three apply to anything, not just entrepreneurs. The three matter in the way you live your life as an individual, or as part of a family, a business, a charitable organization, a city or a nation. Each of these skills is enhanced by the mastery of self discipline.
- I am not saying be irresponsible. The reason I don’t have high credit card debt, and doodad debt, is because I want to pay myself first. The reason I minimize my income is because I don’t want to pay it to the government. That is why, for those of you who have watched the video The Secrets of the Rich, my income comes from my asset column, through a Nevada corporation. If I work for money, the government takes it.
- So the answer is: 1. Don’t get into large debt positions that you have to pay for. Keep your expenses low. Build up assets first. Then, buy the big house or nice car. Being stuck in the rat race is not intelligent. 2. When you come up short, let the pressure build and don’t dip into your savings or investments. Use the pressure to inspire your financial genius to come up with new ways of making more money and then pay your bills. You will have increased your ability to make more money as well as your financial intelligence. ; : So many times I have gotten into financial hot water, and used my brain to create more income, while staunchly defending the assets in my asset column. My bookkeeper has screamed and dived for cover, but I was like a good trooper defending the fort, Fort Assets.
- If you do not like financial pressure, then find a formula that works for you. A good one is to cut expenses, put your money in the bank, pay more than your fair share of income tax, buy safe mutual funds and take the vow of the average. But this violates the “pay yourself first” rule.
- PAY YOUR BROKERS WELL: The power of good advice. I often see people posting a sign in front of their house that says, “For Sale by Owner.” Or I see on TV today many people claiming to be “Discount Brokers.” My rich dad taught me to take the opposite tack. He believed in paying professionals well, and I have adopted that policy also. Today, I have expensive attorneys, accountants, real estate brokers and stockbrokers. Why? Because if, and I do mean if, the people are professionals, their services should make you money. And the more money they make, the more money I make. We live in the Information Age. Information is priceless. A good broker should provide you with information as well as take the time to educate you. I have several brokers who are willing to do that for me. Some taught me when I had little or no money, and I am still with them today. What I pay a broker is tiny in comparison with what kind of money I can make because of the information they provide. I love it when my real estate broker or stockbroker makes a lot of money. Because it usually means I made a lot of money. A good broker saves me time in addition to making me money-as when I bought the piece of vacant land for $9,000 and sold it immediately for over $25,000, so I could buy my Porsche quicker. A broker is your eyes and ears to the market. They’re there every day so I do not have to be. I’d rather play golf. Also, people who sell their house on their own must not value their time much. Why would I want to save a few bucks when I could use that time to make more money or spend it with those I love? What I find funny is that so many poor and middle class people insist on tipping restaurant help 15 to 20 percent even for bad service and complain about paying a broker 3 to 7 percent. They enjoy tipping people in the expense column and stiffing people in the asset column. That is not financially intelligent.
- When I interview any paid professional, I first find out how much property or stocks they personally own and what percentage they pay in taxes. And that applies to my tax attorney as well as my accountant. I have an accountant who minds her own business. Her profession is accounting, but her business is real estate. I used to have an accountant that was a small business accountant, but he had no real estate. I switched because we did not love the same business. Find a broker who has your best interests at heart. Many brokers will .’; spend the time educating you, and they could be the best asset you find. Just be fair, and most of them will be fair to you. If all you can think about is cutting their commissions, then why should they want to be around you? It’s just simple logic.
- In the world of the “asset column,” being an Indian giver is vital to wealth. The sophisticated investor’s first question is, “How fast do I get my money back?” They also want to know what they get for free, also called a piece of the action. That is why the ROI, or return of and on investment, is so important. For example, I found a small condominium, a few blocks from where I live, that was in foreclosure. The bank wanted $60,000, and I submitted a bid for $50,000, which they took, simply because, along with my bid, was a cashier’s check for $50,000. They realized I was serious. Most investors would say, aren’t you tying up a lot of cash? Would it not be better to get a loan on it? The answer is, not in this case. My investment company uses this as a vacation rental in the winter months, when the “snowbirds” come to Arizona, and rent it for $2,500 a month for four months out of the year. For rental during the off?season, it rents for only $1,000 a month. I had my money back in about three years. Now I own this asset, which pumps money out for me, month in and month out.
- On every one of my investments, there must be an upside, something for free. A condominium, a mini-storage, a piece of free land, a house, stock shares, office building. And there must be limited risk, or a low-risk idea. There are books devoted entirely to this subject that I will not get into here. Ray Kroc, of McDonald’s fame, sold hamburger franchises, not because he loved hamburgers, but because he wanted the real estate ; under the franchise for free. So wise investors must look at more than ROI; it’s the assets you get for free once you get your money back. That is financial intelligence.
- We go to school to learn a profession so we can work for money. It is my opinion that it is also important to learn how to have money work for you. I love my luxuries as much as anyone else. The difference is, some people buy their luxuries on credit. It’s the keep-up-with-the-Joneses trap. When I wanted to buy a Porsche, the easy road would have been to call my banker and get a loan. Instead of choosing to focus in the liability column, I chose to focus in the asset column. As a habit, I used my desire to consume to inspire and motivate my financial genius to invest. Too often today, we focus to borrowing money to get the things we want instead of focusing on creating money. One is easier in the short term, but harder in the long term. It’s a bad habit that we as individuals and as a nation have gotten into. Remember, the easy road often becomes hard, and the hard road often becomes easy. The earlier you can train yourself and those you love to be masters of money, the better. Money is a powerful force. Unfortunately, people use the power of money against them. If your financial intelligence is low, money will run all over you. It will be smarter than you. If money is smarter than you, you will work for it all your life. To be the master of money, you need to be smarter than it. Then money will do as it is told. It will obey you. Instead of being a slave to it, you will be the master of it. That is financial intelligence.
- Just as I was not me when I was up to bat, when I’m in the market or I’m negotiating a deal, I am subconsciously acting with the bravado of Trump. Or when analyzing a trend, I look at it as though Peter Lynch were doing it. By having heroes, we tap into a tremendous source of raw genius. But heroes do more than simply inspire us. Heroes make things look easy. It’s the making it look easy that convinces us to want to be just like them. “If they can do it, so can I.” When it comes to investing, too many people make it sound hard. Instead find heroes who make it look easy.
- My rich dad would often say, “Poor people are more greedy than rich people.” He would explain that if a person was rich, that person was providing something that other people wanted. In my life, over all these ; years, whenever I have felt needy or short of money or short of help, I simply went out or found in my heart what I wanted, and decided to give it first. And when I gave, it always came back.
- My dad taught teachers, and he became a master teacher. My rich dad always taught young people his way of doing business. In retrospect, it was their generosity with what they knew that made them smarter. There are powers in this world that are much smarter than we are. You can get there on your own, but it’s easier with the help of the powers that be. All you need to be is generous with what you have, and the powers will be generous with you.
- Stop doing what you’re doing. In other words, take a break and assess what is working and what is not working. The definition of insanity is doing the same thing and expecting a different result. Stop doing what is not working and look for something new to do.
- Look for new ideas. For new investing ideas, I go to bookstores and look for books on different and unique subjects. I call them formulas. I buy how-to books on a formula I know nothing about. For example, it was in the bookstore that I found the book The 16 Percent Solution, by Joel Moskowitz. I bought the book and read it.
- Find someone who has done what you want to do. Take them to lunch. Ask them for tips, for little tricks of the trade.
- Take classes and buy tapes. I search the newspapers for new and interesting classes. Many are for free or a small fee. I also attend and pay for expensive seminars on what I want to learn. I am wealthy and free from needing a job simply because of the courses I took. I have friends who did not take those classes who told me I was wasting my money, and yet they’re still at the same job.
- Make lots of offers. When I want a piece of real estate, I look at many properties and generally write an offer. If you don’t know what the “right offer” is, neither do I. That is ‘the job of the real estate agent. They make the offers. I do as little work as possible.
- Moral of the story: Make offers. People who are not investors have no idea what it feels like to be trying to sell something. I have had a piece of real estate that I wanted to sell for months. I would have welcomed anything. I would not care how low the price. They could have offered me ten pigs and I would have been happy. Not at the offer, but just because someone was interested. I would have countered, maybe for a pig farm in exchange. But that’s how the game works. The game of buying and selling is fun. Keep that in mind. It’s fun and only a game. Make offers. Someone might say “yes.”
- Finding a good deal, the right business, the right people, the right investors, or whatever is just like dating. You must go to the market and talk to a lot of people, make a lot of offers, counteroffers, negotiate, reject and accept. I know single people who sit at home and wait for the phone to ring, but unless you’re Cindy Crawford or Tom Cruise, I think you’d best go to the market, even if it’s only the supermarket. Search, offer, reject, negotiate and accept are all parts of the process of almost everything in life. • Jog, walk or drive a certain area once a month for ten minutes. I have found some of my best real estate investments while jogging. I will jog a certain neighborhood for a year. What I look for is change. For there to be profit in a deal, there must be two elements: a bargain and change. There are lots of bargains, but it’s change that turns a bargain into a profitable opportunity. So when I jog, I jog a neighborhood I might like to invest in. It is the repetition that causes me to notice slight differences. I notice real estate signs that are up for a long time. That means the seller might be more agreeable to deal. I watch for moving trucks, going in or out. I stop and talk to the drivers. I talk to the postal carriers. It’s amazing how much information they acquire about an area.
- Look in the right places. A neighbor bought a condominium for $100,000. I bought the identical condo next door to his for $50,000. He told me he’s waiting for the price to go up. I told him that his profit is made when you buy, not when you sell. He shopped with a real estate broker who owns no property of her own. I shopped at the foreclosure department of a bank. I paid $500 for a class on how to do this. My neighbor thought that the $500 for a real estate investment class was too expensive. He said he could not afford it, and he couldn’t afford the time. So he waits for the price to go up.
- I look for people who want to buy first, then I look for someone who wants to sell. A friend was looking for a certain piece of land. He had the money and did not have the time. I found a large piece of land larger than what my friend wanted to buy, tied it up with an option, called my friend and he wanted a piece of it. So I sold the piece to him and then bought the land. I kept the remaining land as mine for free. Moral of the story: Buy the pie and cut it in pieces. Most people look for what they can afford, so they look too small. They buy only a piece of the pie, so they end up paying more for less. Small thinkers don’t get the big breaks. If you want to get richer, think bigger first.
- Retailers love giving volume discounts, simply because most business people love big spenders. So even if you’re small, you can always think big. When my company was in the market for computers, I called several friends and asked them if they were ready to buy also. We then went to different dealers and negotiated a great deal because we wanted to buy so many. I have done the same with stocks. Small people remain small because they think small; act alone, or don’t act all.
- Action always beats inaction. These are just a few of the things I have done and continue to do to recognize opportunities. The important words being “done” and “do”. As repeated many times throughout the book, you must take action before you can receive the financial rewards. Act now!
- Money is only an idea. If you want more money simply change your thinking. Every self-made person started small with an idea, then turned it into something big. The same applies with investing. It takes only a few dollars to start and grow it into something big. I meet so many people who spend their lives chasing the big deal, or trying to mass a lot of money to get into a big deal, but to me that is foolish.
- Education and wisdom about money are important. Start early. Buy a book. Go to a seminar. Practice. Start small. I turned $5,000 cash into a $1 million dollar asset producing $5,000 a month cash flow in less than six years. But I started learning as a kid. I encourage you to learn because it’s not that hard. In fact, it’s kind of easy once you get the hang of it.
- Today, don’t play it safe, play it smart.
- Over 40 years ago, the most important thing my rich dad did for me was spark my curiosity on this subject of investing. My curiosity was aroused when I realized that my best friend’s dad, a man who made less money than my real dad, at least when comparing paycheck to paycheck, could afford to acquire investments that only rich people could afford. I realized that my rich dad had a power my real dad did not have, and I wanted to have that power also.
- I realized that my rich dad had a thinking pattern that was almost exactly opposite and often contradicted the thinking of my real dad. I realized that I needed to understand the thinking pattern of my rich dad if I wanted to have the same financial power he had. I knew that if I thought like him, I would be rich forever. I also knew that if I did not think like him, I would never really be rich, regardless of how much money I had. Rich dad had just invested in one of the most expensive pieces of land in our town, and he had no money. I realized that wealth was a way of thinking and not a dollar amount in the bank. It is this thinking pattern of rich investors that I want to deliver to you in this book.
- Some time ago, I was teaching a three-day investment course in Sydney, Australia. The first day and a half I discussed the ins and outs of building a business. Finally, in frustration, a participant raised his hand and said, “I came to learn about investing. Why are you spending so much time on business?” My reply was, “There are two reasons. Reason number one is that what we ultimately invest in is a business. If you invest in stocks, you are investing in a business. If you buy a piece of real estate, such as an apartment building, that building is also a business. If you buy a bond, you are also investing in a business. In order to be a good investor, you first need to be good at business. Reason number two is that the best way to invest is to have your business buy your investments for you. The worst way to invest is to invest as an individual. The average investor knows very little about business and often invests as an individual. That is why I spend so much time on the subject of business in an investment course.”
- A true investor makes money regardless of whether the market is going up or crashing down. They make money regardless of whether they are winning or losing. The average investor does not know how to do that, and that is why most investors are average investors who fall into the 90 percent that make only 10 percent of the money.
- “A sophisticated investor knows the three E’s,” said rich dad. “The three E’s,” I repeated. “What are the three E’s?” Rich dad then turned over the private placement memorandum we were looking at and wrote the following on the back of one of the pages. • Education • Experience • Excess cash “Those are the three E’s,” he said, looking up from the page. “Achieve those three items and you will be a sophisticated investor.” Looking at the three items, I said, “So the movie star had excess cash, but he lacked the first two items.” Rich dad nodded. “And there are many people with the right education, but they lack the experience. And without real-life experience, they often lack the excess cash.” “People like that often say, ‘I know,’ when you explain things to them, but they do not do what they know,” added Mike. “Our banker always says, ‘I know,’ to what dad and I do, but for some reason, he does not do what he claims he knows.” “And that is why your banker lacks the excess cash,” I said.
- The idea of job protection for life and job benefits seemed more important, at times, than the job. He would often say, “I’ve worked hard for the government, and I’m entitled to these benefits.” The other believed in total financial self-reliance. He spoke out against the “entitlement” mentality and how it was creating weak and financially needy people.
- One dad taught me how to write an impressive resume so I could find a good job. The other taught me how to write strong business and financial plans so I could create jobs. Being a product of two strong dads allowed me the luxury of observing the effects different thoughts have on one’s life. I noticed that people really do shape their life through their thoughts. For example, my poor dad always said, “I’ll never be rich.” And that prophesy became reality. My rich dad, on the other hand, always referred to himself as rich. He would say things like, “I’m a rich man, and rich people don’t do this.” Even when he was flat broke after a major financial setback, he continued to refer to himself as a rich man. He would cover himself by saying, “There is a difference between being poor and being broke. – Broke is temporary, and poor is eternal.” My poor dad would also say, “I’m not interested in money,” or “Money doesn’t matter.” My rich dad always said, “Money is power.” The power of our thoughts may never be measured or appreciated, but it became obvious to me as a young boy to be aware of my thoughts and how I expressed myself. I noticed that my poor dad was poor not because of the amount of money he earned, which was significant, but because of his thoughts and actions. As a young boy, having two fathers, I became acutely aware of being careful which thoughts I chose to adopt as my own. Whom should I listen to-my rich dad or my poor dad?
- Most of the time, life does not talk to you. It just sort of pushes you around. Each push is life saying, `Wake up. There’s something I want you to learn.’ ”
- “I want you boys to avoid that trap. That is really what I want to teach you. Not just to be rich, because being rich does not solve the problem.” “It doesn’t?” I asked, surprised. “No, it doesn’t. Let me finish the other emotion, which is desire. Some call it greed, but I prefer desire. It is perfectly normal to desire something better, prettier, more fun or exciting. So people also work for money because of desire. They desire money for the joy they think it can buy. But the joy that money brings is often short lived, and they soon need more money for more joy, more pleasure, more comfort, more security. So they keep working, thinking money will soothe their souls that is troubled by fear and desire. But money cannot do that.”
- It took me 20 years to achieve what I thought I should have been able to do in 10 years. There is some truth to the saying, “It’s the first million that is the hardest.” In retrospect, making $1 million was not that difficult. It’s keeping the million and having it work hard for you that I found to be difficult. Nevertheless, I was able to retire in 1994 at the age of 47, financially free and with ample money to enjoy life.
- The following is a list of some of the investments in which so-called accredited investors and sophisticated investors invest: • Private placements • Real estate syndication and limited partnerships • Pre-initial public offerings (IPOs) • IPOs (while available to all investors, IPOs are not usually easily accessible) • Sub-prime financing • Mergers and acquisitions • Loans for start-ups • Hedge funds For the average investor, these investments are too risky, not because the investment itself is necessarily risky, but because all too often, the average investor lacks sufficient education, experience, and excess capital to handle the exigencies of the investment. I now tend to side with the SEC and agree that it is better to protect unqualified investors by restricting their access to these types of investments. This is because I made some errors and false steps along the way and know that others may do the same.
- Rich dad broke my development program into five distinct phases, which I have organized into phases, lessons, and chapters. The phases are: 1. Are you mentally prepared to be an investor? 2. What type of investor do you want to become? 3. How do you build a strong business? 4. Who is a sophisticated investor? 5. Giving it back
- Rich dad often said, “Money will be anything you want it to be.” What he meant was that money comes from our minds, our thoughts. If a person says, “Money is hard to get,” it will probably be hard to get. If a person says, “Oh, I’ll never be rich,” or “It’s really hard to get rich,” it will probably be true for that person. If a person says, “The only way to get rich is to work hard,” then that person will probably work hard. If the person says, “If I had a lot of money, I would put it in the bank because I wouldn’t know what to do with it,” then it will probably happen just that way. You’d be surprised how many people think and do just that. And if a person says, “Investing is risky,” then it is. As rich dad said, “Money will be anything you want it to be.”
- “You start as I did. You start without any money. All you have is hope and a dream of attaining great wealth. While many people dream of it, only a few achieve it. Think hard and prepare mentally because you are about to learn to invest in a way that very few people are allowed to invest. You will see the investment world from the inside rather than from the outside. There are far easier paths in life and easier ways to invest. So think it over and be prepared if you decide this is the path for your life.”
- They had started on the poor side of town, living frugally, building businesses, buying real estate, and working on their plan. I now understood that rich dad’s plan was to become very wealthy. While Mike and I were in high school, rich dad had made his move by expanding to different islands of the Hawaiian chain, buying businesses and real estate. While Mike and I were in college, he made his big move and became one of the major private investors in businesses in Honolulu and parts of Waikiki. While I was flying for the Marine Corps in Vietnam, his foundation of wealth was set in place. It was a strong and firm foundation.
- Rich dad went on to stress the difference between an employee buying an investment and a business buying an investment. He said, “Most investments are too expensive when you purchase them as an employee. But they are much more affordable if my business buys them for me.”
- The lessons came in five phases, each phase taking me to a higher level of understanding rich dad’s thought process and his investment plan. The lessons began with preparing mentally and taking control of myself—because that is the only place that investing really takes place anyway. Investing ultimately begins and ends with taking control of yourself.
- That night, I began my mental preparation by choosing between seeking job security, the road my poor dad chose, and pouring a foundation of real wealth, the road my rich dad chose. That is where the process of investing truly begins and where rich dad’s lessons on investing start. It starts with a very personal decision—a mental choice to be rich, poor, or middle class. It is an important decision because, whichever financial position in life you choose—be it rich, poor, or middle class—everything in your life then changes.
- “When it comes to money and investing, people have three fundamental reasons or choices for investing—to be: 1. Secure, 2. Comfortable, or 3. Rich.” Rich dad continued, “All three choices are important. The difference in one’s life occurs when the choices are prioritized.” He continued by saying that most people make their money and investment choices in that exact order. In other words, their first choice when it comes to money decisions is security, second is comfort, and third is to be rich. That is why most people make job security their highest priority. After they have a secure job or profession, then they focus on comfort. The last choice for most people is to be rich.
- One of the most startling differences between my rich dad and poor dad was the kind of world they saw. My poor dad always saw a world of financial scarcity. That view was reflected when he said, “Do you think money grows on trees?” or “Do you think I’m made of money?” or “I can’t afford it.” When I spent time with my rich dad, I began to realize that he saw a completely different world. He could see a world of too much money. That view was reflected when he said, “Don’t worry about money. If we do the right things, there will always be plenty of money. Don’t let not having money be an excuse for not getting what you want.”
- I have noticed that most people let their panic about money defeat them and dictate the terms and conditions of their lives. Hence, they remain terrified about risk and money.
- As the great baseball player, Yogi Berra, once said, “Strike out just 7 out of 10 times and you’re in the Hall of Fame.” In other words, if he came to bat 1,000 times in his baseball career and if he struck out only 700 times, he would be in the Hall of Fame. After reading Yogi Berra’s quote, rich dad said, “Most people are so security conscious that they live their entire lives avoiding striking out just once.”
- One of the most important lessons I learned from my rich dad was this: “Investing is a plan, not a product or procedure.” He went on to say, “Investing is a very personal plan.”
- Are you willing to invest the time to find out where you are financially today and where you want to be financially, and are you willing to spell out how you plan to get there? In addition, always remember that a plan is not really a plan until it is in writing and you can show it to someone else.
- It does not take money to make money. It takes words. The difference between a rich person and a poor person is the person’s vocabulary. All a person needs to do to become richer is increase his or her financial vocabulary. And the best news is that most words are free.
- By using the lessons I learned from my rich dad, I was able to get out of the “proverbial rat race” of being an employee at an early age. It was made possible because of the strong financial knowledge I had acquired through these lessons. Without this financial knowledge, which I call financial IQ, my road to financial independence would have been much more difficult. I now teach others through financial seminars in the hope that I may share my knowledge with them. Whenever I do my talks, I remind people that financial IQ is made up of knowledge from four broad areas of expertise. No. 1 is accounting. What I call financial literacy. A vital skill if you want to build an empire. The more money you are responsible for, the more accuracy is required, or the house comes tumbling down. This is the left brain side, or the details. Financial literacy is the ability to read and understand financial statements. This ability allows you to identify the strengths and weaknesses of any business. No. 2 is investing. What I call the science of money making money. This involves strategies and formulas. This is the right brain side, or the creative side. No. 3 is understanding markets. The science of supply and demand. There is a need to know the “technical” aspects of the market, which is emotion driven; the Tickle Me Elmo doll during Christmas 1996 is a case of a technical or emotion-driven market. The other market factor is the “fundamental” or the economic sense of an investment. Does an investment make sense or does it not make sense based on the current market conditions. Many people think the concepts of investing and understanding the market are too complex for kids. They fail to see that kids know those subjects intuitively. For those not familiar with the Elmo doll, it was a Sesame Street character that was highly touted to the kids just before Christmas. Most all kids wanted one, and put it at the top of their Christmas list. Many parents wondered if the company intentionally held the product off the market, while continuing to advertise it for Christmas. A panic set in due to high demand and lack of supply. Having no dolls to buy in the stores, scalpers saw an opportunity to make a small fortune from desperate parents. The unlucky parents who did not find a doll were forced to buy another toy for Christmas. The incredible popularity of the Tickle Me Elmo doll made no sense to me, but it serves as an excellent example of supply and demand economics. The same thing goes on in the stock, bond, real estate and baseball-card markets. No. 4 is the law. For instance, utilizing a corporation wrapped around the technical skills of accounting, investing and markets can aid explosive growth. An individual with the knowledge of the tax advantages and protection provided by a corporation can get rich so much faster than someone who is an employee or a small-business sole proprietor. It’s like the difference between someone walking and someone flying. The difference is profound when it comes to long-term wealth. 1. Tax advantages: A corporation can do so many things that an individual cannot. Like pay for expenses before it pays taxes. That is a whole area of expertise that is so exciting, but not necessary to get into unless you have sizable assets or a business. Employees earn and get taxed and they try to live on what is left. A corporation earns, spends everything it can, and is taxed on anything that is left. It’s one of the biggest legal tax loopholes that the rich use. They’re easy to set up and are not expensive if you own investments that are producing good cash flow. For example; by owning your own corporation – vacations are board meetings in Hawaii. Car payments, insurance, repairs are company expenses. Health club membership is a company expense. Most restaurant meals are partial expenses. And on and on – but do it legally with pre-tax dollars. 2. Protection from lawsuits. We live in a litigious society. Everybody wants a piece of your action. The rich hide much of their wealth using vehicles such as corporations and trusts to protect their assets from creditors. When someone sues a wealthy individual they are often met with layers of legal protection, and often find that the wealthy person actually owns nothing. They control everything, but own nothing. The poor and middle class try to own everything and lose it to the government or to fellow citizens who like to sue the rich. They learned it from the Robin Hood story. Take from the rich, give to the poor. It is not the purpose of this book to go into the specifics of owning a corporation. But I will say that if you own any kind of legitimate assets, I would consider finding out more about the benefits and protection offered by a corporation as soon as possible. There are many books written on the subject that will detail the benefits and even walk you through the steps necessary to set up a corporation. One book in particular, Inc. and Grow Rich provides a wonderful insight into the power of personal corporations. Financial IQ is actually the synergy of many skills and talents. But I would say it is the combination of the four technical skills listed above that make up basic financial intelligence. If you aspire to great wealth, it is the combination of these skills that will greatly amplify an individual’s financial intelligence. In summary 1. Spend 2. Pay Taxes 2. Pay Taxes 3. Spend As part of your overall financial strategy, we strongly recommend owning your own corporation wrapped around your assets.
- The fear of losing money is real. Everyone has it. Even the rich. But it’s not fear that is the problem. It’s how you handle fear. It’s how you handle losing. It’s how you handle failure that makes the difference in one’s life. That goes for anything in life, not just money. The primary difference between a rich person and a poor person is how they handle that fear.
- All of us have doubts. “I’m not smart.” “I’m not good enough.” “So ‘$ and so is better than me.” Or our doubts often paralyze us. We play the. | “What if?” game. “What if the economy crashes right after I invest?” Or “What if I lose control and I can’t pay the money back?” “What if things don’t go as I planned?” Or we have friends or loved ones who will remind us of our shortcomings regardless of whether we ask. They often say, “What makes you think you can do that?” Or “If it’s such a good idea, how come someone else hasn’t done it?” Or “That will never work. You don’t know what you’re talking about.” These words of doubt often get so loud that we fail to act. A horrible feeling builds in our stomach. Sometimes we can’t sleep. We fail to move forward. So we stay with what is safe and opportunities pass us by.
- Real estate is a powerful investment tool for anyone seeking financial independence or freedom. It is a unique investment tool. Yet, every time I mention real estate as a vehicle, I often hear, “I don’t want to fix toilets.” That’s what Peter Lynch calls “noise.” That’s what my rich dad would say is the cynic talking. Someone who criticizes and does not analyze. Someone who lets their doubts and fears close their mind instead of open their eyes.” So when someone says, “I don’t want to fix toilets,” I want to fire back, “What makes you think I want to?” They’re saying a toilet is more important than what they want. I talk about freedom from the rat race, and they focus on toilets. That is the thought pattern that keeps most people poor. They criticize instead of analyze. “ ‘I don’t wants’ hold the key to your success,” rich dad would say. Because I, too, do not want to fix toilets, I shop hard for a property manager who does fix toilets. And by finding a great property manager who runs houses or apartments, well, my cash flow goes up. But more importantly a great property manager allows me to buy a lot more real estate since I don’t have to fix toilets. A great property manager is key to success in real estate. Finding a good manager is more important to me than the real estate. A great property manager often hears of great deals before real estate agents do, which makes them even more valuable. That is what rich dad meant by “ ‘I don’t wants’ hold the key to your success.” Because I do not want to fix toilets either, I figured out how to buy more real estate and expedite my getting out of the rat race. The people who continue to say “I don’t want to fix toilets” often deny themselves the use of this powerful investment vehicle. Toilets are more important than their freedom. In the stock market, I often hear people say, “I don’t want to lose money.” Well, what makes them think I or anyone else likes losing money? They don’t make money because they chose to not lose money. Instead of analyzing, they close their minds to another powerful investment vehicle, the stock market.
- Rich dad often said, “More than not knowing the definitions of words, using the wrong definition of a word is what really causes long-term financial problems. Nothing is more destructive to a person’s financial stability than to call a liability an asset.” That is why he was a stickler for the definition of financial words. He taught me that the word mortgage comes from mortir, which is French for death. So a mortgage is “an engagement until death.”
- Other people say, “I don’t need to plan. I have a retirement and medical plan from my work.” The problem with such thinking is that there is more to an investment plan than simply investments and money. A financial plan is important before someone begins to invest because it needs to take into consideration many different financial needs. These needs include college education, retirement, medical costs, and long-term health care. Many of these often large and pressing needs can be provided for by investing in products other than stocks and bonds or real estate—such as insurance products and different investment vehicles.
- It is imperative that our schools begin to teach young people to invest for their long-term health and financial well-being. If we do not, we will have a massive socioeconomic time bomb on our hands.
- I often say to my classes, “Be sure you have a plan. First, ask yourself if you are planning to be rich or if you are planning to be poor. If you are planning to be poor, the older you get, the more difficult you will find the financial world.” Rich dad said to me many years ago, “The problem with being young is that you don’t know what it feels like to be old. If you knew what being old felt like, you would plan your financial life differently.”
- “The problem with being young is that you don’t know what it feels like to be old. If you knew what being old felt like, you would plan your financial life differently.” He also said, “The problem with many people is that they plan only up to retirement. Planning up to retirement is not enough. You need to plan far beyond retirement. In fact, if you’re rich, you should plan for at least three generations beyond you. If you don’t, the money could be gone soon after you’re gone. Besides, if you don’t have a plan for your money before you depart from this earth, the government does.”
- “Words form thoughts, thoughts form realities, and realities become life. The primary difference between a rich person and a poor person is the words he or she uses. If you want to change a person’s external reality, you need to first change that person’s internal reality. That is done through changing, improving, or updating the words he or she uses. If you want to change people’s lives, first change their words. The good news is that words are free.”
- Rich dad continued. “I now realize why it is so hard for most people to follow a simple plan.” “And why is that?” I asked. “Because following a simple plan to become rich is boring,” said rich dad. “Human beings are quickly bored and want to find something more exciting and amusing. That is why only three out of a hundred people become rich. They start following a plan, and soon they are bored. So they stop following the plan and then they look for a magic way to get rich quick. They repeat the process of boredom, amusement, and boredom again for the rest of their lives. That is why they do not get rich. They cannot stand the boredom of following a simple, uncomplicated plan to get rich. Most people think there is some magic to getting rich through investing. Or they think that if it is not complicated, it cannot be a good plan. Trust me. When it comes to investing, simple is better than complex.”
- James P. O’Shaughnessy wrote the perfect book for people who think that investing has to be risky, complex, and dangerous. It is also the perfect book for those who think that they can outsmart the market. This book has the academic and numerical proof that a passive or mechanical system of investing will in most cases beat a human system of investing—even a system using professional investors such as fund managers. This book also explains why nine out of ten investors do not make money. O’Shaughnessy’s best-selling book is titled What Works On Wall Street: The Classic Guide to the Best-Performing Investment Strategies of All Time.
- Whenever I hear someone say to me, “It takes money to make money,” I cringe. I cringe because my rich dad said, “You don’t have to be a rocket scientist to be rich. You don’t need a college education, a high-paying job, or any money at all to start. All you have to do is know what you want, have a plan, and stick to it.” In other words, all it takes is a little discipline. The problem when it comes to money, however, is that a little discipline is often a rare commodity.
- “How do I find the plan that is right for me?” is a question I am asked often. My standard answer is that it comes in steps: 1. Take your time. Think quietly about your life up to this point. Take days to think quietly. Take weeks if you need to. 2. Ask yourself in these moments of quiet, “What do I want from this gift called my life?” 3. Don’t talk to anyone else for awhile, at least until you are certain you know what you think you want. All too often, people either innocently or intentionally want to impose on others what they want for those people instead of respecting what others want for themselves. The biggest killers of deep inner dreams are your friends and family members who say, “Oh, don’t be silly,” or “You can’t do that.” 4. Remember that Bill Gates was in his twenties when he started with $50,000 and became the richest man in the world with $90 billion. It’s a good thing he did not ask too many people for their ideas on what they thought was possible for his life. 5. Call professional investors. All investment plans begin with a financial plan. If you do not like what the professional says, find another one. You would ask for a second opinion for a medical problem, so why not ask for many opinions for financial challenges? Financial advisors come in many forms. The advisor could be a coach or a mentor, someone who has already done what you want to do. Choose an advisor who is equipped to assist you in developing a written financial plan.
- “Instead of investing the time, they say things like ‘investing is risky,’ ‘it takes money to make money,’ or ‘I don’t have the time to learn to invest. I’m too busy working and I have bills to pay,’” I added, as I began to understand rich dad’s point. Rich dad nodded. “And those very common ideas or excuses are why so few people achieve great wealth in a world that is filled with money. Those ideas or words are why 90 percent of the population has the problem of not having enough money rather than the problem of having too much money. Their ideas about money and investing cause their money problems. All they have to do is change a few words, a few ideas, and their financial world will change like magic. But most people are too busy working, and they do not have the time. Many often say, “‘I’m not interested in learning to invest. It is a subject that does not interest me.’” Yet they fail to see that when they say those words, they become slaves to money—working for money, having money dictate the financial boundaries of their lives, living frugally and within their means—instead of investing a little time, following a plan, and having money work for them.”
- “Investment basic rule number one,” said rich dad, “is to always know what kind of income you are working for.” For years, rich dad had always said to Mike and me that there were three different kinds of income: 1. Ordinary earned income is generally derived from a job or some form of labor. In its most common form, it is income from a paycheck. It is also the highest-taxed income, so it is the hardest income with which to build wealth. When you say to a child, “Get a good job,” you are advising the child to work for ordinary earned income. 2. Portfolio income is generally derived from paper assets such as stocks, bonds, and mutual funds. Portfolio income is by far the most popular form of investment income, simply because paper assets are easier to manage and maintain. 3. Passive income is generally derived from real estate. It can also be derived from royalties from patents or license agreements. Yet approximately 80 percent of the time, passive income is from real estate. There are many tax advantages available for real estate.
- “That is investment basic rule number six,” said rich dad. “If you are prepared, which means you have education and experience, and you find a good deal, the money will find you or you will find the money. Good deals seem to bring out the greed in people. So when a person finds a good deal, the deal—because it promises great rewards—attracts the cash. If the deal is bad and doesn’t promise great rewards, then it is really hard to raise the cash.” “Have you ever seen a good deal that did not attract the money?” I asked. “Many times,” rich dad said, “but it was not the deal that did not attract the cash. The person controlling the deal did not attract the cash. In other words, the deal would have been good if the guy in charge of the deal had stepped aside. It is like having a world-ranked race car with an average driver. No matter how good the car is, no one would bet on it with an average driver at the wheel. In real estate, people often say the key to success is location, location, location. I think differently. In reality, in the world of investing—regardless of whether it is real estate, business, or paper assets—the key is always people, people, people. I have seen the best real estate in the best location lose money because the wrong people were in charge.”
- If you work hard for bad money and do not know the difference between assets, liabilities, good securities, and bad securities, you may struggle financially all your life. It is truly a shame that those who work the hardest and are paid the least suffer the most from this constant erosion of money’s value. People who do the hardest work have the hardest time getting ahead due to the effects of Gresham’s Law. Since money has ever-declining value, a financially wise person must constantly seek things that do have value and can also produce more and more debased money. If you don’t do that, you fall behind financially over time rather than get ahead.”
- “Financial literacy is one of the most important investor basics, especially if you want to be a safe investor, an inside investor, and a rich investor. Anyone who is not financially literate cannot see into an investment. Just as a doctor uses X-rays to look into the human body, a financial statement allows you to look into an investment and see the truth, the facts, the fiction, the opportunities, and the risk. Reading a financial statement of a business or individual is like reading a biography or an autobiography.”
- Most investors look at the price and then the stock’s P/E, or Price/Earnings ratio. The P/E of a stock is an outsider’s indicator of the business. An insider needs other indicators, and that is what I will teach you. Those indicators are part of a safety checklist to make sure that all the parts of the business are functioning well. If you are not financially literate, you cannot tell the differences. Then, of course, investing becomes risky for that person.”
- “The second thing is that when I look at an investment, I overlay it on my personal financial statement and see where it fits. As I said, investing is a plan. I want to see how the financial statement of the business, the stock, the bond, or the real estate will impact my personal financial statement. I want to know that this investment will get me to where I want to go. I can also analyze how I can afford the investment. By knowing my numbers, I know what will happen if I borrow money to buy an investment and the long-term impact balanced with income and outflow due to debt payments.”
- Rich dad thought the relationship between the income statement and the balance sheet was everything. He would say, “How can you understand one without the other? How can you tell what an asset or liability really is without the income column or the expense column?” He would go on and say, “Just because something is listed under the asset column does not make it an asset.” I think that statement was the single most important point he made. He would say, “The reason most people suffer financially is that they purchase liabilities and list them under the asset column. That is why so many people call their home an asset when it is really a liability.” If you understand Gresham’s Law, you can see why such a seemingly minor oversight can cause a lifetime of financial struggle instead of financial freedom. He would also say, “If you want to be rich for generations, you and the ones you love must know the difference between an asset and a liability. You must know the difference between something of value and something of no value.”
- Rich dad was very much in favor of home ownership. He thought that a home was a secure place to put your money, even though it was not necessarily an asset. In fact, once he had acquired enough real assets, he lived in a big beautiful home. Those real assets generated the cash flow that allowed him to buy his big beautiful home. The point he was making was that people should not call a liability an asset, or buy liabilities that they think are assets. He thought that was one of the biggest mistakes a person could make. He would say, “If something is a liability, you’d better call it a liability and watch it closely.”
- You can tell if people are in control of themselves by looking at their financial statements. Just because people have high-paying jobs, big houses, and nice cars does not necessarily mean they are in control financially. If people knew how a financial statement worked, they would be more financially literate and more in control of their money. By understanding financial statements, people can better see how their cash is flowing. For example, this is the cash-flow pattern of writing a check.
- In rich dad’s world, risk, mistakes, and failure are integral parts of human development. So instead of avoiding risk and mistakes, he learned to manage risk and mistakes. He believed that a mistake was simply a lesson with emotions attached to it. He said, “Whenever we make a mistake, we become upset. An upset is our maker’s way of telling us that we need to learn something. It is a tap on our shoulder saying, ‘Pay attention. You have something important to learn. If you lie, blame, justify, or deny the upset, you waste the upset and will waste a precious gem of wisdom.’” Rich dad taught me to count to 10 if I was angry, or to 100 if I was very angry. After cooling off, I simply say, “I apologize,” and never blame the other person, no matter how angry I am. If I blame, I give power to the other person. If I take responsibility for whatever happened, I will learn a precious lesson that I obviously need to learn. If I lie, blame, justify, or deny, I learn nothing.
- Forbes magazine defines rich as $1 million in income and $10 million in net worth. Rich dad had a tougher definition: a consistent $1 million in passive income, which is income that comes in regardless of whether you work or not, and $5 million in assets, not net worth since net worth can be an elusive and much-manipulated figure. Rich dad also felt that if you could not maintain a 20-percent return from capital invested, you were not really an investor.
- “The difference between a rich person and a poor person is much more than how much money they make. The difference is found in their financial literacy and the standards of importance they put on that literacy. Simply put, poor people have very low financial literacy standards, regardless of how much money they make.” He also said, “People with low financial literacy standards are often unable to take their ideas and create assets out of them. Instead of creating assets, many people create liabilities with their ideas just because of low financial literacy standards.”
- What Does P/E Mean? The qualified investor understands the price earnings (P/E) ratio of a stock, which is also referred to as the market multiplier. The P/E ratio is calculated by dividing the current market price of a stock by the previous year’s earnings per share. Generally, a low P/E would mean that a stock is selling at a relatively low price compared to its earnings. A high P/E would indicate that a stock’s price is high and may not be much of a bargain. The P/E ratio of one successful company may be very different from that of another successful company if the two companies are in different industries. For example, high-tech companies with big growth and high earnings generally sell at much higher P/Es than low-tech or mature companies where growth has stabilized. Some stocks can sell at very high prices even when the companies have no earnings. The high prices reflect the market’s expectation for high earnings in the future. Future P/E Is the Key A qualified investor recognizes that the current P/E is not as important as the future P/E. The investor wants to invest in a company that has a strong financial future. In order for the P/E ratio to be helpful to the investor, much more information about the company may be needed. Generally, the investor will compare a company’s ratios for the current year with that of previous years to measure the growth of the company. The investor will also compare the company’s ratios with those of other companies in the same industry.
- “But why a C corporation?” I asked. “What is the difference that is so important to you?” “This is the one big difference,” he said, having waited a long time to explain it. “A sole proprietorship, a partnership, and an S corporation are all part of you. They are, in simple terms, an extension of you.” “And what is a C corporation?” I asked. “A C corporation is another you. It is not just an extension of you. A C corporation has the ability to be a clone of you. If you are serious about doing business, then you do not want to do business as a private citizen. That is too risky, especially in this day and age of lawsuits. When you do business, you want a clone of you actually doing the business. You do not want to do business or own anything as a private citizen,” rich dad guided me. “If you want to be a rich private citizen, you need to be as poor and penniless as possible on paper.” Rich dad also said, “The poor and the middle class, on the other hand, want to own everything in their name. ‘Pride of ownership,’ they call it. I call anything with your name on it ‘a target for predators and lawyers.’”
- “I pay taxes on net income, and your dad’s taxes are withheld from his total income. That is one of the biggest differences between your dad and me. I get ahead faster because I get to buy my assets with gross income and pay taxes on net income. Your dad pays taxes on gross income and then tries to buy assets with his net income. That is why it is very, very hard for him to achieve any kind of wealth. He gives a lot of his money to the government first, money that he could be using to buy assets. I pay my taxes on the net, or what is left over, after I buy my assets. I buy assets first and pay taxes last. Your dad pays taxes first and has very little money left over to buy assets with.”
- This law change prevented someone in the S quadrant from using the same tax laws used by the B quadrant. For example, if a person in the S quadrant has the same income as someone in the B quadrant, the S-quadrant worker will have to pay a beginning tax rate of 35 percent (50 percent when you include social insurance taxes). On the other hand, the B-quadrant person could possibly pay zero percent on the same amount of income. In other words, the golden rule—“He who makes the rules keeps the gold”—was once again true. The rules are made from the B quadrant and have been made from there ever since 1215 when the barons forced the king to sign the Magna Carta.
- In 1977, I started my nylon-and-Velcro wallet business part-time. Many of you are familiar with that product line today. From 1977 to 1978, I worked very hard at Xerox, eventually becoming one of the top sales representatives in the branch. In my spare time, I was also building a business that would soon become a worldwide, multimillion-dollar business. When people ask me if I loved my product line—a line that consisted of colorful nylon wallets, nylon watchbands, and nylon shoe pockets that attached to the laces of a running shoe and held a key, money, and ID card—I answer, “No. I was not in love with the product line. But I did enjoy the challenge of building the business.”
- I mention this point specifically because so many people tell me such things as: 1. “I have a great idea for a new product.” 2. “You have to feel passionate about your product.” 3. “I’m looking for the right product before I begin my business.” To these people, I generally say, “The world is filled with great ideas for new products. The world is also filled with great products. But the world is short of great businesspeople. The primary reason to start a business part-time is not so much to make a great product. The real reason for starting a part-time business is to make yourself a great businessperson. Great products are a dime a dozen. But great businesspeople are rare and rich.”
- Many people dream of starting their own business but never do because they’re afraid of failing. Many other people dream of becoming rich but don’t because they lack the skills and experience. The business skill and experience is where money really comes from. Rich dad said to me, “The education you receive in school is important, but the education you receive on the street is even better.” Starting a business at home part-time allows you to learn priceless business skills and subjects such as: 1. Communication skills 2. Leadership skills 3. Team-building skills 4. Tax law 5. Corporate law 6. Securities law These skills and subjects cannot be learned in a weekend course or in a single book. I continue to study them today. The more I study them, the more my businesses improve.

My Reading Notes:
- In compiling this book, we asked those who move closely with Mooji to send us the sayings which most touched, guided, inspired and shook them to the core—those pointings which ultimately threw them back into the Heart-Self. They are satsang excerpts so compelling that they ignited inside the Beingness as they were heard, and in response were scribbled onto bits of paper, backs of hands, tapped into phones and searched for in audio recordings, lest they disappeared or were forgotten. We are also tremendously privileged to have received quotes directly from Mooji’s own notebook, and recorded those that were spontaneously uttered as we read, refined and edited over eight hundred bullets of wisdom received from the sangha. Many quotes came from impromptu talks that arose in unexpected places—during a morning walk, on a bus ride to the beach, after a meal or while planting a tree.
- “Don’t touch anything that appears, because it will soon disappear. Look within to where there is no name or form and you will know who you are — Freedom.”
- Mooji often says that to find Truth you have to be like the cow that jumped over the moon. Even to understand such an utterance, one must leave the egoic mind-field and its literalness, and enter the heart’s orbit. One must jump over oneself, over the moon-mind, as it were, to enter the heaven of Self-realisation. May the white fire in this book ignite within your heart, leaving only the clear space of pure seeing and being.
- There is no one person on this planet who is apart from the Truth in their heart. The world is so diverse and extreme in its expressions; the greatest good and the greatest evil is here, and in this diverse forest of existence, you must find your way home. Many voices come to call us. I take it we are here together because of the power of God, the power of love and the power of Truth acting upon our hearts. I have not come to call you halfway home, but to call you fully home. I love to watch the beings awakening from the hypnosis of conditioning, from the fear of both death and life, by recognizing their true nature.
- Sometimes, a feeling of tiredness, lethargy and resistance comes, and I want you to be aware of that. Do not fight with that, but rather keep your attention in the place that I have been pointing to—the silence of being.
- In my view, there is nothing higher in the human kingdom than discovering our divine nature. As everything else is perishable, find that which is imperishable, and fall completely in love with That.
- Your own being created me in your life to remind you of who you truly are. Don’t depend on me—use me. Make use of this and come home.
- The veils of ignorance, delusion and identification hold all the beings hostage, causing them to be distracted from the Self and to fixate upon the fleeting things of this world. It is simply this which causes suffering. Here in satsang, these veils are being pulled apart so that true knowledge and the clear light of awareness alone shines. This is love, and true and lasting freedom. It is available to everyone, because we are already this. All that is needed is to come with an open mind and open heart, with this urge inside: I must be free in this life.
- Who or what arises here in this body as the feeling ‘I am’? Really try to identify what this ‘I’ is so that you become very clear about this. The sense ‘I’, which is natural to you, can it really be an object? And if so, what is perceiving it? Can this be also perceived? Ponder deeply over this.
- Those who feel bored in life are ever seeking entertainment for their minds. The lovers of God are ever content and serenely happy, for they are fed through the heart and not through the mind.
- Who can count how many lives we have tasted? Look at the stars. How old are they? And a star is not even sentient. You are sentient. How can you be less in age than a star? You don’t know at all. What you do know is that right now you exist and are here. All take this for granted. However, what should be known is what you are here as. And if what you are here as is clear, who knows this? You want to learn about so many things, but about yourself, you are not sure.
- Whatever comes, do not push away; whatever goes, do not grieve. Everything appears just like clouds floating by; they just come and go. Stay only as the unmoving awareness. Awareness and Truth are one.
- When you are absolutely nothing, you find galaxies of love, worlds of peace, oceans of joy. It is a paradox that you have to give up everything to find everything.
- Initially, people don’t easily grasp what I am pointing to because they are used to hearing and following with their mind. But I am not speaking to their mind; I am speaking directly to their heart. It takes them time to rediscover the ability to listen with the heart. When they hear me inside, everything becomes light and clear. The mind is habituated to carrying out instructions in order to reach somewhere or to discover something phenomenally. However, real understanding occurs in the heart, which is not trying to accomplish anything. It only reveals the ever-present and timeless Truth we are.
- Attempting to understand consciousness with your mind is like trying to illuminate the sun with a candle.
- Just keep quiet. What it means? ‘Keep quiet’ is the same as honoring yourself. When the mind wants to run, you stay put. You are not the mind—know this. When the ego wants to go to the red-light district and calls, ‘Come, come and play a little,’ you instantly detect the lie and the temptation dissolves. Your peace remains undisturbed. That is what it means to keep quiet.
- Young woman is walking through the forest of existence on the eve of her wedding day. Her heart is full of the joy of anticipation as she plans the final arrangements. Just a few hours to go before she is in the arms of her beloved. She is ablaze with dreams of love, future and prosperity. Suddenly a hungry lion steps out onto the forest road, and they are face-to-face. They are so close she can feel his rumbling breath. He is salivating, dripping. She is standing on the razor-edge of existence. Instantly, all her dreams, hopes and aspirations vanish. Even her beloved, the light of her heart, disappears. There is neither future nor past nor self here. Welcome the lion on your path.
- You ask how to maintain this joy of being. But I have to ask: How do you maintain being ‘you’? There is no one to maintain anything. All happens spontaneously. If someone had to maintain any state, you would have to keep replacing them, because they could not keep up with the pressure of maintenance. We don’t like some human beings because they reflect something we don’t like inside ourselves.
- We don’t like some human beings because they reflect something we don’t like inside ourselves. We think it is in the other, but actually we carry this trait ourselves. Now, if you were empty of this trait that you don’t like, you wouldn’t judge it. When you are free of that judgement, the trait ceases to appear, even external to you. You don’t see it, or at least you look towards it with great compassion and understanding, because you know it is not intentional. We are not really ignorant by choice. It seems like something is hiding the real seeing. So when you meet someone whose presence triggers discomfort within yourself, often it is because there is something there within you worth reflecting upon. Now I take you a step further than this. This which you are seeing in others and in yourself, this self that you find fault with, is only the idea you have of who you are and its own conditioning. It is not the true Self. It is only the acquired state, the learnt or constructed self. This is where all the bad smell is coming from. Rather than rejecting those encounters, the wise welcome them.
- Often due to the directness and power of satsang, deep insecurities and attachments get exposed, and many people experience the reflex to protect a sense of vulnerability by running away. This happens particularly at the start of intense introspection. The paradox is that the thing they are running away with is the very thing they should be running away from.
- No need to believe or disbelieve. Don’t interfere. You can’t improve the already perfect. Just stay quiet and empty—let life play.
- There is something powerful in being rendered powerless. It will break your arrogance and possibly set you free.
- The ego-mind looks for what it can get. Heart-mind looks for how much it can give.
- Don’t be a storehouse of memories. Leave past, future and even present thoughts behind. Be a witness to life unfolding by itself. Be free of all attachments, fears and concerns by keeping your mind inside your own heart. Rest in being. Like this, your life is always fresh and imbued with pure joy and timeless presence. Be happy, wise and free.
- Once you begin to recognize the divine gifts in life, you come to see that there are so many. Your life is abundant. Every moment is an opportunity to rest in effortless Self-awareness.
- To leave yourself aside is the greatest thing, but it will seem impossible in the beginning because as an ego you have always been your own favourite person. Your favourite person in the world is yourself and you love to serve yourself best. But now a joy is arising each time we deny ourself in favour of serving others. This gap between ‘you’ and ‘me’ begins to diminish somehow. First, it was ‘me’ and ‘the rest’, then ‘me’ becomes ‘we’. Ultimately, a realisation dawns: we are one. The sage within us emerges when the ‘we’, the ‘me’ and finally, the ‘you’ and ‘I’ disappear. There remains only the all-ness, the one beyond even the concept of oneness.
- Just learn what you can and leave the rest. Do not dwell on old mistakes or missed opportunities, for this sustains personal identity and drains the being of its freshness. Remember, none can live a fault-free life. Accept this. It is okay. It is the programmed mind that gets caught up in the sludge of morality. Don’t empower those tendencies further. It is not necessary nor is it required to make any oath, vow or pledge in your life, because few can fulfill them and they just become a burden around your neck. Recognising your true place as the uninvolved witness is your door to freedom.
- There will come a point when you find an ocean of peace inside you that will never leave you. Noise will come, but it will come inside your peace. Noise will go, but peace will not go. Once you discover this peace, you won’t buy any of the mind’s promises.
- Without the intrusiveness of personal mind, life is observed to be unfolding in a natural and harmonious way. Do not waste time just wishing for things to get better. The whole world is doing this and no one is really happy. We miss the true life. In fact, happiness arises when you stop chasing for something other than your own pure nature, and this is the happiness that remains with you.
- Avoid expectations and especially be aware of the tendency to wait for ‘next’ as a promise to happiness—the next good feeling, the next adventure or invitation from the mind. The ‘next’ experience, in fact, does quite the opposite; it pulls your attention away from pure presence, the seat of joy.
- Don’t make the mistake of imagining that the Divine judges the world by human standards.
- Before a thought arises, do you know it is going to come? You cannot decide, ‘Oh, I’m only going to have Jesus-thoughts today,’ or, ‘I dedicate this space for only Buddha’s words and thoughts this week.’ Thoughts arise arbitrarily and unannounced, but this by itself is not thinking. Thinking begins when the arising thought connects with the thinker-thought, the thinker- identity. Out of this communion, thinking is produced. Know that both the thinker of thought and thoughts are one: mind. When it is seen that the thinker-thought construct is a concept, the play of the psychological mind ceases to engage your attention and peace prevails.
- Do you really want to erase all your deluded beliefs, memories, stories, tendencies and identities one by one, or would you prefer to find the factory where they are produced and blow the whole thing up? I say this because right now I don’t have time for all this tiny pruning. You hold onto your little nail clipper, but I am giving you a great chainsaw to bring down the whole tree of suffering. This chainsaw is self-inquiry.
- Beloved Remember Love without clinging Give without demanding Receive without possessing Perceive without projecting Witness without judging Focus without tension Work without strain Relax without laziness Play without competing Enjoy without craving Reflect without imagining Serve without demonstrating Surrender without hesitating Challenge without dominating Meditate without identity Correct without blaming Overcome without pride Master without enslaving Laugh without cynicism Cry without pity Confront without hatred Guide without superiority Enter without self-importance Depart without regret Live without arrogance Exist without self-image Be one with God Awaken to the Real
- A lot of things I don’t know about, but I know in the moment I need to know. And the things I don’t need to know, I am not concerned about. This is my good fortune.
- There is nothing you need to do to become what you are, but there is something you need to recognise in order to stop being what you are not. Your complete nature is already here. Remember that all that you perceive, including your sense of self and personal identity, is as ephemeral as clouds floating in the unchanging sky. You can never not exist, but through perfect understanding, you will cease existing as what you are not.
- When you discover the here which is beyond place, and the now which is beyond time, then you will be unable to doubt your limitless freedom.
- Your urge to control life controls you.
- As long as there is wanting in you, especially for someone or something to make you happy, paradoxically, this is a sure way to make yourself feel lacking and therefore miserable.
- Be inside the inside itself. Don’t hold this thought that you are journeying towards something, because that itself is a belief leading to unnecessary despair. What you are searching for is already what you
- When one is without ego, one becomes immediately free of all personal judgements and perceives life and the world with divine eyes and mind. Nothing is offensive to such a one, and they remain in perfect serenity and peace always.
- Nothing is required of you. Only when you are a person do you need to prove something—to feel worthy, interesting or special. Why this haemorrhaging of energy trying to be special when you can simply be yourself?
- The mind, the illusory person, doesn’t want to change. It is very afraid of change. It doesn’t mind praying for change in the world, but doesn’t want to change itself. The mind doesn’t mind playing at spirituality. It doesn’t mind meeting God, even meeting Him as an equal, but it doesn’t want to exchange itself for God. The psychological mind is the devil actually—but not totally, because it is mixed with the beingness. The mind wants to sell you a brand of spirituality which builds your ego, telling you, ‘Yes, let’s do these exercises of embracing each other and praying for the world,’ but these things do not challenge you.
- I want to see that people reach deep into themselves, behind the facade of the person, and find the presence of God within. I want to see that people blow away these miserable states and live this life as the living Truth itself. You may think we are suffering from conflict, wars, famines and droughts. But no, we are suffering from ego! The ego is the atomic bomb that we drop on ourselves, in a way. Why do I say that? Because we are not helpless. As a person you are pretty much helpless, but you are powerful as Being. The change that really has to happen in the human kingdom is not a more advanced technological change, advancing in the outer things. We must be advanced in the inner world and rise above shallow, fleshly ambitions, to find again our original nature.
- All this play is in the world—but the sword of Truth is also here. The whole thing, from start to finish, is illusion. ‘This life I’m living, my family, my attachments, my hopes for the future, trying to save the planet and what religion I am’ is all a big, big dream. Even myself standing here talking is in the dream—but I’m awake. When you are awake, it is very different. You don’t panic. You don’t run. You don’t hide under the bed or under a rock, because wherever you are, you know God is right here. This is not fantasy at all. Does fear come in this body? Yes, it comes, but it cannot proliferate. It cannot grow. Human feelings come in consciousness, but they are seen immediately and can never overtake. This is a very important thing.
- The question ‘Who am I?’ is the most important question a human being can ask. To feel some attraction to this question already signals an auspicious life. From the birth of this body something inside has been saying, ‘I am, I want, I know, I love, this is me, this is mine,’ but when asked, What or who is this ‘me’ or ‘I’? no clear answer is given or formed. The ‘I’ itself appears to know many things but it doesn’t know its own Self. What exactly arises as ‘I’? What is the substance of ‘I’? These are the most powerful questions that can emerge inside the human consciousness. Why powerful? Because they break open and dispel every delusion and so remove the ego’s grip on us. Ego is the unreal identity and nature that makes us feel uneasy in the presence of other beings. It often brings fear and insecurity which causes us to hold onto feelings of rejection, jealousy, hatred and desire. However, by its very nature, ego can also help us to grow in understanding and aspire for lasting freedom by forcing us to seek what is true within ourselves. Satsang speeds up our liberation.
- Upon discovering Truth, the natural love one has for oneself expands until it encompasses the whole world. This love erases ego.
- Aspiration has to be a part of the drama of realisation. In the beginning, something has to search. You have to long for something. Before you had this longing, you knew nothing at all. You were in ignorance. You were not free. You needed to fake-learn something only to get rid of this learning once true understanding is revealed—and yet none of it is a waste of time. Sometimes consciousness creates the sense of a problem in order to experience transcending it. This is the game of life. You are the timeless experiencing the sense of time. How strange that time is needed to discover the timeless.
- When we are speaking from duality, we refer to ourselves as personalities, as individuals, as ego—the mind. And mind is never totally happy where it is. It hitchhikes from one place to another, from one state to another. When it’s not happy with the present, it goes to the past. When it’s not happy with the past, it projects a future. It is never content with anything. The belly of the mind is never full.
- You say, ‘I know I am That.’ And now something is saying, ‘But it is mind that knows that.’ But what knows that the mind knows that? Contemplate this. Is this too subtle a question to put to you now? Someone will grasp this and recognise the unchanging awareness that is ever present. Something may be avoiding such clarity, such direct pointing. The Truth always seems inconvenient from the position of the lie.
- If today was your last day in this body, would the opinions of your mind make any difference to you? Why not then live like this?
- Do not allow your mind to become so easily disturbed by the fleeting soap-bubble experiences of this world. Know your mind’s essence to be imperishable, indivisible and unborn. Without your Self, nothing is, for things cannot be their own witness. It is in the light of sentience that the world is seen. You are not an object. All phenomena report to the consciousness in you, the formless Self. Know your Self to be that in which they arise, play and are eventually absorbed.
- Sometimes, the thing you think is happening is not the thing that is happening. This is true of life. Much of what you think life is, is not what it is. Sometimes you see an action happening and it’s not what is really going on. Other things are going on that you cannot see. And if you take your version as real, you will continue disagreeing with life and having lots of opinions. If you are empty of opinions, you discover a synchronicity that you cannot deny. There is a higher power working beyond and behind the human mind that is coordinating things beyond our capacity to comprehend as a person. Live as though it is already your truth.
- We are the pure, timeless and unchanging being, but due to the debilitating effects of the egoic or personal identity, many people have drifted away from the natural state and so begin suffering from deep insecurities within themselves. Consequently, many human beings want to become ‘someone special’, and so much energy goes into this. But in truth, or you may say from a higher standpoint, no one is special because to be special requires that others have to be less special. Maybe there is a sense, ‘If I am not different and special, then I will become vulnerable.’ But actually, to be special, to be anyone, is to be vulnerable. Paradoxically, the way to be free of psychological vulnerability and the sense of separation is to become nobody. Somehow, without the attachment and pride of personal identity, we feel and know, ‘I am the same one in everyone.’ The sense of ‘I’ being one with ‘others’ now seems greater and truer than the sense of ‘other’ being apart and different from ‘I’. We seem afraid of this discovery yet it is a liberation. And so much love, real joy and compassion arises.
- Be nobody. When you are somebody, there are so many duties that even to be yourself is such a hassle. When you are nobody, you escape from every trap. It is immediate freedom!
- Every now and then, life causes you to lose your phone, lose your job, lose your relationship, the things you think are important, so you can see that you have a full life independent of them. There are many things you feel are so essential, but without them, you find you still have your Self, which is more than all of them put together. You cannot lose your Self. This is the most important thing.
- Life flows by itself. How arrogant to think it is you who makes it flow. Stop interfering and enjoy the ride of impersonal witnessing.
- Don’t worry about your problems. Don’t worry about the worst thing in the world. Find the best thing in the world, and it will take care of everything. Find the Self.
- Mind presents options Heart offers recognition Mind imagines Heart reveals Mind strays Heart stays Mind thinks Heart knows Mind is becoming Heart is being Mind introduces creature comforts Heart introduces the Creator

My Reading Notes:
- We see it in human health just as we see it in plant health if you use just couple of nutrients and you steal / remove many of the others from the food chain our plants begin to fail.
- Glyphosate – active ingredients of Round Up which is the most successful herbicide
- Water soluble toxin is very dangerous as it goes everywhere (it evapurates into air and rain, lakes, i.e.)
- The way it kills is it blocks the enzyme pathway called Shikame pathway which prevents from creating a ringed aromatic amino acids
- Certain amino acids have to be taken from plants and these plants can’t produce them
- 99.9% of this chemical goes to water systems 0.1% hits the weed
- 90s was the first time USA used glyphosate to dry the crops so the army could see enemy in the forest
- Glyphosate hits the cell of membrane of the intestine and it upper regulates the receptor for gluten that causes the gluten sensitivity and leaky gut effect. We not only created abnormal crop (high gluten to fiber ratio, nutrient quality) we also had this toxin synergistic with the gluten
- Glyphosate is robing the soil and plants from creating those essential amino acids. Multiple spraying of Round Up is stopping the plant and soil from creating nutrients.
- Gluten sensitivity – when synergy happens from gleaden (gluten product) and glyphosate (Round Up) when those come together it creates a leak in the membrane of your intestines so you no longer have the membrane to absorb nutrients and block the toxins out. Same thing is happening at the plant level. Plant immune system is failing as well.
- Extracullar matrix – structure of the cells a communicating between cells (like fiber optics). Every organ in the body is connected to every cell through this matrix.
- Because you’re stressing the crop you can increase yield of the field for 2-3 years. However 7-10 years and keep growing GMO suddenly you see decrease in yield.
- GMO pollen was airborne and moving from crops to crops. Monsanto started going from crop to crop suing farmers for intellectual property. In 10 years (1996-2006) they owned 95% of soy bean and 85% of corn industry.
- Bayer bought Monsanto that is plateauing as there’s no way to keep the crops growing and growing. Bayer found a new way of selling the product by inventing new type of GMO. That GMO is called Liberty Link, not Round Up.
- Last year 2 billion kilograms of glyphosate was used worldwide which may double in 6 years if we hold the patterns.
- When we eat the corn we eat heavy amounts of BT toxins (it doesn’t wash off since it was genetically engineered into the corn)
- Myth: GMO is part of the traditional breeding. From scientific standpoint it’s not the same, from PR standpoint it is.
- ” My parents start getting sick in their 60s (chronic diseases) and they were typical like heart disease. Today, our generation start to get sick in their 30s. Today, we see some of the effects with the teenagers that are having different types of allergies, anxieties, autism.
- There is so much Round Up resistant weeds out there that companies come up with new toxins to destroy weed. Is that a good thing? Definitely not.
- If you want to start the best way is to create a journal: what is it that you’re eating, how are your energy levels, what’s your mood, do you have any symptoms. Start today!
- BT toxin is a gene that is inserted into corn and turning on/off genes inside. The problem is that we don’t know if they don’t do the same to our genes. Also, it hasn’t been studied how ingested GMO affects body. There have been study on mice that developed cancer.
- Meat from an animal raised on GMO feed is bio accumulating the pesticides.
- Starvation / hunger crisis is caused by geopolitical / distribution issue. Not GMO.
- 40 years ago we spent 16% on food 8% on health care. Those numbers have completely inverted.
- The most frightening new development in GMO technology is that Monsanto are developing new type of GMO that will basically take advantage at how cells naturally regulate themselves. It is more of an epigenetic engineering ( looking at manipulating RNAs).
- We have the amazing miraculous planet with infinite amount of diversity and we’re letting corporations kill everything on the surface of the planet to “save the humanity” ?
- GMO 2.0 – rather than introducing a new gene into the plant you can either edit or silence the genes. Because of that you will have 100s of different mutations in the plant. Currently you don’t need labeling for this (USA) and FDA doesn’t do enough studies. Question is what will happen to your body that uses plant’s DNA to function. It could potentially edit human’s DNA.

My Reading Notes:
- Unfortunately, we have forgotten the real meaning of the word. “Guru” literally means “dispeller of darkness.” The function of the guru, contrary to popular belief, is not to teach, indoctrinate, or convert. The guru is here to throw light on dimensions beyond your sensory perceptions and your psychological drama, dimensions that you are currently unable to perceive. The guru is here, fundamentally, to throw light on the very nature of your existence.
- And so, this book has finally been divided into two sections. The first maps the terrain; the second offers you a way to navigate it. What you are about to read in this section is not a display of academic expertise. Instead, this section seeks to offer a series of fundamental insights—insights that lay the foundation or bedrock on which the architecture of the more practice-oriented second section is built.

My Reading Notes:
- Only a quarter of medical schools appear to offer a single dedicated course on nutrition. During my first interview for medical school, at Cornell University, I remember the interviewer emphatically stating, “Nutrition is superfluous to human health.” And he was a pediatrician! I knew I was in for a long road ahead.
- During my medical training, I was offered countless steak dinners and fancy perks by Big Pharma representatives, but not once did I get a call from Big Broccoli. There is a reason you hear about the latest drugs on television: Huge corporate budgets drive their promotion
- The California medical board does have one subject requirement: twelve hours on pain management and end-of-life care for the terminally ill. This disparity between prevention and mere mitigation of suffering could be a metaphor for modern medicine. A doctor a day may keep the apples away.
- A study of thousands of patient visits found that the average length of time primary-care doctors spend talking about nutrition is about ten seconds.
- Many people assume that our manner of death is preprogrammed into our genes. High blood pressure by fifty-five, heart attacks at sixty, maybe cancer at seventy, and so on. . . . But for most of the leading causes of death, the science shows that our genes often account for only 10–20 percent of risk at most.
- Are Americans living longer now compared to about a generation ago? Yes, technically. But are those extra years necessarily healthy ones? No. And it’s worse than that: We’re actually living fewer healthy years now than we once did. Here’s what I mean: A twenty-year-old in 1998 could expect to live about fifty-eight more years, while a twenty-year-old in 2006 could look forward to fifty-nine more years. However, the twenty-year-old from the 1990s might live ten of those years with chronic disease, whereas now it’s more like thirteen years with heart disease, cancer, diabetes, or a stroke. So it feels like one step forward, three steps back. The
- In 1900 in the United States, the top-three killers were infectious diseases: pneumonia, tuberculosis, and diarrheal disease. Now, the killers are largely lifestyle diseases: heart disease, cancer, and chronic lung disease.
- People who once ate vegetarian diets but then started to eat meat at least once a week experienced a 146 percent increase in odds of heart disease, a 152 percent increase in stroke, a 166 percent increase in diabetes, and a 231 percent increase in odds for weight gain.
- Even vegetarians can suffer high rates of chronic disease, though, if they eat a lot of processed foods. Take India, for example. This country’s rates of diabetes, heart disease, obesity, and stroke have increased far faster than might have been expected given its relatively small increase in per capita meat consumption. This has been blamed on the decreasing “whole plant food content of their diet,” including a shift from brown rice to white and the substitution of other refined carbohydrates, packaged snacks, and fast-food products for India’s traditional staples of lentils, fruits, vegetables, whole grains, nuts, and seeds.40 In general, the dividing line between health-promoting and disease-promoting foods may be less plant-versus animal-sourced foods and more whole plant foods versus most everything else.
- Maybe it’s time we stop blaming genetics and focus on the more than 70 percent that is directly under our control. We have the power.
- Weight loss through calorie restriction and an even more vigorous exercise program failed to improve telomere length, so it appears that the active ingredient is the quality, not quantity, of the food eaten. As long as people were eating the same diet, it didn’t appear to matter how small their portions were, how much weight they lost, or even how hard they exercised; after a year, they saw no benefit.
- Some people have expressed concern that boosting telomerase activity could theoretically increase cancer risk, since tumors have been known to hijack the telomerase enzyme and use it to ensure their own immortality. But as we’ll see in chapter 13, Dr. Ornish and his colleagues have used the same diet and lifestyle changes to halt and apparently reverse the progression of cancer in certain circumstances. We will also see how the same diet can reverse heart disease too.
- Unlike with medications, there isn’t one kind of diet for optimal liver function and a different diet to improve our kidneys. A heart-healthy diet is a brain-healthy diet is a lung-healthy diet. The same diet that helps prevent cancer just so happens to be the same diet that may help prevent type 2 diabetes and every other cause of death on the top-fifteen list.
- In this book, I don’t advocate for a vegetarian diet or a vegan diet. I advocate for an evidence-based diet, and the best available balance of science suggests that the more whole plant foods we eat, the better—both to reap their nutritional benefits and to displace less healthful options.
- As Dr. Walter Willett, the chair of nutrition at Harvard University’s School of Public Health, put it: “The inherent problem is that most pharmacologic strategies do not address the underlying causes of ill health in Western countries, which are not drug deficiencies.”
- As Dr. Walter Willett, the chair of nutrition at Harvard University’s School of Public Health, put it: “The inherent problem is that most pharmacologic strategies do not address the underlying causes of ill health in Western countries, which are not drug deficiencies.”
- The medical system is set up to financially reward prescribing pills and procedures, not produce. After Dr. Ornish proved that heart disease could be reversed without drugs or surgery, he thought that his studies would have a meaningful effect on the practice of mainstream medicine. After all, he effectively found a cure for our number-one killer! But he was mistaken—not about his critically important findings regarding diet and disease reversal but about how much influence the business of medicine has on the practice of medicine. In his words, Dr. Ornish “realized reimbursement is a much more powerful determinant of medical practice than research.”
- The primary reason diseases tend to run in families may be that diets tend to run in families.
- For most of our leading killers, nongenetic factors like diet can account for at least 80 or 90 percent of cases. As I noted before, this is based on the fact that the rates of cardiovascular disease and major cancers differ fivefold to a hundredfold around the world. Migration studies show this is not just genetics. When people move from low- to high-risk areas, their disease risk nearly always shoots up to match the new setting. As well, dramatic changes in disease rates within a single generation highlight the primacy of external factors.
- Research has shown us that identical twins separated at birth will get different diseases based on how they live their lives. A recent American Heart Association-funded study compared the lifestyles and arteries of nearly five hundred twins. It found that diet and lifestyle factors clearly trumped genes.
- Your family history does not have to become your personal destiny.
- Imagine if terrorists created a bioagent that spread mercilessly, claiming the lives of nearly four hundred thousand Americans every year. That is the equivalent of one person every eighty-three seconds, every hour, around the clock, year after year. The pandemic would be front-page news all day, every day. We’d marshal the army and march our finest medical minds into a room to figure out a cure for this bioterror plague. In short, we’d stop at nothing until the terrorists were stopped. Fortunately, we’re not actually losing hundreds of thousands of people each year to a preventable threat . . . are we? Actually, we are. This particular biological weapon may not be a germ released by terrorists, but it kills more Americans annually than have all our past wars combined. It can be stopped not in a laboratory but right in our supermarkets, kitchens, and dining rooms. As far as weapons go, we don’t need vaccines or antibiotics. A simple fork will do.
- If you looked at the teeth of people who lived more than ten thousand years before the invention of the toothbrush, you’d notice they had almost no cavities. They never flossed a day in their lives, yet no cavities. That’s because chocolate bars and sweets hadn’t been invented yet. The reason people get cavities now is that the pleasure they derive from sugary treats may outweigh the cost and discomfort of the dentist’s chair.
- Later studies of accidental death victims between the ages of three and twenty-six found that fatty streaks—the first stage of atherosclerosis—were found in nearly all American children by age ten. By the time we reach our twenties and thirties, these fatty streaks can turn into full-blown plaques like those seen in the young American GIs of the Korean War. And by the time we’re forty or fifty, they can start killing us off.
- To drastically reduce LDL cholesterol levels, you need to drastically reduce your intake of three things: trans fat, which comes from processed foods and naturally from meat and dairy; saturated fat, found mainly in animal products and junk foods; and to a lesser extent dietary cholesterol, found exclusively in animal-derived foods, especially eggs. Notice a pattern here? The three boosters of bad cholesterol—the number-one risk factor for our number-one killer—all stem from eating animal products and processed junk.
- The optimal LDL cholesterol level is probably 50 or 70 mg/dL, and apparently, the lower, the better. That’s where you start out at birth, that’s the level seen in populations largely free of heart disease, and that’s the level at which the progression of atherosclerosis appears to stop in cholesterol-lowering trials.28 An LDL around 70 mg/dL corresponds to a total cholesterol reading of about 150, the level below which no deaths from coronary heart disease were reported in the famous Framingham Heart Study, a generations-long project to identify risk factors for heart disease.29 The population target should therefore be a total cholesterol level under 150 mg/dL. “If such a goal was created,” Dr. Roberts wrote, “the great scourge of the Western world would be essentially eliminated.” The average cholesterol for people living in the United States is much higher than 150 mg/dL; it hovers around 200 mg/dL. If your blood test results came back with a total cholesterol of 200 mg/dL, your physician might reassure you that your cholesterol is normal. But in a society where it’s normal to die of heart disease, having a “normal” cholesterol level is probably not a good thing.
- The cholesterol-lowering statin drug Lipitor has become the bestselling drug of all time, generating more than $140 billion in global sales. This class of drugs garnered so much enthusiasm in the medical community that some U.S. health authorities reportedly advocated they be added to the public water supply like fluoride is.
- Let me share with you what has been called the “best kept secret in medicine”: Given the right conditions, the body heals itself. If you whack your shin really hard on a coffee table, it can get red, swollen, and painful. But your shin will heal naturally if you just stand back and let your body work its magic. But what if you kept whacking it in the same place three times a day—say, at breakfast, lunch, and dinner? It would never heal.
- You could go to your doctor and complain that your shin hurts. “No problem,” he or she might say, whipping out a pad to write you a prescription for painkillers. You’d go back home, still whacking your shin three times a day, but the pain pills would make it feel so much better. Thank heavens for modern medicine! That’s what happens when people take nitroglycerin for chest pain. Medicine can offer tremendous relief, but it’s not doing anything to treat the underlying cause.
- Your body wants to regain its health if you let it. But if you keep reinjuring yourself three times a day, you interrupt the healing process. Consider smoking and lung cancer risk: One of the most amazing things I learned in medical school was that within about fifteen years of stopping smoking, your lung-cancer risk approaches that of a lifelong nonsmoker. Your lungs can clear out all that tar buildup and, eventually, it’s almost as if you never smoked at all. Your body wants to be healthy. And every night of your smoking life, as you fall asleep, that healing process is restarted until . . . bam!—you light up your first cigarette the next morning. Just as you can reinjure your lungs with every puff, you can reinjure your arteries with every bite. You can choose moderation and hit yourself with a smaller hammer, but why beat yourself up at all? You can choose to stop damaging yourself, get out of your own way, and let your body’s natural healing process bring you back toward health.
- Research showing that coronary heart disease can be reversed with a plant-based diet—with or without other healthy lifestyle changes—has been published for decades in some of the most prestigious medical journals in the world. Why hasn’t this news translated into public policy yet? In 1977, the U.S. Senate Committee on Nutrition and Human Needs tried to do just that. Known as the McGovern Committee, they released Dietary Goals for the United States, a report advising Americans to cut down on animal-based foods and increase their consumption of plant-based foods. As a founding member of Harvard University’s nutrition department recalls, “The meat, milk and egg producers were very upset.” That’s an understatement. Under industry pressure, not only was the goal to “decrease meat consumption” removed from the report but the entire Senate nutrition committee was disbanded. Several prominent senators reputedly lost their election bids as a result of supporting the report. In more recent years, it was uncovered that many members of the U.S. Dietary Guidelines Advisory Committee had financial ties to everything from chocolate bar companies to entities like McDonald’s Council on Healthy Lifestyles and Coca-Cola’s Beverage Institute for Health and Wellness. One committee member even served as “brand girl” for cake-mix maker Duncan Hines and then as the official Crisco “brand girl” before going on to help write the official Dietary Guidelines for Americans.
- Men who smoke are twenty-three times more likely and women thirteen times more likely to develop lung cancer than nonsmokers. And smokers aren’t just harming themselves; thousands of deaths each year have been attributed to secondhand smoke. Nonsmokers have a 20–30 percent higher risk of developing lung cancer if they’re regularly exposed to cigarette smoke.
- If it’s the antioxidants, why not just take an antioxidant supplement? After all, popping a pill is easier than eating an apple. The reason is simple: Supplements don’t appear to work. Studies have repeatedly shown that antioxidant supplements have no beneficial effects on respiratory or allergic diseases, underscoring the importance of eating whole foods rather than trying to take isolated components or extracts in pill form. For example, the Harvard Nurses’ Health Study found that women who obtained high levels of vitamin E from a nut-rich diet appeared to have nearly half the risk of asthma of those who didn’t, but those who took vitamin E supplements saw no benefit at all.
- Bananas, although they’ve been marketed for their potassium content, aren’t actually particularly rich in the mineral. According to the current U.S. Department of Agriculture database, bananas don’t even make the list of the top-thousand foods with the highest levels of potassium; in fact, they come in at number 1,611, right after Reese’s Pieces. You’d have to eat a dozen bananas a day just to get the bare minimum recommended amount of potassium.
- Sixteen researchers spanning the globe published a database of the antioxidant power of more than a whopping three thousand foods, beverages, herbs, spices, and supplements. They tested everything from Cap’n Crunch cereal to the crushed dried leaves of the African baobab tree. They tested dozens of brands of beer to see which has the most antioxidants. (Santa Claus beer from Eggenberg, Austria, tied for first place.)46 Sadly, beer represents Americans’ fourth-largest source of dietary antioxidants. You can check out the list to see where your favorite foods and beverages rank at this link: https://bit.ly/antioxidantfoods.
- We generally think of atherosclerosis as a condition of the heart, but it’s been described as “an omnipresent pathology that involves virtually the entire human organism.” You have blood vessels in every one of your organs, including your brain. The concept of “cardiogenic dementia,” first proposed in the 1970s, suggested that because the aging brain is highly sensitive to a lack of oxygen, lack of adequate blood flow may lead to cognitive decline. Today, we have a substantial body of evidence strongly associating atherosclerotic arteries with Alzheimer’s disease.
- Animal fat intake shot up nearly 600 percent between 1961 and 2008.
- Your brain is only about 2 percent of your body weight but may consume up to 50 percent of the oxygen you breathe, potentially releasing a firestorm of free radicals.116 Special antioxidant pigments in berries and dark-green leafies may make them the brain foods of the fruit and vegetable kingdom.
- Every year, Americans lose more than five million years of life from cancers that may have been prevented. Only a small percentage of all human cancers are attributable to purely genetic factors. The rest involve external factors, particularly our diet.
- Imagine the logistics of following more than 100,000 people for decades. Now imagine a study five times that size. The largest study of diet and health in history is the NIH-AARP study, cosponsored by the National Institutes of Health and the American Association of Retired Persons. Over the course of a decade, researchers followed about 545,000 men and women aged fifty to seventy-one in the largest study of meat and mortality ever conducted. The scientists came to the same conclusion as the Harvard researchers: Meat consumption was associated with increased risk of dying from cancer, dying from heart disease, and dying prematurely in general. Again, this was after controlling for other diet and lifestyle factors, effectively excluding the possibility that people who ate meat also smoked more, exercised less, or failed to eat their fruits and veggies.
- In one study, researchers asked athletes to eat about 180 grams of blueberries every day for six weeks to see if the berries could reduce the oxidative stress caused by long-distance running.
- The blueberries succeeded, unsurprisingly, but a more important finding was their effect on natural killer cells. Normally, these cells decrease in number after a bout of prolonged endurance exercise, dropping by half to about one billion. But the athletes consuming blueberries actually doubled their killer cell counts, to more than four billion.
- Babies delivered via cesarean section appear to be at increased risk for various allergic diseases, including allergic runny nose, asthma, and perhaps even food allergies. (Allergy symptoms are caused when your immune system overreacts to normally harmless stimuli, such as tree pollen.) Normal delivery leads to the colonization of the baby’s gut with the mother’s vaginal bacteria. C-section babies, on the other hand, are deprived of this natural exposure. The resulting difference in gut flora may affect the way the baby’s immune system develops, accounting for the difference in allergy rates.
- Thankfully, a number of foods may help maintain your immunity to keep the germs at bay. First up is chlorella, a single-celled, freshwater, green algae typically sold as a powder or compressed into tablets. Researchers in Japan were the first to show that mothers given chlorella saw increased IgA concentrations in their breast milk.62 Although chlorella extract supplements failed to boost overall immune function, there is evidence that whole algae may be effective.
- Another option for athletes who want to sustain their immune function is nutritional yeast. A 2013 study reported that you may more effectively maintain your levels of white blood cells after exercise by consuming a special type of fibre found in baker’s, brewer’s, and nutritional yeast.67 Brewer’s yeast is bitter, but nutritional yeast has a pleasant, cheese-like flavor. It tastes particularly good on popcorn.
- In terms of healthy years of life lost, the top five most devastating pathogen food combinations are Campylobacter and Salmonella bacteria in poultry, Toxoplasma parasites in pork, and Listeria bacteria in deli meats and dairy products. One of the reasons animal foods are the leading culprits is that most foodborne pathogens are fecal pathogens. Because plants don’t poop, the E. coli you may get from spinach didn’t actually originate in the spinach; E. coli is an intestinal pathogen, and spinach doesn’t have intestines. The application of manure to crops has been found to increase the odds of E. coli contamination by more than fifty fold.
- In vitro studies have shown that a variety of mushrooms, including plain white button mushrooms, appear to blunt the inflammatory response, potentially offering a boost in immune and anticancer function without aggravating diseases of inflammation. The first randomized, double-blind, placebo-controlled clinical study of its kind, published in 2014, confirmed an apparent antiallergy effect in children with a history of recurrent upper-respiratory-tract infections. Food Poisoning Pathogens (from the Greek pathos, for “suffering,” and genes, meaning “producer of”) can also be found in what you eat. Foodborne illness, or food poisoning, is an infection caused by eating contaminated food. According to the CDC, about one in six Americans develops food poisoning every year. Roughly forty-eight million people are sickened annually—larger than the combined populations of California and Massachusetts. More than one hundred thousand of them are hospitalized, and thousands die, just because of something they ate. In terms of healthy years of life lost, the top five most devastating pathogen food combinations are Campylobacter and Salmonella bacteria in poultry, Toxoplasma parasites in pork, and Listeria bacteria in deli meats and dairy products. One of the reasons animal foods are the leading culprits is that most foodborne pathogens are fecal pathogens. Because plants don’t poop, the E. coli you may get from spinach didn’t actually originate in the spinach; E. coli is an intestinal pathogen, and spinach doesn’t have intestines. The application of manure to crops has been found to increase the odds of E. coli contamination by more than fiftyfold. Eggs and Salmonella The single greatest public health burden in the United States in terms of food poisoning is Salmonella. It’s the leading cause of food poisoning-related hospitalizations, as well as the number-one cause of food poisoning-related death. And it’s on the rise. Over the past decade, the number of cases has increased by 44 percent, particularly among children and the elderly. Within twelve to seventy-two hours after infection, the most common symptoms appear—fever, diarrhea, and severe abdominal cramps. The illness typically lasts between four and seven days, but among children and the elderly, the disease can be severe enough to require hospitalization—or funeral arrangements. Many people associate Salmonella with eggs—and for good reason. In 2010, for instance, more than half a billion eggs were recalled due to Salmonella outbreaks. However, the egg industry mantra remained: Stop whining; eggs are safe. Responding to cries for a recall in an op-ed published in USA Today, the chairman of the industry trade group United Egg Producers insisted that “completely cooked eggs are completely safe eggs.” But what exactly does “completely cooked” mean?
- The disease called diabetes mellitus comes from two words: diabetes (Greek for “to pass through or siphon”) and mellitus (Latin for “honey sweet”). Diabetes mellitus is characterized by chronically elevated levels of sugar in your blood. This is because either your pancreas gland isn’t making enough insulin (the hormone that keeps your blood sugar in check) or because your body becomes resistant to insulin’s effects. The insulin-deficiency disease is called type 1 diabetes, and the insulin-resistance disease is called type 2 diabetes. If too much sugar builds up in your blood, it can overwhelm the kidneys and spill into your urine.
- So why aren’t more parents feeding their kids plant-based diets? There’s a common misconception in America that their growth will be stunted. However, the opposite may be true. Loma Linda University researchers found that children who eat vegetarian diets not only grow up leaner than kids who eat meat but taller, too, by about an inch. In contrast, meat intake is associated more with horizontal growth: The same researchers found a strong link between consumption of animal foods and increased risk of being overweight.
- Not all fats affect our muscle cells in the same way. For example, palmitate, the kind of saturated fat found mostly in meat, dairy, and eggs, causes insulin resistance. On the other hand, oleate, the monounsaturated fat found mostly in nuts, olives, and avocados, may actually protect against the detrimental effects of the saturated fat. Saturated fats can wreak all sorts of havoc in muscle cells and may result in the accumulation of more toxic breakdown products (such as ceramide and diacylglycerol)39 and free radicals and can cause inflammation and even mitochondrial dysfunction—that is, interference with the little power plants (mitochondria) within our cells.40 This phenomenon is known as lipotoxicity (lipo meaning fat, as in liposuction).41 If we take muscle biopsies from people, saturated fat buildup in the membranes of their muscle cells correlates with insulin resistance. Monounsaturated fats, however, are more likely to be detoxified by the body or safely stored away.
- Many population studies have shown that people who eat significant amounts of legumes (e.g., beans, split peas, chickpeas, and lentils) tend to weigh less. They also have slimmer waists, less obesity, and lower blood pressure compared to people who don’t eat many legumes.47 But couldn’t these benefits be due not to the legumes themselves but to the fact that people who eat more legumes may eat a healthier diet in general? To tease out the connection, researchers used the most powerful tool in nutrition research: the interventional trial. Instead of just observing what people eat, you change their diets to see what happens. In this case, they put legumes to the test by comparing extra legume consumption head-to-head against calorie restriction. Reducing belly fat may be the best way to prevent prediabetes from turning into full-blown diabetes. Though calorie cutting has been the cornerstone of most weight-loss strategies, evidence suggests that the majority of individuals who lose weight by portion control eventually regain it. Starving ourselves almost never works long term. So wouldn’t it be great if instead we could find a way to eat more food to get the same weight-loss benefit? The researchers divided overweight subjects into two groups. The first group was asked to eat one kilogram a week of lentils, chickpeas, split peas, or haricot beans—but not to change their diets in any other way. The second group was asked to simply cut out five hundred calories a day from their diets. Guess who got healthier? The group directed to eat more food. Eating legumes was shown to be just as effective at slimming waistlines and improving blood sugar control as calorie cutting. The legume group also gained additional benefits in the form of improved cholesterol and insulin regulation.48 This is encouraging news for overweight individuals at risk of type 2 diabetes. Instead of just eating smaller portions and reducing the quantity of the food they eat, they can also improve the quality of their food by eating legume-rich meals.
- Do those who avoid meat completely get enough nutrients? To find out, researchers looked at a day in the life of thirteen thousand people all across America. They compared the nutrient intake of those who ate meat to those who didn’t. The study found that, calorie for calorie, those eating vegetarian diets were getting higher intakes of nearly every nutrient: more fibre, more vitamin A, more vitamin C, more vitamin E, more of the B vitamins thiamin, riboflavin, and folate, as well as more calcium, magnesium, iron, and potassium. Furthermore, many of the nutrients that are so rich in plant-based diets are among the very ones that most Americans normally don’t get enough of—namely, vitamins A, C, E, not to mention fibre, calcium, magnesium, and potassium. At the same time, people who avoided meat also ingested fewer harmful substances, such as sodium, saturated fat, and cholesterol.
- Insulin treatments themselves may accelerate aging, worsen diabetic vision loss, and promote cancer, obesity, and atherosclerosis. Insulin can promote inflammation in the arteries, which may help explain the increased death rate in the intensively treated group. So rather than trying to overcome insulin resistance by brute force—just pumping in more and more insulin—isn’t it better to treat the disease itself by eliminating the unhealthy diet that caused it? That reminds me of people who undergo bypass surgery for clogged arteries. If they keep eating unhealthfully, their bypasses will eventually get clogged too. It’s better to treat the cause than the symptoms.
- So why didn’t I learn about any of this in medical school? There’s little money to be made from prescribing plants instead of pills. The neuropathy pain reversal study was published more than twenty years ago, and the blindness reversal studies more than fifty years ago. As one commentator wrote, “The neglect of this important work by the broader medical community is little short of unconscionable.”
- There may be an even better tool than BMI that we can use to gauge the health risks of body fat. It’s called Waist-to-Height Ratio, or WHtR.
- Unfortunately, doctors don’t tend to educate their patients about diabetes prevention. Only about one in three prediabetic patients reports ever being told by their doctors to exercise or to improve their diets. Possible reasons for not counseling patients include a lack of insurance reimbursement for the extra time spent, a lack of resources, a lack of time, and a lack of knowledge. We’re just not training doctors how to empower the people they serve.
- The current medical education system has yet to adapt to the great transformation of disease from acute to chronic. Medicine is no longer about just setting broken bones or curing strep throat. Such chronic diseases as diabetes are now the principal cause of death and disability in America, consuming three-quarters of the nation’s health care budget. Medical education has yet to recognize and respond to the changing nature of disease patterns, which now requires a focus on prevention and lifestyle change. How far behind the times is the medical profession? A report by the Institute of Medicine on medical training concluded that the fundamental approach to medical education has not changed since 1910.
- The two most prominent dietary risks for death and disability in the world may be not eating enough fruit and eating too much salt. Nearly five million people appear to die every year as a result of not eating enough fruit, while eating too much salt may kill up to four million. Salt is a compound made up of about 40 percent sodium and 60 percent chloride. Sodium is an essential nutrient, but vegetables and other natural foods provide the small amounts of sodium you need in your diet. If you consume too much, it can cause water retention, and your body may respond by raising your blood pressure to push the excess fluid and salt out of your system.
- The salt industry has its own PR and lobbying firms to play tobacco-industry-style tactics to downplay the dangers of its product. But the real villains aren’t necessarily the salt-mine barons—it’s the processed food industry. The trillion-dollar processed food industry uses dirt-cheap added salt and sugar to sell us their junk. That’s why it’s not easy avoiding sodium on the typical American diet, since three-quarters of salt comes from processed foods rather than a saltshaker. By hooking you on hypersweet and hypersalty foods, your taste buds get so dampened that natural foods can taste like cardboard. Indeed, the ripest fruit may not be as sweet as a high-sugar cereal snack such as Froot Loops.
- As we discussed earlier, the ideal blood pressure, defined as the level at which lowering it further yields no additional benefit, is probably around 110/70.
- Do omnivores who are as slim as vegans enjoy the same blood pressure? To answer this question, researchers would have to find a group of individuals who eat the standard American diet but are also as thin as people eating plant-based diets. To find an omnivorous group that fit and trim, researchers recruited long-distance endurance athletes who had run, on average, forty-eight miles per week for twenty-one years. Running almost two marathons a week for twenty years, pretty much anyone can become as slim as a plant eater no matter what they eat! The researchers then compared these hard-core athletes to two groups: sedentary meat eaters who exercised less than an hour per week and sedentary vegans who ate mostly unprocessed, uncooked plant foods. How did the numbers come out? Not surprisingly, the endurance runners on a standard American diet had a better blood pressure average than their sedentary, meat-eating counterparts: 122/72 compared with 132/79, which fits the definition of prehypertensive. But the sedentary vegans? They averaged an extraordinary 104/62. Apparently, eating standard American fare even when running two thousand miles a year may not bring down your blood pressure as low as a being a couch-potato vegan.
- Everyone agrees that heavy drinking, drinking during pregnancy, and binge drinking are bad ideas, but what about “moderate” drinking? Yes, excessive drinkers appear to significantly shorten their lives, but so can teetotalers.16 While smoking is bad for you and smoking a lot is worse, that logic may not hold for alcohol consumption. There actually appears to be a beneficial effect on overall mortality by drinking some alcohol—but only, it seems, for those who are not taking good care of themselves already. Moderate drinking does appear to protect against heart disease, perhaps because of a blood-thinning effect, but even light drinking (less than one drink a day) has been found to increase cancer risk, as you’ll see in chapter 11. How could something that increases cancer risk still prolong life? Cancer is “only” our second-leading killer disease. Because heart disease is the leading cause of death, it explains why people who drink moderately may live longer lives than those who abstain. But this advantage may be restricted only to those who fail to practice a bare modicum of healthy behaviors.19 To find out who might benefit from moderate alcohol consumption, researchers recruited close to ten thousand men and women and followed them for seventeen years after assessing their drinking and lifestyle habits. The results were published in a paper entitled “Who Benefits Most from the Cardioprotective Properties of Alcohol Consumption—Health Freaks or Couch Potatoes?” What constituted a “health freak”? According to the researchers’ definition, anyone who exercises thirty minutes a day, doesn’t smoke, and eats at least one serving of fruits or vegetables daily.(What does that say about our current diets if eating a single apple means you’re a “health freak”?) One to two drinks a day did lower the risk of heart disease for the “couch potatoes,” those living unhealthy lifestyles. But people who practiced even the bare minimum of healthy behaviors showed no benefit from alcohol. The lesson: Grapes, barley, and potatoes are best eaten in their nondistilled form, and Johnnie Walker is no substitute for actual walking.
- Drinking just one can of soda a day appears to raise the odds of getting fatty liver disease by 45 percent.
- The green algae chlorella looks promising for the treatment of hepatitis C. A randomized, double-blind, placebo-controlled study found that about two teaspoons a day of chlorella boosted the activity of natural killer cells in participants’ bodies, which can naturally kill hepatitis C-infected cells.37 A clinical study of hepatitis-C patients found that chlorella supplementation may lower the level of liver inflammation, but the study was small and uncontrolled. There is a desperate need for alternative treatments for hepatitis C, as older, less expensive therapies frequently fail due to their unbearable side effects, whereas newer, more tolerable drugs cost as much as $1,000 (£650) per pill.39 Chlorella may help as an adjunct (additional) therapy or for those who can’t tolerate or afford conventional antiviral therapy but may not be without risk (see here).
- We’ve all seen those marketing schemes involving products espousing all sorts of health claims. And given the pyramid-like multilevel structure of those types of distribution programs—you earn money by selling products and also for recruiting others to sell—word can spread pretty fast, which is particularly troubling when PR outruns the truth. Indeed, while the vast majority of drug-induced liver injuries are caused by conventional medications, liver damage caused by certain classes of dietary supplements can be even more serious and may lead to higher rates of liver transplants and death.50 Multilevel marketers of products later linked to toxic reactions (such as noni juice51 and Herbalife52) have pointed to scientific studies to support their health claims. However, a public health review found that such studies often seemed “deliberately created for marketing purposes” and were presented in such a way as to appear “designed to mislead potential consumers.” Often, multilevel marketing study researchers didn’t disclose their funding sources, but a little detective work can expose a web of financial conflicts of interest. These suspect studies were the same ones cited to provide proof of safety for their products. For example, a multilevel marketing company that sells mangosteen juice cited a study they paid for to support its assertion that their product is “safe for everyone.” The study involved exposing just thirty people to their product with another ten people given a placebo. With so few people tested, the stuff could literally kill 1 or 2 percent of users and you wouldn’t know. A study that the multilevel marketing company behind a supplement called Metabolife cited for safety placed thirty-five people on the stuff. Metabolife has since been withdrawn from the market after being linked to heart attacks, strokes, seizures, and deaths. Hydroxycitric acid, a component of such products as Hydroxycut, was studied on forty people. No serious adverse effects were found, but the story ended the same way: Hydroxycut was withdrawn after dozens of verified cases of organ damage were brought to light—including massive liver failure requiring transplantation and even death. Until the multibillion-dollar herbal supplement industry is better regulated, you’re better off saving your money—and your health—by sticking to real food.
- Specific plant foods have been found to be protective of the liver. For instance,
- Specific plant foods have been found to be protective of the liver. For instance, starting out the day with a bowl of oatmeal and (surprisingly) coffee may help safeguard our liver function. Oatmeal In numerous population studies, consumption of whole grains has been associated with reduced risk for a range of chronic diseases, but it’s hard to tease out whether eating whole grains may just be a marker for
- Specific plant foods have been found to be protective of the liver. For instance, starting out the day with a bowl of oatmeal and (surprisingly) coffee may help safeguard our liver function. Oatmeal In numerous population studies, consumption of whole grains has been associated with reduced risk for a range of chronic diseases, but it’s hard to tease out whether eating whole grains may just be a marker for a healthier lifestyle in general.
- The key to cancer prevention and treatment is to keep tumor cells from multiplying out of control while allowing healthy cells to grow normally. Chemotherapy and radiation can do a great job of wiping out cancer cells, but healthy cells can get caught in the crossfire. Some compounds in plants, though, may be more discriminating. For instance, sulforaphane, considered one of the more active components in cruciferous vegetables, kills human leukemia cells in a petri dish while having little impact on the growth of normal cells. As we’ve discussed, cruciferous vegetables include broccoli, cauliflower, and kale, but there are many others in this family, such as collard greens, watercress, bok choy, kohlrabi, rutabaga, turnips, rocket, radishes (including horseradish), wasabi, and all types of cabbage.
- In terms of antioxidant bang for your buck, açai berries get honorable mention, beating out other superstars, such as walnuts, apples, and cranberries. The bronze for best bargain, though, goes to cloves, the silver to cinnamon, and the gold for most antioxidants per pound—according to a USDA database of common foods—goes to purple cabbage. Açai berries, however, would probably make a tastier smoothie.
- Researchers at Harvard University followed thousands of healthy women, their diets, and their kidney function for more than a decade to look for the presence of protein in the women’s urine. Healthy kidneys work hard to retain protein and other vital nutrients, preferably filtering toxic or useless wastes out of the bloodstream via our urine. If the kidneys are leaking protein into urine, it’s a sign that they may be starting to fail. The researchers found three specific dietary components associated with this sign of declining kidney function: animal protein, animal fat, and cholesterol. Each of these is found in only one place: animal products. The researchers found no association between kidney function decline and the intake of protein or fat from plant sources.9
- Cholesterol too high from eating a diet unnaturally high in saturated fat and cholesterol? Take a statin drug to cripple your cholesterol-making enzyme. Diet unnaturally high in acid-forming foods? Swallow some bicarbonate of soda pills to balance that right out.
- Historically, the only accepted risk factor for kidney cancer has been tobacco use.99 A class of carcinogens in cigarette smoke called nitrosamines are considered to be so harmful that even so-called thirdhand smoke is a concern. The risks of tobacco smoke do not end when a cigarette is extinguished, as residual smoke can stick to walls and other surfaces.100 Around 80 percent of nitrosamines from cigarette smoke can remain in a room, even with normal ventilation,101 so always try to choose smoke-free hotel rooms. Nitrosamines are one of the reasons you can’t smoke indoors without endangering others, even if you smoke without anyone present. As one of the leading scholars in the tobacco control movement recently wrote, “Carcinogens of this strength in any other consumer product designed for human consumption would be banned immediately.”
- Did you know that one hot dog has as many nitrosamines (and nitrosamides, which are similar tobacco carcinogens) as four cigarettes and that these carcinogens are also found in fresh meat, including beef, chicken, and pork? This may help explain the rising rates of kidney cancer over the last few decades despite the falling rates of smoking.
- Current controversy over the cost and effectiveness of mammograms10 misses an important point: Breast cancer screening, by definition, does not prevent breast cancer. It can just pick up existing breast cancer. Based on autopsy studies, as many as 39 percent of women in their forties already have breast cancers growing within their bodies that may be simply too small to be detected by mammograms. That’s why you can’t just wait until diagnosis to start eating and living healthier. You should start tonight.
- In 2010, the official World Health Organization body that assesses cancer risks formally upgraded its classification of alcohol to a definitive human breast carcinogen. In 2014, it clarified its position by stating that, regarding breast cancer, no amount of alcohol is safe.
- The carcinogen isn’t alcohol itself. The culprit is actually the toxic breakdown product of alcohol called acetaldehyde, which can form in your mouth almost immediately after you take a sip. Experiments show that even holding a single teaspoon of spirits in your mouth for five seconds before spitting it out results in the production of potentially carcinogenic levels of acetaldehyde that lingers for more than ten minutes.
- The Harvard Nurses’ Health Study found that even less than one drink a day may be associated with a small increase in breast cancer risk. Interestingly, drinking only red wine was not associated with breast cancer risk. Why? A compound in red wine appears to suppress the activity of an enzyme called estrogen synthase, which breast tumors can use to create estrogen to fuel their own growth. This compound is found in the skin of the dark-purple grapes used to make red wine, which explains why white wine appears to provide no such benefit,25 since it’s produced without the skin.
- It’s good (and delicious) to know that strawberries, pomegranates, and plain white mushrooms may also suppress the potentially cancer-promoting enzyme.
- The gut bacteria’s role may help explain why women with frequent urinary tract infections may be at a higher risk of breast cancer: Every course of antibiotics you take can kill bacteria indiscriminately, meaning it may stymie the ability of the good bacteria in your gut to take full advantage of the lignans in your diet. (Yet another reason you should take antibiotics only when necessary.)
- Nearly forty thousand Americans take their own lives each year,1 and depression appears to be a leading cause. Thankfully, lifestyle interventions can help repair your mind as well as your body.
- Higher consumption of vegetables may cut the odds of developing depression by as much as 62 percent. A review in the journal Nutritional Neuroscience concluded that, in general, eating lots of fruits and veggies may present “a non-invasive, natural, and inexpensive therapeutic means to support a healthy brain.”
- Even on a day-to-day basis, studies have shown that the more fruits and vegetables you eat, the happier, calmer, and more energetic you may feel that day—and this positivity can spill over into the next day. For your diet to have a meaningful psychological impact, though, you may need to consume approximately seven servings of fruits or eight servings of vegetables each day.
- Among the carotenoids, lycopene (the red pigment in tomatoes) has the highest antioxidant activity. Indeed, a study of nearly one thousand elderly men and women found that people who ate tomatoes or tomato products daily had just half the odds of depression compared with those who ate them once a week or less.
- Thousands of published studies seem to have demonstrated that antidepressant drugs are effective. The key word here, though, may be published. What if drug companies decided to publish only those studies that showed a positive effect but quietly shelved and concealed any studies showing the drugs didn’t work? To find out if this was the case, researchers applied to the Food and Drug Administration under the U.S. Freedom of Information Act (FOIA) to get access to the published and unpublished studies submitted by pharmaceutical companies. What they found was shocking. According to the published literature, the results of nearly all antidepressant trials were positive. In contrast, FDA analysis of trial data—including the unpublished studies—demonstrated that roughly half of the trials showed the drugs didn’t work after all. When all the data—published and unpublished—was combined, antidepressants failed to show a clinically significant advantage over placebo sugar pills. This finding suggests that the placebo effect explains the apparent clinical effectiveness of antidepressants. In other words, improvements in mood may be a result of the patient’s belief in the power of the drug—not the drug itself.
- The researchers found that cow’s milk stimulated the growth of human prostate cancer cells in each of fourteen separate experiments, producing an average increase in cancer growth rate of more than 30 percent. In contrast, almond milk suppressed the growth of the cancer cells by more than 30 percent.
- But what cancer-promoting substance is there in eggs? How could eating less than an egg a day double the risk of cancer invasion? The answer may be choline, a compound found concentrated in eggs. Higher levels of choline in the blood have been associated with increased risk of developing prostate cancer in the first place. This may explain the link between eggs and cancer progression. But what about cancer mortality? In a paper entitled “Choline Intake and Risk of Lethal Prostate Cancer,” the same Harvard team found that men who consumed the most choline from food also had an increased risk of cancer death. Men who consume two and a half or more eggs per week—basically an egg every three days—may have an 81 percent increased risk of dying from prostate cancer.
- Ironically, the presence of choline in eggs is something the egg industry boasts about even though most Americans get more than enough choline. Mind you, the industry executives are aware of the cancer connection. Through the Freedom of Information Act, I was able to get my hands on an e-mail from the executive director of the Egg Nutrition Board directed to another egg industry executive that discussed the Harvard study suggesting that choline is a culprit in promoting cancer progression. “Certainly worth keeping in mind,” he wrote, “as we continue to promote choline as another good reason to consume eggs.”
- How does your body keep itself in balance? By sending chemical signals called hormones to all the cells. A key signal is a growth hormone called IGF-1. It sounds like a droid from Star Wars, but IGF-1 is actually a crucial factor in regulating cell growth. Levels go up when you’re a kid in order to power your development, but when you reach adulthood, IGF-1 levels diminish. It’s your body’s cue to stop producing more cells than it kills off. Should your levels of IGF-1 remain too high when you reach adulthood, however, your cells will constantly receive a message to grow, divide, and keep going and growing. Not surprisingly, the more IGF-1 you have in your bloodstream, the higher your risk for developing cancers, such as prostate cancer.
- The release of IGF-1 appears to be triggered by the consumption of animal protein. This may explain why you can so dramatically bolster the cancer-fighting power of your bloodstream within weeks of eating a plant-based diet. Remember the experiments in which dripping the blood from people eating healthy diets onto cancer cells wiped more of them out? Well, if you add back to the cancer cells the amount of IGF-1 that left the plant eaters’ systems, guess what happens? The diet-and-exercise effect disappears. The cancer cell growth comes surging back. This is how we suspect plant-based eating boosts our blood defenses: By reducing animal protein intake, we reduce our levels of IGF-1.91 After just eleven days of cutting back on animal protein, your IGF-1 levels can drop by 20 percent, and your levels of IGF-1 binding protein can jump by 50 percent. One of the ways your body tries to protect itself from cancer—that is, excessive growth—is by releasing a binding protein into your bloodstream to tie up any excess IGF-1. Think of it as the body’s emergency brake. Even if you’ve managed to down-regulate production of new IGF-1 through diet, what about all that excess IGF-1 still circulating from the bacon and eggs you may have eaten two weeks before? No problem: The liver releases a snatch squad of binding proteins to help take it out of circulation.
- I do not recommend that people ignore their doctors’ advice. Whatever you and your medical team decide together, healthy diet and lifestyle changes can presumably only help. That’s the nice thing about lifestyle interventions—they can be implemented in addition to whatever other treatment options are chosen. In a research setting, that can complicate matters, as you don’t know which action may be responsible for any improvement. But when facing a cancer diagnosis, you may want to opt for all the help you can get. Regardless of whether cancer patients elect for chemo, surgery, or radiation, they can always improve their diets. A prostate-healthy diet is a breast-healthy diet is a heart-healthy diet is a body-healthy diet.
- As the saying goes, an ounce of prevention is worth a pound of cure. That’s quaint, but a pound isn’t all that heavy. Why change your diet and lifestyle when you can just let modern medicine do its job of fixing you back up? Unfortunately, modern medicine isn’t nearly as effective as most people think.1 Doctors excel at treating acute conditions, such as mending broken bones and curing infections, but for chronic diseases, which are the leading causes of death and disability, conventional medicine doesn’t have much to offer and, in fact, can sometimes do more harm than good. For example, side effects from medications given in hospitals kill an estimated 106,000 Americans every year.2 That statistic alone effectively makes medical care the sixth-leading cause of death in the United States. And this number reflects only the number of deaths from taking the drugs as prescribed. An additional 7,000 people die every year from receiving the wrong medication by mistake, and 20,000 others die from other hospital errors.3
- “If it came from a plant, eat it. If it was made in a plant, don’t.”
- Sometimes, however, processing can make foods healthier. For example, tomato juice appears to be the one common juice that may actually be healthier than the whole fruit. The processing of tomato products boosts the availability of the antioxidant red pigment lycopene by as much as fivefold. Similarly, the removal of fat from cacao beans to make cocoa powder improves the nutritional profile, because cocoa butter is one of the rare saturated plant fats (along with coconut and palm kernel oils) that can raise your cholesterol.
- Foods are not so much good or bad as they are better or worse. All I’m saying is that unprocessed foods tend to be healthier than processed ones. Think of it this way: Eating almonds is healthier than drinking almond milk.
- Sometimes people’s diets take on a religiosity of their own. I remember a man once telling me that he could never “go plant based” because he could never give up his grandma’s chicken soup. Huh? Then don’t! After I asked him to say hello to his bubby for me, I told him that enjoying her soup shouldn’t keep him from making healthier choices the rest of the time. The problem with all-or-nothing thinking is that it keeps people from even taking the first steps.
- We cannot let the “perfect” be the enemy of the good.
- From a nutrition standpoint, the reason I don’t like the terms vegetarian and vegan is that they are only defined by what you don’t eat.
- There’s a concept in psychology called “decision fatigue” that marketers use to exploit consumers. It appears humans have a limited capacity to make many decisions in one short stretch of time, and the quality of our decisions will deteriorate to the extent that we eventually begin making downright irrational choices. Ever wonder why supermarkets stack the junk food at the checkout counter? After wading through the forty thousand items in the average supermarket, we end up with less willpower to resist impulse purchases.
- Whenever I was sitting down to a meal, I would ask myself, Could I add greens to this? Could I add beans to that? (I always have an open tin of beans in the fridge.) Can I sprinkle on some flax or pumpkin seeds, or maybe some dried fruit? The checklist just got me into the habit of thinking, How can I make this meal even healthier?
- Lentils are already one of the most nutrient-dense legumes. But when sprouted, their antioxidant power doubles (and even quintuples for chickpeas). Lentils can be easily sprouted into one of the healthiest possible snacks.
- Tinned beans are convenient, but are they as nutritious as home cooked? A recent study discovered that indeed tinned beans are as healthy as boiled beans—with one exception: sodium. Salt is often added to tinned beans, resulting in sodium levels up to one hundred times more than if you cooked them without any salt.
- America’s favorite fruits are apples and bananas, with antioxidant power of about 60 units and 40 units, respectively. Mangos, the preferred fruit around the world outside of the United States, have even more antioxidant punch at around 110 units. (It makes sense when you consider how much more colorful they are on the inside.) But none of these fruits are a match for berries. Strawberries weigh in at about 310 units per 120 grams, cranberries at 330, raspberries at 350, blueberries at 380 (though wild blueberries may have twice as much7), and blackberries at a whopping 650 units.
- Are frozen berries as nutritious as fresh ones? Studies on cherries, raspberries, and strawberries suggest that most of their nutrition is retained even when frozen. I usually opt for frozen berries since they last longer, are available year round, and tend to be cheaper. If you looked in our freezer right now, you’d see it’s about half frozen greens and half frozen berries. What do I do with those berries? Make ice cream, of course.
- Of course making berry ice cream or at least a berry-banana mix is even healthier. My favorite is chocolate. To make it, blend dark, sweet cherries or strawberries mixed with a tablespoon of cocoa power, a splash of a milk of your choice (more if you want a milkshake), a capfull of vanilla extract, and some pitted dates. If you didn’t yet get your nuts for the day, you can add some almond butter. Either way, you get an instant, decadent, chocolate dessert so nutritious that the more you eat, the healthier you are. Let me repeat that: The more you eat, the healthier you are
- A note of caution: For the same reason that high doses of anti-inflammatory drugs such as aspirin should be avoided during the third trimester of pregnancy, cocoa, berries, and other foods high in anti-inflammatory polyphenols should only be eaten in moderation in late pregnancy.

My Reading Notes:
- I put love into my food. I care for my husband and my children, the husband comes home, and I have a good family. Also, I try to mentally check to make sure that I haven’t hurt anyone, that the people around me are okay. I take time each night to think about the people around me, and think about what I eat, and what is important to me. I also do this during dinner. I take time to reflect. I’m not chasing the carrot any more.
- Scientific studies suggest that only about 25 percent of how long we live is dictated by genes, according to famous studies of Danish twins. The other 75 percent is determined by our lifestyles and the everyday choices we make. It follows that if we optimize our lifestyles, we can maximize our life expectancies within our biological limits.
- The question is—and here’s where I think the best health practices are really important—if you live to be 100 years old, what sort of 100-year-old are you going to be? Are you going to be bedridden and unable to take care of yourself? Or are you going to be reasonably independent and alert? To me, that’s what the best health practices can really have an impact on.
- Rather than exercising for the sake of exercising, try to make changes to your lifestyle. Ride a bicycle instead of driving. Walk to the store instead of driving. Use the stairs instead of the elevator. Build that into your lifestyle. The chances are that you will sustain that behavior for a much longer time. And the name of the game here is sustaining. These things that we try—usually after some cataclysmic event has occurred, and we now want to ward off what seems to be the more perceptible threat of dying—don’t hold up over the long haul. We find all sorts of reasons not to do it.
- There are some things I’d certainly recommend for what people would call successful aging. One of them is, in fact, to have a sense of social connectedness. Most people enjoy the company of other people, particularly other people who they feel care about them. That seems to give you a sense of well-being, whether that raises your endorphin level or lowers your cortisol level. We don’t know why. People have looked for biological markers, and they haven’t been successful at finding them. But something happens that makes life more worthwhile. The days take on more meaning.
- Zone data to demographers, also told us that environment and lifestyle might be more important factors than genetics to explain the longevity of Sardinians. “Consider, for instance, the genes of inflammation. We expected to find something interesting in Sardinian DNA. We studied several tens of gene variants related to inflammation but we didn’t find any evidence of their role in survival of Sardinians. The same for genes related to cancer, and those related to cardiovascular disease. I suspect that the characteristics of the environment, the lifestyle, and the food are by far more important for a healthy life.”
- I could see why residents here might be physically fit. A trip to a friend’s house or the local market meant a workout more rigorous than a half hour on a StairMaster. But the ominous creep of modernization was easy to see. Cars and trucks were parked in front of most houses, satellite dishes faced out from rooftops, and pizza, hamburger, and ice cream shops dotted the main street. To unlock Sardinia’s longevity secrets, we needed to focus on Barbagia’s traditional lifestyle—the one that existed before prosperity arrived in the 1950s.
- Their diet was fairly typical of families in the region before the American-style food culture arrived, as surveys from before the 1940s revealed. “Shepherds and peasants in Sardinia have an exceptionally simple diet, which is extraordinarily lean even by Mediterranean standards,” a 1941 survey reported. “Bread is by far the main food. Peasants leave early in the morning to the fields with a kilogram of bread in their saddlebag … At noon their meal consists only of bread, with some cheese among wealthier families, while the majority of the workers are satisfied with an onion, a little fennel, or a bunch of ravanelli. At dinner, the reunited family eats a single meal consisting of a vegetable soup (minestrone) to which the richest add some pasta. In most areas, families ate meat only once a week, on Sunday. In 26 of 71 municipalities surveyed, meat is a luxury eaten only during festivals, not more than twice a month. Interestingly for a Mediterranean culture, fish did not figure prominently into the diet.”
- I asked Pietrina how her mother had managed to live so long, and she gave me a one-word answer: grandchildren. “It’s about loving and being loved,” she said. “Not only has Nona helped raise the children, but she has also always told them they must get educated. Sometimes she gives them money, and she always prays for them. In return the children have felt this love and have returned it. They know that Nona expects them to succeed, so they try harder.” Two years ago, when she was at age 100, Nona got very sick. “She was in bed for days,” said Pietrina. “I thought she was going to die, so I called the family. Everyone came—4 daughters and 13 grandchildren—many of whom traveled back from the mainland. On the day we thought she was going to die, everyone had gathered around the bed to say goodbye. We didn’t actually think she could hear us. But when my nephew, who was a failing student, leaned over to say how much he was going to miss her, Nona opened her eyes and said, ‘I’m not going anywhere until you’re done with the university.’ Nona got better and my nephew went back and graduated.”
- Sardinians today have already taken on many of the trappings of modern life. Mechanization and technology have replaced long hours and hard work; cars and trucks have eliminated much of the need to walk long distances; a culture disseminated by television is replacing the one that put the emphasis on family and community; and junk foods are replacing the whole-grain breads and fresh vegetables traditionally consumed here. Young people are fatter, less inclined to follow tradition, and more outwardly focused (which also could lead to a dilution of this amazing gene pool). In 1960, almost no one in Sardinia’s Blue Zone was overweight. Now 15 percent of adolescents are. The most important and unique longevity factors have disappeared or are disappearing quickly from residents’ everyday lives.
- Is there a connection between respecting elders and longevity? Absolutely. Seniors who live at home are more likely to get better care and remain engaged. In Sardinia, they are expected to help with childcare and contribute to the functioning of the household. They have strong self-esteem and a clear purpose. They love, and they are loved. And as we shall see in forthcoming chapters, purpose and love are essential ingredients in all Blue Zone recipes for longevity.
- Since lifestyle, not genes, is the chief determinant of how long we live, I argued that the Okinawan Blue Zone offered the world’s best practices in health and longevity. During my first trip in 2000, I spent time with 13 centenarians and heard their stories.
- “In America we focus on battling diseases once they occur,” says Greg, 46, who completed residencies in both internal medicine and pediatrics at the University of Minnesota, holds a divinity degree from Harvard, and is one of the world’s leading experts on Kampo, Japan’s traditional herbal medicine. “However, in traditional Asian thought, the highest, most honored form of medicine was prevention, and the lowest was treatment. Today in Japan, the focus is on avoiding disease in the first place. There are massive national and local efforts underway to prevent diabetes and heart disease. Japan’s priorities represent a profoundly different way of understanding medicine.”
- Kentucky Fried Chicken and McDonald’s were the last calamity to befall Okinawa; the fast-food invasion has threatened many of the positive behaviors that led to Okinawan longevity. It really rests with women over 70, he told me. “Men under 55 in Okinawa are now among the most obese, and do not live much longer than the Japanese average. So you better work fast.”
- “I had hair that came down to my waist. It took me a long time to realize that beauty is within. It comes from not worrying so much about your own problems. Sometimes you can best take care of yourself by taking care of others.”
- We’re used to a world of options, and we think, ‘Of all the options, what are the best?’ Okinawans are just born into a lifestyle that promotes health. They have been blessed by access to year-round fresh, organic vegetables, strong social support, and these amazing herbs that amount to preventive medicines.”
- “Do you see how she springs up and down from the mat?” How many 80-year-olds back home can get up from the floor like that? Gozei’s over 100 and probably gets up and down 30 times a day. For her age, she has incredibly good lower body strength and balance. That makes a huge difference in old-age mortality because falls and broken bones are usually fatal when seniors reach a certain age.”
- Months later on a return trip to Okinawa, I was to meet Kamata in the old-age recreation center where she spends her days. Inside, 30 or so seniors sat at tables chatting or doing crafts. It looked like a bright, cheerful kindergarten with hand-drawn pictures on the walls and board games on the table. But it smelled, as these places often do, of urine. Bent old men hobbled by with walkers; one lady slouched in a chair with a string of drool hanging from her mouth like clear spaghetti. Though Kamada and Gozei don’t have access to this type of recreation, it struck me that they were better off with their gardens, their moais, and the weekend visits from grandkids.
- “Japan has seven semi-supercentenarians per million people,” Hirose said, referring to those over age 110. In Okinawa, the rate is 35 semi-supercentenarians per million. “Perhaps it’s because in the north, where it’s colder, old people are more likely to die of respiratory infections. Or because in Okinawa they can grow vegetables year-round and therefore eat fewer salty pickles and canned meat. Or perhaps exposure to more sun gives Okinawans an advantage?” That would support Greg’s vitamin D theory.
- A nonagenarian is a person who is in his or her 90s, a centenarian is someone who reaches the age 100 and older, but a supercentenarian is a person aged 110 and higher. Today, the exact number of supercentenarians in the world is unknown, but studies show that worldwide their overall numbers have been increasing steadily since the 1980s.
- “Now when you talk about AHS-1 and cancer, it gets a little more controversial,” he cautioned. “Because, despite hundreds of studies and huge amounts of press, what epidemiologists know with certainty about diet and cancer can be stated in a single paragraph. And that would say that consuming fruits and vegetables and whole grains
- “Now when you talk about AHS-1 and cancer, it gets a little more controversial,” he cautioned. “Because, despite hundreds of studies and huge amounts of press, what epidemiologists know with certainty about diet and cancer can be stated in a single paragraph. And that would say that consuming fruits and vegetables and whole grains seems to be protective for a wide variety of cancers.”
- In fact we just cracked some numbers from AHS-2 that show that Adventists who are what we call lacto-ovo vegetarians, meaning they eat eggs and other dairy products, still are an average of 16 pounds lighter than Adventists of the same height who are nonvegetarian. And Adventists who are strictly vegan, which is only 4 percent, are 30 to 32 pounds lighter than nonvegetarian Adventists of the same height. That has a huge impact on cardiovascular disease, on blood pressure, on blood cholesterol, on inflammation related to hormones and the way it stimulates cells in the body.”
- She grew up poor in what was then rural California, close enough to San Francisco to have a vague memory of water sloshing around in the family animal trough during the great 1906 earthquake. Her father was a mule skinner. Her mother converted to Adventism when Marge was 9 months old, so Marge rarely ate meat and hadn’t now for more than 50 years. “My father was a fun man; he’d laugh and pull jokes on us and torment my mother. I’m like him a little bit. I always wanted to do things for people. When I was a little girl I used to tell my mother to go to bed so I could bring her things. I waited on tables when I was 14, and then I worked in a fruit cannery to help the family, but I knew I had to stay in school to become a nurse. My father died of pneumonia before I graduated, but I knew he was proud of me.”
- A stranger is a friend we haven’t met yet.
- Some people walked by and Marge waited until they were out of earshot, then said, “There are some folks in here who are 80 years old. I was out still working when I was 80. I tell them, ‘I’m old enough to be your mother!’ ”
- A few minutes later, it was time for me to go. When I complimented Marge on her firm handshake bidding me adieu, she replied, “I’m a strong woman. That comes from all the massages I have given in my life. Say, you need to remember to send me what you write. People come and talk to me because I’m old, and that’s the last I hear from them. They probably think I’m going to die, or have already died. But I’m still here.”
- For all the sweat rolling into his eyes, however, Wareham couldn’t see much of anything. When he wiped his brow with his forearm, it was as if he had used a squeegee to send water down the rest of his body, soaking his clothes. His shoulder muscles showed through his clinging T-shirt as he struggled to corkscrew the post-hole digger through the packed soil. Recently, a contractor had presented Wareham with an estimate of $5,000 to install an eight-foot-high wooden fence along a steep hillside on the edge of his property. By consulting his local discount hardware store, he had learned that the fence materials would cost only about $2,000. So he decided to do the work himself. Thus far he’d sunk a couple of poles and sealed a couple of holes, but there was an imposing pile of posts and fence sections left. There was also a potentially significant complication: Ellsworth Wareham was in his 90s. He was born in 1914.
- Four days later, Wareham was in open-heart surgery at a community hospital on the edge of Los Angeles. But he was not the one on the table. He had a scalpel in his hand.
- “I think it is important for me to keep active,” he said, gesturing for me to take a seat in his study. “People say, ‘Oh, I don’t drive at night.’ Well, I drive over 2,000 miles a month on Southern California freeways, much of it at night. I think it keeps me alert.”
- As a surgeon he was a pioneer of open-heart procedures. (Dr. Leonard Bailey, who has performed more infant heart transplants than anyone in the world, unabashedly refers to Wareham as “my mentor.”) When rudimentary open-heart surgery was first practiced in the early 1950s, Wareham saw the emergence of a new field and extended his residency to acquire the necessary expertise. But what he saw on the operating table would have a profound effect on his own health habits. “In the early days, when we used the heart-lung machine, we connected the arterial line to a cannula in the leg artery, later it would be straight into the aorta,” he said. “But I observed when I was cutting into the thighs of these patients that those who were vegetarians had better arteries.” “When we did the surgery,” he continued, “if it was a nice, smooth artery, I went back later and asked the patient, and it turned out that he or she was a vegetarian. And those who really had a lot of heavy calcium and plaque in the arteries, their diet would not be toward the vegetarian side. Now that wasn’t true 100 percent, and I didn’t keep any statistics or write any papers or anything; it was just something I observed. But I began thinking about it. And I saw people getting their toes cut off or their feet cut off because of vascular disease, and that motivated me. So it was a gradual thing.” In middle age, he decided to become a vegan.
- A combination of four types of exercise will keep the body balanced and strong. Endurance: Activities like walking, hiking, swimming, and cycling improve the health of the cardiovascular system. Strength: Lifting weights builds up and maintains muscles. Flexibility: Stretching keeps us limber and flexible. Balance: Practicing balance through activities like yoga will help avoid falls.
- The longer Wareham talks, the more apparent it became that he’s a walking advertisement for the Blue Zone lifestyle of the Adventists. “I am very fond of nuts, all kinds of nuts,” he said happily. “I have to restrain myself. Most days I eat two meals, first around ten in the morning and then again around four in the afternoon, so I can keep my weight down. When I eat, I really enjoy it, and twice a day is enough. Nuts are usually part of the menu. I know walnuts are reported to be very good for you, but I don’t eat them because I enjoy peanuts and cashews and almonds so much. Sometimes I get purist and think I should eat them raw, but really, whatever is handy. I am not a nutritionist, and I don’t profess to be.” Another thing that helps keep the weight off is drinking water, Wareham noted, as, almost in gentle rebuttal, his wife entered and gave us both a glass of cranberry juice. “I became aware some years ago that water is highly important to health, and I do make an effort to drink a lot of it. I’ll drink maybe three glasses of water when I first get up, because I want to make sure before I get busy and forget to have some. Then when I get home I have some more. And one of my little rituals is to never pass a water fountain without having a drink. It adds up.
- As we negotiated our way through the dogs and walked toward my car, Wareham closed with his own little pep talk. “It is so simple just to get on a good program. I don’t have great genes. I just try to observe broad principles that anybody can pick up, and I still don’t take any blood pressure medication. We are especially blessed out here in California, where there are so many good things to eat. “People talk about curing cancer and heart disease, and of course it is an important and worthy goal that can’t happen soon enough. But there are simple things everyone could be doing right now that would save so much money and suffering—like drinking enough water every day, exercise, and eating healthy food. But hey,” Wareham said, suddenly catching himself in his fervor, “everybody has his own idea about these things—it’s their lives, after all. You can tell somebody what to do, but it’s up to them whether they do it. But you can tell them how good you feel.”
- Studies have found that a belly laugh a day may keep the doctor away. In 2005, researchers at the University of Maryland showed that laughter helped relax blood vessels, linking it to healthier function and a possible decreased risk of heart attack. Others have found that laughter may lower blood pressure and increase the amount of disease-fighting cells found in the body.
- Eat an early, light dinner. “Eat breakfast like a king, lunch like a prince, and dinner like a pauper,” American nutritionist Adelle Davis is said to have recommended—an attitude also reflected in Adventist practices. A light dinner early in the evening avoids flooding the body with calories during the inactive parts of the day. It seems to promote better sleep and a lower BMI.
- Put more plants in your diet. Nonsmoking Adventists who ate 2 or more servings of fruit per day had about 70 percent fewer lung cancers than nonsmokers who ate fruit only once or twice a week. Adventists who ate legumes such as peas and beans 3 times a week had a 30 to 40 percent reduction in colon cancer. Adventist women who consumed tomatoes at least three or four times a week reduced their chance of getting ovarian cancer by 70 percent over those who ate tomatoes less often. Eating a lot of tomatoes also seemed to have an effect on reducing prostate cancer for men.
- Drink plenty of water. The AHS suggests that men who drank 5 or 6 daily glasses of water had a substantial reduction in the risk of a fatal heart attack—60 to 70 percent—compared to those who drank considerably less.
- Getting enough sleep keeps the immune system functioning smoothly, decreases the risk of heart attack, and recharges the brain. Adults both young and old need between 7 to 9 hours per night. To help get it, go to bed at the same time every night and wake up the same time each morning; keep your bedroom dark, quiet, and cool; and use a comfortable mattress and pillows.
- “We notice that the most highly functioning people over 90 in Nicoya have a few common traits,” she told me. “One of them is that they feel a strong sense of service to others or care for their family. We see that as soon as they lose this, the switch goes off. They die very quickly if they don’t feel needed.” Indeed, in every Blue Zone, centenarians possess a strong sense of purpose. In Okinawa it was ikigai—the reason to wake up in the morning. Here, said Fernández, the Costa Ricans called it plan de vida.
- Here was a man who still pushed himself to rise at four every Saturday morning, travel to the market, and buy the food to provide for his family. Maybe it’s the inertia of duty that keeps him going or the sense of caring and feeling good about doing something for others. Or perhaps it’s the human imperative to feel needed that keeps the river of life running through Don Faustino.
- The garden had dozens of fruit trees,” she said, clicking through images of banana, lemon, and orange trees. “But then he showed me these wildly exotic fruits.” There was the marañón, a red-orange fruit five times richer in vitamin C than oranges; anona, which looks like a misshapen, thick-skinned pear known to have selective toxicity against various types of cancer cells; and wild ginger, a great source of vitamin B6, magnesium, and manganese. “All of these are antioxidant powerhouses associated with disease prevention and longer life,” Eliza informed us. “At the edge of the garden, Aureliano showed me the corn and bean field he tends and harvests twice a year. He showed me how the low-growing beans provide moisture-capturing ground cover and fix nitrogen in the soil and, in turn, how the corn provides stalks for the bean vines to climb. “He took me back to the house where he showed me how the corn is dried, then soaked in water with ash and lime, to loosen the tough outer skin,” Eliza explained. “Then his wife demonstrated how the corn is ground, made into dough, patted into tortillas, and served with beans and squash. This creates the foundation of perhaps the best longevity diet the world has ever known,” Eliza said with some excitement. “This food combination is rich in complex carbohydrates, protein, calcium, and niacin. Recent research shows that in high doses maize can reduce bad cholesterol and augment good cholesterol.” Eliza looked up at us and shuffled her papers. “In San José I interviewed Professor Leonardo Mata, who proposed that the most significant component of this food triangle is maize (corn). Here, the fact that they use lime—which is calcium hydroxide—to cook the kernels makes all the difference. It infuses the grain with a high concentration of calcium greater than in untreated maize and most other foods, and unlocks certain amino acids for the body to absorb. Nicoyans call the resulting maize dough maíz nixquezado.
- “Just 15 kilometers over there,” he continued, pointing beyond the grown-over remains of Lagada, across the smoky-blue Aegean, to an island on the horizon, “you have Samos. It’s a completely different world. There they are much more developed. There are high-rises and resorts and homes worth a million euros. In Samos, they care about money. Here, we don’t. For the many religious and cultural holidays, people pool their money and buy food and wine. If there is money left over, they give it to the poor. It’s not a ‘me’ place. It’s an ‘us’ place.”
- Your kindergarten teacher may be onto something—napping is good for you. Any time you can rest and recharge is good, but a study by the University of Athens Medical School and the Harvard School of Public Health found that people who took naps had lower coronary mortality than those who didn’t. The researchers defined “regular” naps as the kind that took place at least three times a week for about 30 minutes.
- One memory of that visit, more than any other, conveys the feeling of living in a Blue Zone. Vasilis and Eleutheria had taken me on a tour of their property (they introduced their pigs to me by name). It was just after sunset and we had come back into their hut and were drinking tea. Another ancient couple walked in, carrying a glass amphora of homemade wine. The four nonagenarians cheek-kissed one another heartily and settled in around the table. Eleutheria lit three candles that cast a glow over the room. Vasilis offered a toast that brought forth a loud “Yamas!” (Cheers!) They settled into gossip, drank wine, and occasionally erupted into endearingly geriatric laughter. I could not understand their conversation, but I thought about how this could be such a powerful routine. Humans have succeeded as a species because we are social creatures with the capacity to cooperate. In the same way that we get pleasure from sex and eating, socializing brings us a fundamental satisfaction. But in today’s hectic society, too many of us let TV or “busyness” push face-to-face time out of our lives. Not here.
- HERBAL TEAS. Ikarians drink herbal teas made from wild oregano, sage, and rosemary—all of which lower blood pressure. How they drink them is important too: They drink these teas daily but rotate flavors—to not get too much of any one compound. Researchers have also found that chamomile tea contains properties that guard against platelet clumping; peppermint tea exhibits antiviral properties; and hibiscus tea may lower blood pressure.
- LEAFY GREENS Salads offer a great way to eat a variety of vegetables, but the greens themselves also can be full of vitamins and minerals. Leafy greens are low in sodium and calories, and they are completely cholesterol free. Greens contain vitamins (A and C), folate, calcium, fiber, and phytonutrients. When picking greens, look for those that are darker green or red because they tend to have more nutrients than lighter varieties.
- Ask centenarians on Ikaria how they got to be 100 and they’ll usually tell you about the clean air and the wine. One 101-year-old lady shrugged and said, “We just forget to die.” The reality is they have no idea how they got to be so old. But pay careful attention to the way they lived their lives and you can see a dozen subtly powerful, mutually enhancing, and omnipresent factors at work. It’s easy to get enough rest if no one else wakes up early and the village goes dead during afternoon nap time. The cheapest, most accessible foods are also the healthiest—and your ancestors have spent centuries developing recipes to make them taste good. So that’s what you eat. You cannot get through the day in Ikaria without walking up 20 hills. You’ll never feel the stress of arriving late because everyone else does. Your community makes sure you’ll always have something to eat, but they’ll also peer-pressure you into contributing something too. You’re going to grow a garden, because that’s what your parents did, and that’s what your neighbors are doing. You’re less likely to be a victim of crime because everyone’s at once a busybody and feels like they’re being watched. At day’s end, you’ll share a cup of the seasonal herbal tea with your neighbor because that’s what he’s serving. Several glasses of wine may follow that cup of tea, but you’ll drink them in the company of good friends. On Sunday, you’ll be at church and you’ll fast on Orthodox feast days. And even if you try to be alone (isolation shaves good years off your life), or you’re a jerk, or you have the social agility of a small soap dish, you will never be entirely alone. Your neighbors will cajole you out of your house for the village festival to eat your portion of goat meat.
- You can tie any of these factors to longevity and build an interesting story around each one. That’s what the $20 billion diet industry and $21 billion health club industry do in their effort to convince us that if we take the right pill, eat the right food, or do the right workout, we’ll be healthier, lose weight, and live longer. But these strategies don’t work. Not because they’re wrong-minded: It’s a good idea for people to eat the right foods, get exercise, and possibly even take nutritional supplements (though they don’t figure into Blue Zone longevity). The problem is, as habits they don’t last. It’s said that diets fail for 98 percent of the people who start them; gym memberships last on average nine months; and people only take pills for about three years before they get bored with the habit. After studying Blue Zones for nearly a decade, the big aha for me is how the agents of longevity reinforce one another for the long term. If you want people to adopt a healthy lifestyle, you need to build an ecosystem around them. As soon as you take culture, belonging, purpose, or religion out of the picture, the foundation collapses. There’s no silver bullet. The power lies in the mutually reinforcing relationship between lots of little bullets. The secret is silver buckshot.
- Studies have indicated that nuts may help protect the heart by reducing total blood cholesterol levels. In a large, ongoing population study from Harvard University’s School of Public Health, people who often ate nuts had lower risks of coronary heart disease than those who rarely or never ate nuts. The Adventist Health Study (AHS) showed that the person who ate nuts at least five times per week, two ounces per serving, lived on average about two years longer than those who didn’t eat nuts.
- The best nuts are almonds, peanuts, pecans, pistachios, hazelnuts, walnuts, and some pine nuts. Brazil nuts, cashews, and macadamias have a little more saturated fat and are less desirable. But all nuts are good.
- Take time to see the big picture Okinawans call it ikigai, and Nicoyans call it plan de vida, but in both cultures the phrase essentially translates to “why I wake up in the morning.” The strong sense of purpose possessed by older Okinawans may act as a buffer against stress and help reduce their chances of suffering from Alzheimer’s disease, arthritis, and stroke. Dr. Robert Butler and collaborators led an NIH-funded study that looked at the correlation between having a sense of purpose and longevity. His 11-year study followed highly functioning people between the ages of 65 and 92 and found that individuals who expressed a clear goal in life—something to get up for in the morning, something that made a difference—lived longer and were sharper than those who did not. It was also reported that immediately following December 31, 1999, demographers saw a spike in deaths among elders. These older people, in other words, may have willed themselves to stay alive into the new millennium. A sense of purpose may come from something as simple as seeing that children or grandchildren grow up well. Purpose can come from a job or a hobby, especially if you can immerse yourself completely in it. Claremont University psychologist Dr. Mihály Csíkszentmihályi best describes this feeling in his book, Flow: The Psychology of Optimal Experience. He defines flow as a Zen-like state of total oneness with the activity at hand in which you feel fully immersed in what you’re doing. It’s characterized by a sense of freedom, enjoyment, fulfillment, and skill, and while you’re in it, temporal concerns (time, food, ego/self, etc.) are typically ignored. If you can identify the activity that gives you this sense of flow and make it the focus of your job or hobby, it can also become your sense of purpose. A new activity can give you purpose as well. Learning a musical instrument or a new language gives you a double bonus, since both have been shown to help keep your brain sharper longer. “Exercising your brain is important,” says Dr. Thomas Perls of Boston University Medical School. “Doing things that are novel and complex. Once you get good at them, and they are no longer novel, then you move on to something else. So you’re kind of doing strength training for the brain, and that has been shown to decrease your rate of memory loss, and maybe even decrease the rate at which one might develop Alzheimer’s disease.”
- Craft a personal mission statement. If you don’t have a sense of purpose, how do you find it? Articulating your personal mission statement can be a good start. Begin by answering this question in a single, memorable sentence: Why do you get up in the morning? Consider what you’re passionate about, how you enjoy using your talents, and what is truly important to you.
- Take time to relieve stress Sardinians pour into the streets at 5 p.m., while Nicoyans take a break every afternoon to rest and socialize with friends. Remember Ushi and her moai? They gather every evening before supper to socialize. People who’ve made it to 100 seem to exude a sense of sublime serenity. Part of it is that their bodies naturally slow down as they have aged, but they’re also wise enough to know that many of life’s most precious moments pass us by if we’re lurching blindly toward some goal. I remember watching Gozei Shinzato pause to watch a brilliant thunderstorm as she washed her breakfast dishes in Okinawa, and Sardinian shepherd Tonino Tola stop to take a long look over the emerald green plateaus below. He’d seen that same sweeping view for almost 80 years, yet still took time every day to appreciate it.
- The result seems to be a greater sense of well-being. But how does slowing down help you live longer? The answer may have something to do with chronic inflammation. Inflammation is the body’s reaction to stress. That stress can come in the form of an injury, an infection, or anxiety. Small amounts of stress can be good—for fighting off disease, helping us heal, or preparing us for a traumatic event. But when we chronically trigger inflammation, our bodies can turn on themselves. Italian endocrinologist Dr. Claudio Franceschi has developed a widely accepted theory on the relationship between chronic inflammation and aging. Over time, he believes, the negative effects of inflammation build up to create conditions in the body that may promote age-related diseases such as Alzheimer’s disease, atherosclerosis, diabetes, and cardiovascular disease. Slowing life’s pace may help keep the chronic inflammation in check, and theoretically, the related disease at bay. Apart from such health benefits, this Blue Zone lesson does much to add richness to life. Slowing down ties together so many of the other lessons—eating right, appreciating friends, finding time for spirituality, making family a priority, creating things that bring purpose.
- Reduce the noise. Minimizing time spent with television, radio, and the Internet can help reduce the amount of aural clutter in your life. Rid your home of as many TVs and radios as possible, or limit them to just one room. Most electronic entertainment just feeds mind chatter and works counter to the notion of slowing down. Be early. Plan to arrive 15 minutes early to every appointment. This one practice minimizes the stress that arises from traffic, getting lost, or underestimating travel time. It allows you to slow down and focus before a meeting or event. Meditate. Create a space in your home that is quiet, not too hot and not too cold, not too dark and not too light. Furnish the space with a meditation cushion or chair. Establish a regular meditation schedule, and try to meditate every day no matter what (but also not stressing out if you fail to do so). Start with 10 minutes a day, and try to work up to 30 minutes a day. Try to meditate with others occasionally.
- Put family first. Invest time and energy in your children, your spouse, and your parents. Play with your children, nurture your marriage, and honor your parents.
- Identify your inner circle. Know the people who reinforce the right habits, people who understand or live by Blue Zone secrets. Go through your address book or your contact list of friends. Think about which ones support healthy habits and challenge you mentally, and which ones you can truly rely on in case of need. Put a big “BZ” by their names. Ideally, family members are the first names on that list. Be likable. Of the centenarians interviewed, there wasn’t a grump in the bunch. Dr. Nobuyoshi Hirose, one of Japan’s preeminent longevity experts, had a similar observation. Some people are born popular, and people are naturally drawn to them. Likable old people are more likely to have a social network, frequent visitors, and de facto caregivers. They seem to experience less stress and live purposeful lives. Create time together. Spend at least 30 minutes a day with members of your inner circle. Establish a regular time to meet or share a meal together. Take a daily walk. Building a strong friendship requires some effort, but it is an investment that can pay back handsomely in added years.
- To me, they offered a lesson about decline. I know that our bones will soften and our arteries will harden. Our hearing will dull and our vision will fade. We’ll slow down. And, finally, our bodies will fail altogether, and we’ll die. How this decline unfolds is up to us. The calculus of aging offers us two options: We can live a shorter life with more years of disability, or we can live the longest possible life with the fewest bad years. As my centenarian friends showed me, the choice is largely up to us.

My Reading Notes:
- Contrary to the notion that if we live longer we will extend the “sickness” period, our data indicate that by understanding how the human body is maintained while young, we can stay fully functional into our nineties, hundreds, and beyond. One of the primary ways to achieve this is to exploit our body’s innate ability to regenerate itself at the cellular and organ levels. Unfortunately, the modern diet, and the constant consumption that characterizes the way so much of the first world eats, keeps these built-in mechanisms permanently switched off, leaving us prematurely vulnerable to disease and degeneration beginning in our thirties and forties.
- It also helped me realize that in order to understand how people can live long, healthy lives, we need to go beyond scientific, epidemiological, and clinical studies and investigate actual populations that age successfully.
- As I will explain in more detail in a later chapter, our recent studies indicate that a protein-rich diet, which can increase muscle size, may not necessarily translate into increased muscle strength and that a periodic low-protein, low-sugar diet, alternating with periods of normal protein intake, may do more to generate new muscle cells (which we currently think has more to do with strength than size does) while promoting health.
- Think of health without negatively affecting muscle mass and strength. The answer lies in nutritechnology, a new field I have helped create, in which we treat ingredients found in normal food as a complex set of molecules that, in specific doses and combinations, can have drug-like beneficial properties that we can harness to delay aging and prevent disease.
- Among the longevity factors within your control, what you eat is the primary choice you can make that will affect whether you live to 60, 80, 100, or 110—and more important, whether you will get there in good health. So when it comes to dietary recommendations, it’s crucial to listen to the right people.
- The type of food you eat determines whether your brain will use glucose or ketone bodies to obtain energy; and if you’re a woman, the type and quantity of food you eat can affect your chances of becoming pregnant. It’s important to eat food you truly enjoy, but it’s also important to eliminate or minimize the consumption of food that will make your life shorter and sicker, and to increase the consumption of nutrients that will make your life longer and healthier.
- By reducing the supplementation frequency to relatively low doses and two or three times per week, we minimize the chance of a toxic effect while still avoiding malnourishment due to a lack of a particular vitamin or mineral.
- By reducing calorie intake, particularly reducing calories from proteins and sugars, you can decrease the activities of the growth hormone receptor, and thus of the TOR-S6K and PKA genes known to accelerate aging. These findings represent the “basic/juventology research” pillar, necessary to establish how nutrients act on the aging process. As a consequence of not recognizing
- Bicycling may be healthier than running because it minimizes stress on the joints. However, a long-term study showed that long-distance running among healthy older adults was not associated with osteoarthritis so an injury caused by long-distance running may be less common than we would expect. In fact, another study that followed 74,752 runners for seven years concluded that running reduced both weight and the risk of osteoarthritis.4
- In our cancer studies with mice, we had determined that four major changes in the blood need to occur to show that the mouse had entered a protected state as a result of fasting: (1) lower levels of the growth factor IGF-1; (2) lower levels of glucose; (3) higher levels of ketone bodies, the by-product of fat breakdown; and (4) higher levels of a growth factor inhibitor (IGFBP1).
- A label that is now widely used by the media is “Intermittent Fasting.” I believe this represents a problematic direction because, like the “Mediterranean Diet” or “eating in moderation” it allows people to improvise and pick and choose periods of fasting that range from 12 hours to weeks, giving the impression that just because they all involve some period of “abstention from food” they are similar or equivalent and all provide health benefits. In fact, they have very different effects. For example, if we consider fasting as the period necessary to switch from a primarily sugar-burning mode to a fat-burning mode, then only periods of abstention from food lasting two or three days or more can be considered fasting. The same length of fasting appears to be necessary to trigger the activation of “regenerative” programs. This does not mean that shorter periods of abstention from food cannot be beneficial, but that we should not use words like “Intermittent Fasting” to include interventions that are very different and have very different effects just like we don’t want to place in the same category walking for fifteen minutes and running a marathon.
- Organisms don’t waste precious resources generating molecules they don’t need. The right therapy for high cholesterol and cardiovascular disease is not to block generation of this molecule, but to find out what is not functioning properly in the body and what command the system is responding to when overproducing cholesterol, so that the problem can be fixed at its foundation. Simply blocking the generation of cholesterol is like adding coolant to an overheated car engine—it will undoubtedly help, but the underlying engine problem remains, and eventually the car will break down.
- Extensive animal testing from at least six independent laboratories shows the efficacy of fasting or FMD in increasing the effect of standard therapy on breast cancer, prostate cancer, colorectal cancer, pancreatic cancer, neuroblastoma, glioma, lung cancer, mesothelioma, melanoma, and others.
- Remaining both physically and mentally active has been shown to protect against age-related dementias. A review of all the studies on exercise and dementia, covering eight hundred patients and eighteen randomized clinical trials, concluded that physical activity—particularly aerobic exercise, such as running and swimming—improves cognitive function in patients with dementia
- Remaining both physically and mentally active has been shown to protect against age-related dementias. A review of all the studies on exercise and dementia, covering eight hundred patients and eighteen randomized clinical trials, concluded that physical activity—particularly aerobic exercise, such as running and swimming—improves cognitive function in patients

My Reading Notes:
- You already know everything to succeed.
- Consistency is the key to success. Otherwise it takes so much longer to see payoff.
- No man’s land = it is a place where you’re not really happy but you’re not unhappy enough to do anything about it. That’s a dangerous place.
- Success is a result of small smart choices completed consistently over long time.
- Success can cloud your perspective and can make you lower your expectations.
- Knowledge uninvested is wasted. Knowledge is potential power.
- Take 100 of responsibility for making the relationship work; it will work.
- You alone are responsible for what you do, don’t do or how you respond to what’s done to you.
- Tracking your progress makes you aware of where you are putting your effort and whether you neglect it.
- Start saving; 10 saving on Peace Of Mind Account.
- Ask questions:
- Where do you want to live?
- What type of people you want to surround yourself around?
- Do you want to work nights & weekends?
- Do you want to travel? How much? Where?
- Do you want to short commute?
- How do you want to dress?
- Don’t sacrifice your life for what’s really important in your life for too little.
- Success is something you attract by the person you become.
- Think of who you are in the context of Entertainment (Consumption) vs. Education (Creation)
- Where attention goes our energy flows.
- Installing Good Habits:
- Set yourself up to succeed: fit it into your schedule, make it easy.
- Think addition, not subtraction: it’s what you put in that makes it positive, focus on what you have rather than what you sacrifice.
- Go for PDA (Public Display Announcement).
- Find a success buddy: someone who will keep you accountable.
- Competition & Comradery
- Celebrate! small rewards, enjoy new habit.
- Be patient.
- Momentum can go both ways; either negative or positive.
- Some of our best intentions fail because we don’t have a system of execution; you need daily routine.
- Morning Routine: gratitude, abundance, give love, stretching, read something positive & instructional.
- Bed Routine: cash out your day (recap), 10 pages of inspirational book.
- I want you to think about what you can do for the rest of your life that you can repeat consistently over long period of time.
- Nothing kills momentum like consistency. Keep your habits slow but manageable so you can deliver them day in day out.
- Everyone is affected by three (3) types of influences: input (what you feed your mind), associations (people), environment (place).
- Your thought process is at the base of the result that you create in life. What is influencing your thoughts?
- In US average person spends 4.5 hours on TV per day. 4.5 hours x 365 days = 1704 hours
- Do you surround yourself with anchors or engines? In life there are engines who propel us forward, believe in us and are supportive. There are also anchors who weight everything down.
- You can think of anchors and engines in the context of people:
- 5 people you spend the most time at work.
- 5 people you spend time in your personal life.
- 5 people who are most influential.
- It’s the extra effort after you’ve done your best that makes the difference.
- Don’t wish it was easier; wish you were better.
- When you’re at your wall and you put a little extra effort this is a massive expansion, or multiplication, of your effort.
- Push past what others/you expect of you.
- If you have a cause or ideal worthy your attention do what it takes, even unexpected to make your case heard.
- Look for multiplier opportunities where you can go a little further.
- We’re swimming in a sea of information and we’re drowning.
- We read and learn a lot but never stopping long enough to digest what we have learned.
- It takes 3 years to be good at something. Don’t expect to be overnight sensation.