Success is a result as well as poverty is a result. The formula for success is this: A few simple discipline practiced every day, while failure is the opposite: A few errors in judgement repeated every day. By knowing this, accepting it as the truth and then learning success principles, you will make your life the best life you can ever live.

1. RICHES OR POVERTY,
CHOOSE ONE

2. RICHES OR POVERTY, CHOOSE ONE
 I once knew two brothers who were raised in a poor family but one turn out
rich why the other remain poor. When I asked the first brother “why are you
poor?” He said you know how I grew up, we were very poor, my father didn’t
send us to good schools, he drinks and womanize and he takes out his
frustration on us by abusing and beating us. So what do you expects.
 I reasoned about what he says and agreed it’s true. Then I asked the second
brother “why are you rich?” He said you know how I grew up, we were very
poor, my father didn’t send us to good schools, he drinks and womanize and
he takes out his frustration on us by abusing and beating us. So what do you
expects, I told myself “I will never be poor, I will not live the life my father
lived, I’ll be different!

3.  So one brother resigns himself to circumstance, while the second brother
used all the pain, and anger, and frustration and deprivation to fuel his
determination to rise above his limitations and claw his way out of poverty.
 So, poverty or wealth is a result of our actions.
 See the points in the next slides:

4. S/N HOW TO REMAIN POOR HOW TO BECOME WEALTHY
1 Never wake up early. Keep stretching
and turning in bed until you get too
hungry to continue dozing. If there are
no bed bugs, why hurry to get up?
Numerous studies of top successful men from
all work of life shows that they wake up early,
as early as 4am or 5am. They read the
scriptures, pray, meditate, exercise then get
about their daily task.
2 Never plan how to spend your money.
Whenever you get money, start spending
it right away and when it's finished, you
try to count and recall how you spent it.
Failure to plan is planning to fail. Successful
men have written plan of what they want to
do with their money and they live within their
budget.

5. S/N HOW TO REMAIN POOR HOW TO BECOME WEALTHY
3 Don't think of saving until you have real
big money. How can you save when you
earn so little? Those telling you to save
are not sympathetic to your burning
needs.
Poor people spend all they make then borrow
some more. Successful people pay themselves
first by saving then adjust their expenses
within what is left.
4 Don't engage in activities usually
reserved for the "uneducated". How can
you, a graduate, engage in petty trade,
marketing or home-based production?
That's for people who never went to
school!
Successful people are willing to get their
hands dirty so long as the work is legitimate.
Most “Big” business today started from the
bedroom or kitchen of the owners

6. S/N HOW TO REMAIN POOR HOW TO BECOME WEALTHY
5 Don't think of starting a business until
an angel comes from heaven and gives
you capital. How do they expect you to
invest before you get millions? Even
though more than half the businesses in
your town were started with little
capital, you as a smart person can only
start with millions.
The mantra of successful people is “think big
but start small”. The most important factor in
starting a business is your entrepreneurial
spirit, courage, creativity, confidence and
persistence. Every other factor – Land, Labour
and Capital will be attracted to you. There are
people and organisations out there with huge
capital waiting for a profitable idea to invest
into.
6 Complain about everything except your
own attitude and laziness. Blame the
system, the government and the banks
that refused to lend you money. They are
all bad and do not want you to get rich.
It is not what happens that matters, it is what
you do about it. What happens, happens to us
all. The question is, what are you going to do
about it? I’m not educated enough, I don’t
have connection, I don’t know the right
people, the economy is bad etc etc etc. most of
the top business in the world today are
started during time of critical adversity.

7. S/N HOW TO REMAIN POOR HOW TO BECOME WEALTHY
7 Spend more than you earn. To achieve this, buy consumer
products on credit and keep borrowing from friends and
employers.
Most rich people live below there income. I’m not talking of the
lottery winners or the movie or music stars. You see that these
set of people quickly loses their fortunes once their fame
diminish because their wealth cannot sustain their lifestyle.
There is a popular saying “if your out go exceed your income,
then, your upkeep will be your down fall” – think about it!
8 Compete in dressing. Make sure you're wearing the latest
clothes. Intimidate everyone with your trendy fashions
every time. Whenever your neighbour buys a new phone,
you get one that is more expensive.
In the book “the millionaire next door”
The author’s discovered seven common denominators among the
people who become wealthy
1. They live well below their means
2. They allocate their time and money efficiently, in ways
conducive to building wealth. 3. They believe that financial
independence is more important than displaying high social
status.
4. Their parents did not provide economic outpatient care (they
don’t run to mummy or daddy when in financial jam).
5. Their adult children are economically self-sufficient.
6. They are proficient in targeting market opportunities.
7. They chose the right occupation.

8. S/N HOW TO REMAIN POOR HOW TO BECOME WEALTHY
9 Get yourself a nice second hand car that
costs more than three times your yearly
salary.
Ditto point 8
10 Give your children everything they ask for
since you're such a loving parent. They
should not struggle for anything because
you do not want them to suffer that way,
they will grow up lazy and hence poor
enough to ensure they can't help you at
old age
The number 4 of the above
4. Their parents did not provide economic
outpatient care (they don’t run to mummy or
daddy when in financial jam).
Adversity make people tough and develop the
necessary skills to overcome such adversity.
If you over pamper your children by giving them
all they ask for, you’ll only succeed in making them
handicap for life, always dependent on you.
A yoruba adage says 'ise ki n pani, ayo ni maa pa
eniyan' meaning poverty doesn't kill, pleasure
does!

9. Conclusion
 Your destiny is not predetermined nor etched in stone. It is not predictable or
inevitable. It is not governed by fate or providence. Your life is in your hands
and you determine the life you are living now and the life you will live in the
future by the decisions and actions you take on a daily basis.
 Success is a result as well as poverty is a result. The formula for success is this:
A few simple discipline practiced every day, while failure is the opposite: A few
errors in judgement repeated every day.
 By knowing this, accepting it as the truth and then learning success principles,
and actually doing what you learn, you will make your life the best life you can
ever live.