Most people struggle with money.

It is a fact.

Money is closely tied to modern survival.

This affects every area of your life. Even if you do not think about money, you still think about it. Your health depends on your money. The well-being of your relationships depends on your baseline income. Your health depends on your money. The reasonableness of your relationships depends on your baseline income.

You may say that it is unfair and complain that everything should be different, but I strongly disagree.

I am not here to tell you that the truth about money is somehow 'hidden' from you.

You are to blame for finding yourself in such a situation.

You haven't thought about how you were raised, you have developed terrible psychological relationships with money, and because of this, you have not understood that making money is a skill. You can earn as much as you want; you just haven't found the time to study, practice, and master this skill.

The purpose of this letter is to install the right money program in your mind, as this is the first step to earning as much as you want.

Here’s what we will talk about:

• Why there are no problems with money, but there are psychological problems (and how to get rid of the scarcity mindset).

• The difference between work, career, and calling is that you can earn income doing what you want.

• A new perspective on money and that it is the key to a fulfilling life (not something that hinders it).

• A complete breakdown of how to make money in any economic situation, because making money is a skill.

Face the truth.

You want freedom.

Well, maybe not full freedom... we, humans, love structure and limitations (otherwise, we would already be free because freedom is mental).

At a minimum, you need autonomy.

The ability to choose your limitations.

By the end of this letter, you will have just that.

Average money mindset

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There are no problems with money. There are psychological issues.

The inability of most people to earn, save, or wisely use money is explained by their beliefs, as these beliefs define the opportunities you can notice to do so.

Here’s a list of the beliefs of the average person regarding money:

• You think that money is hard to earn.

• You do not believe that money is a realm of mastery, like health, relationships, or work.

• You may believe that money is evil (because past negative experiences have programmed you).

• You are not interested in starting your own business because you only see the noisy surface of unscrupulous sellers and long working hours.

• You think that everyone is trying to deceive you or that any non-mega-corporation is a scammer (although usually they are independent businesses that you claim to support).

• You are stuck in survival mode, so you do not see the importance of self-development or business and feel the urge to write them off to better evaluate your own actions.

• You do not think you can earn a lot of money in your field, which is completely false if you can just observe the highest-paid professionals in your field (hint: they have their own business).

Each of these points limits your earning potential.

If you believe that money is not a skill, you will not be able to master it.

If you believe that money is evil, the thought of earning more will repel you (even if that is the only way to escape the chaos you created yourself).

Your perception of money is determined by your level of development.

I have my own concept called 'Levels of Purpose.'

The solution to your financial problems (psychological problems) is advancement at every level.

The purpose of money changes as you develop. At first, it serves as a means of survival, then it becomes a way to acquire status, leading to a desire for autonomy, then it becomes a source of energy for creativity and self-expression, and finally, it transforms into a way to help others go through similar stages — whether related to money or not.

Here are these levels: survival, status, autonomy, creativity, and contribution.

Survival

Each of the beliefs listed above serves the purpose of survival.

Your main goal is what defines your perception of the situation. You will not notice opportunities to earn at the survival stage because all your attention is absorbed by home, mortgage, job fatigue, relationship issues arising from all this, and the lack of money even for thoughts.

You take any job you can get because you need to survive. And at this stage of life, when your goals are a result of your upbringing, you do not have many options for work that you enjoy.

You move out of survival mode, deeply aware of how your beliefs are holding you back. How they create a destructive effect in your life.

Then you focus on solving emerging problems, which at this stage almost always boils down to simply 'making money.' And that’s okay. I would say it’s necessary. You are at this stage because you ignore — and perhaps despise — the need for it.

Status

As we recently discussed, there has never been a moment in history when weak, average, or thoughtless people were not treated like cattle. It is outrageous that the only ones who thrive in society are those who have achieved power and influence.

You reach the status stage when (1) you have a sense of security regarding money and (2) you realize the need for others to perceive you as a valuable person.

You develop skills that allow you to get a better job or start your own business. This job allows you to pay the bills, focus on other areas of life, and set moderate or extravagant superficial goals.

Many uncritical thinkers see this as bad, but they do not understand perception or psychology. People first notice the surface and then the depth. I don’t care how ‘good of a person’ you are. People pay attention to appearance before deciding to enter into a relationship.

Creativity

Once you reach a certain level of status, your mind will begin to transform.

You will begin to recognize all your mistakes.

These mistakes are new problems to solve. A new goal to strive for.

You may even feel the need to let go of everything you have acquired.

You no longer find joy in these superficial pursuits.

Money becomes outdated. Sex with companions becomes outdated. Cars and watches become outdated.

This does not mean that everything you did was in vain. You have a wealth of experience to draw from and pass on to others.

You will begin to crave autonomy. You will realize how slow progress becomes as you rise in the status game and want to tackle more complex tasks.

At this stage, you need to focus on developing a philosophical sense of mastery in several areas.

For bodybuilders, going to the gym starts as a way to feel good. After a few years, they either quit or pivot to a new, deeper goal that makes their journey more meaningful. They rejoice in feeling good thanks to healthy eating. They deeply understand how their choices regarding health affect their future. They derive satisfaction from the process of small improvements in the gym.

This is the creativity stage.

At the status stage, much of what you learn and do will be based on what others have taught you. What you have learned from others.

At the creativity stage, you take your expanded knowledge and start to create your own way of doing something.

You have tried various training programs, business models, and strategies for overcoming difficulties to understand the patterns and principles underlying them. You have discovered a level of thinking that allows you to easily navigate between them.

Your task at the creativity stage is simply to create.

Free yourself from dogmas, ideologies, and processes adopted from others. Create new solutions from scratch. This will prepare you well for the contribution stage.

Contribution

By combining valuable skills and a sufficient amount of creative experiments, you realize that you can deeply influence the lives of others and feel drawn to it.

You feel a deep desire to share what has improved your life.

You begin to look at life differently and wonder why others are constantly distracted by trivialities. You see where their lives are headed, and they do not.

The contribution stage is where previously separate areas of your life converge into one.

You do not perceive work as a place where you clock in and out.

You do not view rest as a pleasure that can only be indulged in after finishing work.

You do not perceive the game as a hobby that lasts 30 minutes in the evening if you have time for it.

You view them all as necessary counterbalances to each other.

Work, rest, and play become difficult to delineate.

Rest becomes a way to restore creative abilities for work. Play becomes what you do at work. Work is so deeply integrated into your life that everything you do can be transferred in the form of products or information.

Your whole life begins to revolve around how you can contribute the most to the world.

You become a bearer of perspective for reality. You perceive the world with your mind and convey this vision to others so they can adopt it and benefit from it.

You seek and gather information, synthesizing it with your experience and spreading it among those who want to benefit from it.

You cease to be a leech. You not only consume and take from reality for your own selfish gain, but you also create, share, and contribute to the world.

A few final remarks about these levels:

They reset when you start your own business. When you quit your job to start your business, you find yourself back in survival mode. You need status to acquire the right connections and resources. You begin to crave independence from things like client work and tasks that can be delegated. You free up mental energy for creativity. Eventually, you will realize that your main purpose is to help other people.

These levels of purpose follow the law of 'transcendence and inclusion.' You never 'escape' the survival stage, you just integrate it. You use it.

The art of living is to get paid for playing.

Reasonable people are paid for doing what they love. — Alan Watts

From birth, we have been trained to work for everyone but ourselves.

We are given assignments, we are given already traversed paths.

We work on these tasks without struggle or conscious thought, leading to a mechanical and replaceable role in society, filled to the brim with people trying to prove their happiness to mask their inner unhappiness.

We do not know any better because we only know what we have been told.

We are told to read books that do not interest us, finish projects that do not interest us, to prepare ourselves for a life that does not interest us. Before you know it, you find yourself trapped in a dense cloud of obligations. Resources - time, energy, and money - that could be used to change your life are drained like clockwork, leaving you with no choice but to remain a productive robot as society's plan desired for you.

If you hate your job that occupies a third of your life and drains you of the energy needed to enjoy the remaining third, while you sleep the last third, then it seems there is nothing more important than creating, building, designing, writing, selling, investing, owning, experimenting, and finding a way to control what you do during the day.

On the path to the purposeful use of money, you will understand the difference between work, career, and calling.

Work is some unpleasant job you do for someone else with the sole purpose of making money.

Work is a mechanism for survival.

Work is one of the stages on the path to becoming worthy of those who shaped your thinking.

Work is like school in that good marketing can make up for a bad product.

After centuries of fruitless attempts to achieve results, they are still alive and thriving for the simple reason that few bother to think for themselves. Most people do what most do. Most people are dissatisfied with the results of the majority, but by that time it is much harder for them to leave.

A career is the pursuit of development in your work.

A career requires you to consistently perform complex roles and tasks.

From a psychological standpoint, this brings long-term order and clarity to your mind.

With each level of complexity, life becomes more challenging and interesting. New pathways for acquiring knowledge and skills open up. If you want to achieve further career growth, you need to get your life in order.

A calling is work you cannot refuse and for which others cannot help but pay.

A calling cannot be assigned to you.

A calling cannot be fulfilled at the direction of another.

A calling cannot be defined by a fixed number of work hours because your mind is constantly working on it.

A calling is where the desire for improvement turns into obsession.

A calling is what others do not understand. It is something that the one who aspires to it must care for, protect, and nurture, like a gift that others might accidentally steal.

Work is not a career or a calling, but both a career and a calling are work. A career is not a calling, but a calling is a career.

Work is great for young people who do not know what they want or just need to survive.

A career is great for those who want to gain more satisfaction from life as they understand the necessity of hard work as a stimulating function for self-development.

A calling is for those who know they are destined for more.

The chosen ones who are ready to dive into the unknown and take full responsibility for the outcome of their lives.

The sad reality is that the word 'work' is now perceived as a curse. When the average person thinks of work, their thoughts are filled with familiar memories of the past and a predictable future filled with stress, overload, and anxiety.

At work, you want to rest. When you rest, you eventually want to be back at work. A catastrophic cycle where you never feel like you are where you want to be.

Your mind is anywhere but in the present moment.

People dream of an eternal vacation we call retirement, but once they achieve that illusion, it becomes as ordinary as everything else.

In a few weeks, you won't be able to help but want to find a balance between being and doing.

Creating work that resembles play should become your constant job.

To avoid the narrow view that work is bad and money is evil.

If you are stuck in a job or approaching the top of the career ladder, there is one thing that will take you to the next stage:

Realize that money is much more spiritual than you think.

Money is more spiritual than you think.

We work, work, and work until we earn enough to rest and find ourselves dissatisfied with how much we have and how little we are.

We are drowning in survival mode.

We never manage to see beyond the responsibilities that have been entrusted to us and accepted without question.

Wake up, go to work, interact with the boss, eat convenience food because you have no time, give up the good habits you promised yourself because you have no energy, watch your life slowly crumble while your mind, body, and relationships descend into chaos, and do nothing about it because this is the only life you know.

Realize that work is a necessary part of life.

Work is problem-solving.

People love to solve problems, but not just any problems, but those we consider significant and interesting.

The right problems narrow our attention and allow us to forget our worries.

False problems consume our attention and amplify our anxieties.

The difference between them is that one is chosen, while the other is assigned. Problems are limitations of your mind and potential. By solving them, you ensure growth, expansion, and development.

Money in itself is a wonderful invention.

This has allowed us to move beyond survival through value exchange.

Each of us has problems we value solving. That’s why we solve them, and soon we have a desire to help someone else solve them. But since some people don’t have the time, skills, or desire, the invention of money allows them to obtain another resource to solve the problem (or at least significantly simplifies its solution).

So, if problems are limitations of your potential... things that prevent you from reaching the next level of your goal, then money is a tool for realizing your potential.

But purpose does not exist without problems.

By solving a problem, you pursue a goal. You discover your role in something greater than yourself. This is what spirituality is about. Discovering your role in the whole, moving beyond it to the next whole, and then to the next, until you reach your life goal - making a contribution.

Most people in business are stuck at the survival and status stages.

This is why you perceive them as unspiritual.

But a business is merely a legal structure for distributing value. Not all businesses are evil, but refusing to have your own business guarantees the prosperity of villains.

When you are in survival or status-seeking mode without opening your own business, you inevitably unconsciously contribute to the kinds of businesses you consider evil, working for a corporation that disgusts the masses.

In summary, if your life goal is to contribute to the development of humanity, then following your calling (rather than work or career as a final destination) is part of that calling. And your calling will almost always be related to your own business.

Making money is a skill, not luck.

Making money does not depend on luck.

We have long since moved beyond this silly belief.

We no longer live in that world.

Luck is a concept used to describe a lack of understanding of the system.

If you understand the system for making money, you can earn it at will (provided you truly master the necessary skills).

Here’s what you need to understand to earn as much money as you want.

1) Understand the psychology of one person, preferably yourself.

Where does money come from?

I am not talking about how the government prints it.

I am talking about how it comes into your hands?

Someone gives it to you.

Here is the answer.

Whether it comes from the consumer or from the business, someone decides to give you money because they see value in what you can offer.

The first step to creating something worthwhile is understanding the psychology of a specific person. Value is perception.

What is trash for one is treasure for another.

Many will consider what you offer to be garbage.

But you do not think so, and there are hundreds of thousands of people like you.

Create a product for yourself.

Sell yourself.

Write to yourself.

Attract people like you, as they are the ones you can help the most.

2) Create a solution to a biological, personal, professional, or social problem.

Most businesses fail because they try to solve a problem they have not faced.

They come up with some cool startup idea in their head and then justify their failure with silly statistics like '99% of startups fail.'

If you pigeonhole yourself into a narrow niche and problem where you have no experience, there is essentially no way out. That is why I recommend you take this niche, as your business is limited only by your ability to grow. Your products evolve alongside you.

You form an audience around your name. You test ideas through content. You turn these best ideas into products. You refine your products or create new ones until they succeed. You cannot fail if you are a business because you fully control the process of your development.

The best path for a beginner is one that is accessible and does not require significant investment.

In the age of the Internet, this means digital products and services.

For those who cannot program, it means:

• Courses

• Coaching

• Templates

• Masterclasses

• Live event streams

• Etc.

My favorite type of educational product is a course syllabus combined with worksheets or resources that can be created within Notion or Kortex.

You can quickly make these products.

You can test whether they will be successful or not by writing content and studying how well people engage with it.

If the product is successful, you can enjoy high profits for as long as you want or turn it into another business.

For example, how 2 Hour Writer turned into Kortex because Notion didn't suit me as a writer.

But on what basis do you create a product?

The problem you solved in your life.

What area of life have you mastered?

What do you enjoy studying and learning about?

What skills have you acquired that have helped you live a better life or build a better career?

Create a product based on this.

Teach people everything they need to achieve the same goals as you.

If you need help, study what other people like you are selling.

Can you create the same thing, but better?

3) Create, borrow, or buy an audience made up of people with similar psychology and problems.

You have what people need. Now you need the human element of this equation.

Most beginners fall into the trap of building a website, perfecting their product, registering an LLC, and all the rest but never get to the most important part:

Clients.

There are 3 types of distribution.

Built, borrowed, and bought.

You build distribution using tools like social media and an email list. This is what you own and can promote your value at any time. It is the most powerful leverage of all.

You spread content by interacting with others. Appearing as a guest on podcasts and attracting thousands of viewers. Writing guest newsletters for people with large subscriber lists. Posting in forums or communities. And so on.

You buy distribution through sponsorship and advertising. Podcast sponsorships, newsletter sponsorships, ads on Google, Facebook, YouTube, etc.

In an ideal world, you would do all of this. But you have a limited amount of free time and money to hire other people (if you even want to do that).

In my view, the best option for a beginner is to create an audience.

Why?

Because you can start for free.

Because you need to learn to attract attention and persuade. You need to master the skills that will ensure the success of your advertising campaign.

And, of course, you will be able to hold the audience. They will follow you. You will be able to be more sincere and purposeful.

If you want to know how to do this, check out my One Person Business playlist on YouTube or consider purchasing 2 Hour Writer (writing is a way to build an audience).

4) Systematize the promotion and delivery of the solution to this audience.

People ask me why they do not make money from their creativity.

In 99% of cases, they stopped doing what originally made them money.

They stopped promoting.

They stopped trying to attract customers.

They did not create a repeatable weekly system that could be tested and improved.

Here’s an example for creator businesses:

• Promote your product, service, lead magnet, or newsletter every day in one post. This can be done in the comments of this post or in a story.

• Send out a weekly newsletter and promote your product or service there.

• Actively engage with 5-10 people weekly in direct messages about your product.

Now you have traffic from social media directed at your product and email list.

Your email list is valuable and contributes to promoting your products.

After that, all you have left is to worry about expanding your audience and email list.

Of course, you can also launch new products to see a significant spike in sales and provide more opportunities for your audience (as one product will only benefit a certain part of that audience).

I mentioned this in my book 'From Zero to a Million Dollars as a Solopreneur.'

5) Repeat and retain.

Let’s summarize how to make as much money as you want:

• Understand your own mindset so you can offer your services to those who are like you.

• Turn the skills, knowledge, and interests that benefit your life into an educational product.

• Spread this product among the audience you are forming with your content and texts.

• Create a weekly system to ensure that your audience sees your product.

That's it.

That’s all you need to earn as much money as you want.

The last piece of the puzzle is the delicate balance between iterations and persistence. This is where most people fail.

Above are the 4 points.

Each of these points provides data.

If something doesn’t work, you need to try something new.

Test new marketing approaches (use personal experience to tell how your product changed your life) and assess the reaction.

Check how effectively your product solves other people's problems. Improve it until people stop talking about it.

Test the ideas, content, and strategies you use to attract an audience. If you are not growing, it means you are not doing it. Your skills are not high enough.

Test how, when, and how often you will promote your product each week until you reach the desired sales volume.

This whole business doesn't end with choosing one marketing approach, one product, one audience expansion strategy, and one promotion method.

You will not fail if you have all the necessary details and experiment until they work.

Thank you for reading this letter.

I hope this helped.