Forget Financial Resolutions, Here’s The Only Thing You Need To Do in 2014 To Become Rich

Updated: December 29, 2013

A lot of people resolve to save more money whenever the new year comes.

Unfortunately, only a handful of them would succeed.

The reasons for failure vary with every person, but the common thread among them is because they stopped trying.

They convinced themselves that it’s really hard to save money, and rationalize this decision with alibis and excuses.

They blame their jobs and say they’re not earning enough. They blame the government and the economy for the rising costs of living and say corruption is the cause of their poor financial situation.

They blame their relatives and families for being too financially dependent on them, that’s why they can’t save. They blame their friends, their love life, the weather and everything else.

Stop The Blame

Assigning fault on others is a poor mindset because it does nothing except waste your time and energy on things that you cannot change and control.

And blaming yourself is even worse!

“I just can resist buying things when there’s a sale.”

“I’m so busy every day, and don’t really have time to manage my finances.”

“I’m poor at Math, I can’t do a balance sheet to save my life.”

Blaming yourself is worse than blaming others because it’s like saying that you don’t deserve to be rich – that you’re not good enough, and will never be good enough.

You Are Good Enough

I’ve read hundreds of Filipino success stories, and I’m sure you have too. In this blog, I’ve featured Narda Capuyan, Tony Tamayo and many others.

They’re all ordinary people who found wealth.

Now, I’d like to ask you, what do they all have in common when they were just starting? I dare say they really have nothing in common except a strong belief that success is just within their reach.

When you have a strong internal faith about your future, you’ll achieve clarity in your everyday actions and decisions. You’ll have focus, confidence and self-sustaining motivation to work hard for your dreams.


The Only Thing You Need To Do…

If you want to achieve financial independence, then you need to ruthlessly prioritize your dreams over everything else.

What does this mean?

The best way to understand this phrase is to begin with the end in mind.

Your Dreams

What are your goals in life? Ask yourself what exactly do you want your future to be? Picture it in your mind, and describe your life 10 years from now.

Are you running your own business? Living in your dream house? Traveling around the world?

Be as concrete and as detailed as you can be.


If you imagined yourself managing your own Italian restaurant in Makati (a concrete goal) – then write your success story – tell yourself how achieved that goal.

It can go something like…

I enrolled in a culinary school to learn how to cook Italian cuisine. After which, I saved money and opened a small cafe inside our village. After a couple of years, I partnered with friends and opened the Italian restaurant.

Your success story should be longer than this, of course. And it should be as realistic and logical as possible. No stories about winning the lottery or getting an inheritance from a long-lost relative.

After you’re done writing your success story, ask yourself – what are the things I need to do to make this a reality?

Enumerate the steps that you took, the tasks that you accomplished – and turn it into a list of things to do, like this:

  • Find a culinary school that offers classes on weekends.
  • Save for business capital.
  • Study how to put up a restaurant-cafe business.
  • etc.

Starting today, your priority is to check off each item on your list.

And if you were very detailed about it, then you’ve just successfully transformed your dreams into small, achievable goals.



Your friends are inviting you to go out of town for a vacation next week. Should you go with them or decline and instead, use your time to look for culinary schools in the city?

You just received a performance bonus at work. Do you celebrate and dine out with your family, or save the money and add it to your business capital?

Your boss asked you to render some overtime but there’s an Entrepreneurs’ Networking Event that night. Will you tell your boss that you can’t stay in the office because you need to be somewhere that evening?

It’s easy to dismiss working towards our long-term goals because we often tell ourselves that we still have enough time – that you can just do it next week, or next month, or next year.

But before you know it – a decade has passed and you’re nowhere near your goals from 10 years ago. No Italian Restaurant in Makati, and you’re still working in the corporate world, day dreaming and wishing you were doing something else.

That’s why you need to be ruthless – to show no mercy when faced with such decisions above. Needless to say, you should always choose to do the things that will take you one step closer to your goals.

Ruthlessly Prioritize Your Dreams

Another year is about to start.

But before 2013 ends and becomes part of history – make a commitment to yourself.

To believe in your success so you’ll always have a reason to do what’s required and necessary to achieve your goals.

Enter your email address for your free subscription to Ready To Be Rich:

Photo credits: joka2000 and celestinechua


  1. This is exactly what I needed to hear (read?) right now! Thank you for a very inspiring and motivational article. I really need to be ruthless in prioritizing my dreams. I know I just need to push myself a little bit more instead of constantly putting off the small tasks away.

    I hope you’d write more articles like this one to encourage many people (especially ME!) to start doing the little things that make our dreams a reality. Now, I commit to myself to ruthlessly prioritize my goals and think that success is just a few years to go!

  2. Hi Fitz,

    Wow! This is great! Thanks a lot for sharing this blog. I will start now.

    Thanks and more power. Happy New Year.

  3. Minsan hindi lang talaga ganun kaconcrete ung dreams ng iba kaya madali sila sumuko. Our goal should not stop to being “a millionaire someday”. Dapat my purpose kung bakit mo gusto yumaman. Kung para man sa pamilya, kalusugan o para sa sarili. Getting rich should not be an end goal, it should only be your means to achieving what you want in life.

  4. OUR goals are guided by our wants in life and our wants are guided by the reasons we have. Personal reason are form in different type, it could be because of our personality, commitment to a promise, because of special someone, etc. What we can do is to try to figure it out as much as we can that what we choose to prioritise an time come to an end we can fill self-fulfillment and make us HAPPY.. This just my own perpective.

    Im 30 years old now and by this time im still in the process of figuring out what i really want in life.Evaluation to mysel what type of personality I have, my reasoning were it base my decision making in the past and mostly affect my life at the present.

    For the past five years I can tell to myself my accomplisment is not that much productive, Even if its slow I can still say Im progressing. For the meantime, Im doing the things that could give me a brighter future na hindi ako pupulitin sa Kangkongan at the end.Heheh while im struggling to know what i really want most in life.I just hope it will not take that long na maging tatlo ng yong paa ko.nyahahaha.

    Tips: put a duration to your achievable goal so that you will push youself. If you find difficulties of what your doing right now to realize that achievable goals just look for another way as long as you will still come up with that achievable goals. Dont bother youself thinking that you are already delayed to given duration just stay focus to your target. Lastly, Prayer. Pray Pray Pray everyday to be strong enough to endure hindrance and be in the right track, for you to realize the achievable goals you set. Ask HIM what you need surely it will be given unto you.

    Right now Im asking HIM to englighten my mind to come up a decision that the outcome would be best for me according to HIS PLAN and the purpose of my existence.

    Thanks for your great post sir fitz..

  5. Wow! I really really really love the steps and this post as a whole. I don’t know why I only read it now. Thank you very much! :)

Leave a Reply

Your email address will not be published. Required fields are marked *