The Courage to Be Rich: The Financial and Emotional Pathways to Material and Spiritual Abundance

Orman, Suze

ISBN 10: 0553526073 ISBN 13: 9780553526073

Verlag: Random House Audio, 1999

Inhaltsangabe

Bestselling author and financial expert Suze Orman helped millions of Americans turn toward their money and embark on a true path to wealth with her #1 bestseller The 9 Steps to Financial Freedom and her national bestseller You've Earned It, Don't Lose It.  Now she returns, with a book that goes beyond the fundamentals of her earlier work in challenging and inspiring us to realize our full financial potential, and to realize as well that the bottom line of life is comprised of much more than money.

Practical, spiritual, and above all soundly financial, The Courage Be Rich addresses the rites of passage we all must face-marriage, divorce, death; spending (and overspending) on life's necessities and luxuries; taking control of our financial tomorrows today.  From the business of love to buying a home; from imparting proper values to our children to defining our own self-worth; from starting over to staking a claim to our future, Orman shows us how to find the clarity, conviction, and courage to meet the obstacles and opportunities of a lifetime.  

Expressing her deep belief that only when we truly learn to value and respect money in the most expansive sense will we be able to change our financial destiny, Orman demonstrates-through exercises, examples and case studies-how to create a rich and abundant life, starting from what we have today.  Finally, she takes on the seldom explored subject of money and grace-the rewards wealth bestows and the responsibilities if confers.

There is no more persuasive, compelling, and honest a financial teacher today than Suze Orman.  Building on the rock-solid foundation of her earlier lessons, The Courage to Be Rich is, in every sense, higher education on matters of vital importance to us all.

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Über die Autorin bzw. den Autor

Suze Orman's first book, You've Earned It, Don't Lose It (Newmarket Press), which was first published in January 1995, is currently in its 21st printing and has sold more than 400,000 copies in its combined hardcover, softcover, and audio formats. It has appeared on the USA Today Business bestseller list and most recently on The Wall Street Journal        s Business bestseller list.

Suze Orman appears regularly on QVC as host of her own "Financial Freedom" hour. To date, Ms. Orman's television retailing sales total more than one million books and audio books, making her QVC's number-one selling author. On April 15, 1998, QVC launched Orman's new, step-by-step financial planning audiotapes and workbook set, Financial Freedom: Creating True Wealth Now, which generated an astounding sale of 70,000 sets when it first premiered.

A one-hour PBS television special based on The 9 Steps to Financial Freedom aired nationally during the March 1998 PBS pledge drive. It was the top performer and led the most successful pledge drive in PBS history. The show is scheduled to re-air in various PBS markets over the next four years.

Suze Orman currently writes a monthly financial column for Self magazine, which has generated tremendous reader response. She also served as editor-in- chief for Condé Nast's Currency, a financial magazine supplement sent to every Condé Nast magazine subscriber in March 1998. Another issue is scheduled for March 1999. Ms. Orman        s next book, The Courage To Be Rich, will be published by Riverhead Books in March 1999. A PBS special based on the title is scheduled to air in conjunction with its release.

Prior to establishing The Suze Orman Financial Group in 1987, Ms. Orman, a Certified Financial Planner, served as Vice President of Investments for Prudential Bache Securities from 1983-87. From 1980-83, she was an Account Executive at Merrill Lynch.

A sought after speaker, Suze Orman has lectured widely throughout the United States, helping people change the way they think about money. During the course of her career, she has been quoted in such publications as The New York Times, The Wall Street Journal, and USA Today, among others. Ms. Orman was a guest on The Oprah Winfrey Show six times during 1998 and will appear on Ms.
Winfrey        s new         Change Your Life TV         format on a recurring basis as its financial expert.

Suze Orman lives in Northern California.

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The Courage to Be Rich

The Financial and Emotional Pathways to Material and Spiritual AbundanceBy Suze Orman

Random House Audio Publishing Group

Copyright © 1999 Suze Orman
All right reserved.
ISBN: 9780553526073

Chapter One

The Courage
to Look Within

Over the many years I've worked with people and their money, I havetried to answer what to me is the most puzzling financial question of all:Why is it that some people have money while others do not? It's almostmystical, really. Day after day I see people who have grown up in similarcircumstances, had basically the same opportunities, and earn more orless the same salaries, yet how very differently their bottom-line numberscan read. I'm sure you've seen this yourself. Haven't you known reallygood, hardworking people who end up with very little? Haven't you metpeople who should have had less but have more? Or people who, time aftertime, almost seem to make it and then, boom, something happens andthey have to start all over again?

    Is it that some higher being looks down on all of us and chooses whoamong us is going to win life's financial lottery? I doubt it. Is it simply thatthose who have all the money they could ever need wanted it more thanothers? Not from what I've seen.

    In my nineteen years as a financial planner, never once have I comeacross a client who didn't have the desire to have more, or the intelligenceand the ability to achieve the desire. Not once. So what was stoppingthem? The same thing that no doubt is stopping you: financial obstacles.

    And what are those financial obstacles? Some of the obstacles that areplaced in front of us are external and easy to recognize?lack of cash oropportunity, the family we are born into, lack of financial knowledge, ormaybe just laziness. Legitimate obstacles, some of these, but after all theseyears working with people richer and, yes, poorer than you are today, I'veseen people overcome each of them countless times. These are the easyobstacles, for what you can pinpoint you can overcome.

    Harder to recognize, and much harder to overcome, are the internalobstacles, the emotional obstacles, that keep us from having what wewant and enjoying what we have.

    I have come to believe that the way each of us thinks and feels aboutour money is the key factor in determining how much we ultimatelyhave. The main underlying reason that some of us don't have money isthat our thoughts and feelings about money have become internal obstaclesthat prevent us from having or keeping what we want. In the samevein, the reason that others do have money is that, with their thoughtsand feelings, they have created the means to achieve and hold on to whatthey desire. In other words, our thoughts and feelings about money are,to me, fundamental factors in determining how much money each of uswill, in this lifetime, be able to create and keep.

Lessons My Clients Taught Me

Years into my practice, once I began to understand the powerful hold ourthoughts and emotions have on our money, I started to ask my clients differentkinds of questions?questions about "how" and "why" rather thansimply questions about "how much." I began trying to get to the heart oftheir financial emotions: "Why have you let all this money just sit in abank account for ten years earning two percent interest?" I'd ask. Or"How did you begin to get into all this debt?" Or "What are the money issuesyou and your spouse fight over?" Or "Why, when you have so muchmore money than most people, do you feel so poor?"

    The answers were remarkably similar, regardless of how much moneywas actually at stake: "I'm afraid to invest. I feel safe leaving my moneyalone." "Suze, I'm so ashamed of my debt, I can't even tell my husband.""I'm just so angry at the way he spends our money." "I am afraid. What ifI lose it all?"

    I listened carefully to the words that my clients were using, over andover, to answer my questions or simply to talk about their financial situations.I noticed that whenever people had financial difficulties, whetherthey were in debt, had nothing to show for their years of work, had noidea where the next dollar was going to come from, or felt like they neverhad enough, they seemed to have one thing in common. They all used thesame words to answer my questions. Regardless of their particular financialdilemma, their answers all contained at least one of the followingwords: Shame. Fear. Anger.

    Let's say a client came in to see me because she found herself in terribledebt and needed help to find her way out. If I asked her, "How doyou feel about having so much debt?" her answer would likely reflectone or more of three emotional variations: "I'm so ashamed; I don't wantanyone to know about my debt." "I'm so afraid; I have no idea how I willever get out of debt." "I'm so angry at myself for allowing myself to getinto this situation." Shame. Fear. Anger. The emotional obstacles towealth.

    Perhaps it's easy to see how staggering debt could incite these emotions,but it's less apparent in situations where there seems to be enoughmoney, or at least no immediate threat to one's security. And yet I can citecountless examples of clients whose deep-seated emotions kept themfrom achieving greater wealth?be it in the form of emotional or financialsecurity. Fear, loss, shame about the past: Anger at the circumstances overwhich you have to prevail.

Unlocking the Emotions

You may be thinking, How is this possible? Just because I'm afraid, howdoes that relate to the fact that I have no money? Isn't it the other wayaround? Isn't it that I'm afraid because I don't have any money?

    That's the way most people think. Especially people who do not havemoney?or the courage to be rich. It's easy to blame your emotional stateof affairs on your financial state. But from what I've learned, the oppositeis true. Your emotional state ultimately determines your financial state.

    I have found that when negative emotions control the purse strings,money will not flow purely and evenly. When it comes to money, emotionscan speak louder than reason or necessity. Your emotions, expressedthrough your financial actions, have gotten you to where you arenow and will continue to shape your financial future if you let them. Ifshame, fear, or anger is at the wheel, then I can promise you, you are noton a course toward richness. By having the courage to face and overcomeyour inner obstacles, however, you will change the outer trappings ofyour financial life forever.

Your Exercise, Part One

I want you to take a few minutes to consider how you feel about your financialsituation today. Don't think in terms of numbers, the bills, howmuch you owe, or how much you've saved. Think instead about howyou truly feel about your finances. Is money?the money you've spent,the money you have, the money you need?a constant worry for you?Do you feel that you're not good enough to get what you want or thatyou don't deserve what you have? Are you embarrassed by how muchyou have? Envious of what others have, angry that you don't have suchthings? I want you to address your emotions honestly and commit yourthoughts and feelings to paper. If you don't have...

Details zur Ausgabe

• Verlag: Random House Audio
• Erscheinungsdatum: 1999
• Sprache: Englisch
• ISBN 10: 0553526073
• ISBN 13: 9780553526073
• Einband: Hörkassette
• Kontakt zum Hersteller: Nicht verfügbar
• Verantwortliche Person: Alive AG; info@alive-ag.de; ; Von-H�nefeld-Str.2 DE 50829 K�ln; K�ln; Deutschland