QUESTION: How Is “Financial Success” Viewed In Your Country?

This morning, I was thinking about the upcoming Life Design World Tour kicking off in February 2014. So, far we have events booked in USA, AUSTRALIA, CANADA, DUBAI, SINGAPORE and the UK (lots of seats have already been reserved by current students!)

(If you haven’t yet seen what the Life Design Getaway events are like, and want more info on them then go here: http://www.abugfreemind.com/ldg/ -

… When I realised something shocking!.

I don’t actually KNOW how success is viewed in your country. (All I have are these wild “assumptions-in-my-mind” which I’ll reveal to you in a moment)

My point is,  I’ve never stopped to ask!  Which is pretty silly considering I have subscribers like YOU who read my daily emails  :)

So, that’s why I need your help…

 Can you PLEASE tell me how
 financial success is viewed
 in your country?

Would you say the “success mindset” is encouraged?

Let me give you an example of the assumptions, I have and you can correct me if you think I’m wrong okay?

For example …

*My thoughts & assumptions about …

THE UNITED STATES. 

My assumption about the US; is that goal setting and entrepreneurship is encouraged at an early age.  Is this true? Or have I watched too many american TV shows? :)

When I look online I see stuff like this:

“The US has the world’s most celebrated culture of entrepreneurship. And it’s ranked as having the top environment for entrepreneurs among the world’s 20 largest economies in Ernst and Young’s annual survey.

The U.S. is ranked as having the best access to funding by a significant margin, as well as the best entrepreneurship culture, which means that it tolerates risk and failure, prefers self-employment, has an innovation and research culture, and celebrates self-made wealth to a greater extent than the other countries. It also has the third-best education and training environment.

Obviously there’s a reason so many tech giants like Apple, Google, and Facebook got their start in the US, and that people who want to create the next one flock there.”

But my question to you, what’s it REALLY like?

Is the american dream still alive? Are people you know still setting goals and creating their ideal lives? What’s the mood like there? Are people still talking about “negative” stuff all the time? What are things REALLY like in the US  in your opinion?

*My thoughts & assumptions about … AUSTRALIA

From what I’ve seen from all the “Ozzie’s” that I’ve met in my life, is on the whole,  you guys  are very entrepreneurial. Positive thinkers, self starters and thinking big is all encouraged in your country… Pretty much the same, (in mindset) as the Americans. Am I wrong? Is personal development encouraged in Australia, is financial success celebrated? Do you have any entrepreneurial hero’s over there? What’s it really like…

*My thoughts & assumptions about … CANADA:

Most of the Canadian entrepreneurs I’ve ever met, have all been REBELS. I imagine Canada to be somewhere that definitely encourages financially success. But most of all, encourages you to “be true to yourself” - again, that’s just an assumption.  Perhaps inspired by the friendly rivalry you have with the US, is that right? :) I Imagine the general “mindset” towards financial success in Canada to be similar to the United states; with almost everyone being told to think big and dream big.  But is this really the case?

*My thoughts & assumptions about … DUBAI:

I went to Dubai last year, spent sometime with a friend of mine visiting the Burj Khalifa (worlds tallest building!)  and other awesome sites. The attitude and expectation about making money there, completely blew me away! … However, I’d like to know, is this the way MOST people think Dubai? Is it really a place of dreams? Are you encouraged to create your designs? To set goals? Or again… is this just an assumption I’ve made based on my trip? 

I’d love to hear what you think…

*My thoughts & assumptions about …

THE UNITED KINGDOM: 

Having been born and raised in the UK, I think am qualified to speak on this subject. However, I appreciate you may well have experienced life in the UK completely differently to me, and if so, I would LOVE to hear what you think in the comments below.

Here’s my thoughts:

In the UK we’re encouraged (mostly) to become “worker drones” great financial success is not celebrated, and the few who do set goals are seen as wierdos!” – people have called me much worse. Goal setting is NOT encouraged. Nor are any thinking techniques taught.

IMO: If it wasn’t for the fact most Brits are born with a super-natural stubbornness I don’t think we’d have many entrepreneurs! Fortunately we do. Which has given rise to some amazing entrepreneurs: like Richard Branson, John Caudwell, Duncan Bannatyne, and James Dyson, to name but a few.

However, in the UK speaking from someone who’s created some very successful businesses. It is almost like if you’re successful in the UK, it’s as if you become an “alien”.

Instead of having people ask you for advice, people tend to shun you.

It’s only now, with the recent economic problems, that people are beginning to realise that it’s the people WHO DREAM …  the rebels … the entrepreneurs who create all the growth in the economy, which is why now there’s so much talk from the ‘talking political heads’ about “Help the Small business owners”

So, in my opinion, the success mindset in the UK and the attitude towards going your own way, and designing your life is changing for the better in the UK right now. But if you live in the UK what do you think – am I wrong?

*My thoughts & assumptions about … SINGAPORE:

 

I’ll be perfectly honest, and say that all I know about Singapore, so far is it was one of the most successful economies in the world (that in itself speaks volumes) and that all my friends who’ve been there conduct business there, say it is an amazing place. Are you from Singapore? 

If so could you tell me… What’s the “mindset” like there about creating success in your life? Are you encouraged to go into business for yourself, and create wealth and riches? Is goal setting taught there? Are there many motivational speakers? Do people there congratulate business success? Or, do they hide it? I’d be really, really interested to know. And would appreciate your feedback.

*My thoughts & assumptions about … INDIA

Whenever, I think of India. I think spirituality first, though I see and hear more and more about entrepreneurial success stories…

However, I assume,  – but don’t actually know – that MOST people in india practice meditation and very spiritual, but again, could you tell me, am I just making another sweeping generalisation – or is it  actually true?

And what about financial success? How is that viewed in India? Are your successful business people portrayed as examples others can learn from? Or are they ignored? Is goal setting (for financial goals) openly encouraged?  I would love to hear the answer from someone. Who lives in India right now….

*My thoughts & assumptions about … NEW ZEALAND

I’ve never been to New Zealand, however a friend recently invited me out there, so I’ll be heading out there next year and holding an LDG event there too. So, if you live there, I would LOVE to meet you.

Now I must admit despite having relatives who lived there for a long time… I know little of the culture in New Zealand. However, my “kiwi” friend  is one of the most  successful online entrepreneurs I’ve ever met. He has made many millions.  And is a real-life mastermind at setting goals and achieving them!

But I do wonder…  What’s the “general mindset” really like in New Zealand, when it comes to financial success in general in New Zealand? Are you encouraged to create business? Is it celebrated like it is in the USA? Are people PROUD to call themselves “entrepreneur” or are they ashamed to go by that title as most of us are in Britain? I have no assumptions about New Zealand, so would appreciate absolutely anything you can tell me about the culture there in terms of goal setting and creating success?

Thanks!

 PLEASE LEAVE YOUR COMMENTS ABOUT YOUR COUNTRY  BELOW – ANY FEEDBACK YOU CAN GIVE IS EXTREMELY VALUABLE!

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198 Responses to QUESTION: How Is “Financial Success” Viewed In Your Country?

  1. Murali V says:

    Dear Andy,

    India is a large country both in size and population with diversity as its core. Diversity across people, languages, religion including beliefs and practices, distribution of money (wealth), political affiliations, food habits, work culture, family and many more, is India. It is vibrant country, largely God fearing people with a humane approach. A hungry man would not hesitate to share his food with the needy. People accept bad along with the good ascribing it to fate!

    Depending on the community and social status (Upper Income, Middle Income or Lower Income Groups), financial success is viewed differently. Middle Income Group (MIG) are largely conservative across the country, most of them are employees or self employed professionals. Among the MIGs, often, exceptional financial success is viewed with a cynical eye. Moderate success is accepted and encouraged – hard work and honest means!.Quick money = dishonest means. Weak financial success is not shunned, it is acceptable.

    Among the LIGs, it is a matter of survival, so long as basic honesty and one is above law financial success is appreciated, again exceptional success does not attract much appreciation – skepticism rules.

    The HIG is a different lot, not much is known outside the group. Some amount of smartness in law bending is fine with financial success. Possibly financial gains through scams and crime are shunned!

    Times are indeed changing. Many of the jobs which used to be shunned as unacceptable is acceptable so long as the money is good. Many of the MIGs are creating their own enterprises. The IT success story of India is largely MIG driven. Nevertheless, quick ways to affluence is viewed with lot of skepticism!

    Andy, you will need to visit India and spend time with the cross section of people to know something about this country and its people.

    May be we can connect through email and exchange ideas!

    Cheers!

    Murali V

  2. Success is viewed as “You Can`t Do It??” …
    I know lots of people who would want a better life!! …
    Me included, But as we brits (mostly) think with a “Very Stiff Upper Lip”
    Follow the pack … Don`t be different … You MINIONS Can`t Be Better … Wage Slaves the lot of them.

    Yet plenty of others have made it big …
    Andrew Reynolds over 50 million
    Simon Coulson MultiMillionaire
    Tim-Lowe MultiMultiMillionaire

    Trouble is “We Think” … usually .. “Think We Can`t!!” …

    Yours and Thank-You Andy … David Montague

  3. Paddy says:

    I am South African success is when you have somewhere to go, and enough money to get there and start again.

  4. Min says:

    Hello! I didn’t see anyone talk about Singapore so I’ll add in something here.
    Well, Singapore is a competitive country. Extremely competitive. Children are often taught stuff that are taught later in other countries, and adults have to constantly “upgrade” themselves if they want to stay employed (e.g. taking a new course every ten years or learning a new skill every 5 years?).

    In SG, success is viewed by having the 5 Cs – namely: Car, Condominium, Credit Card, Cash, and Country Club Membership. But that’s just a saying. For average-income citizens, success is owning a house, a stable income, and for older generations, having a wife and child. Bonus would be another property for investment.

    Extra Notes:
    stable income = at least SGD4000+
    Cars and houses in SG are very expensive. Housing units with 3 bedrooms + kitchen will cost at least SGD600,000. Condomniums are usually around SGD1,000,000+
    Hence, most people often spend 17-30 years paying off instalments for the houses.

    Hope this helps! ^^

    • Min says:

      I forgot to add in some stuff.
      Generally, you are not encouraged to start business. Just like UK, we are expected to become worker drones too, but we’re expected to be promoted and reach a managerial position. Starting a business is seen as stuff for rich people to do. However, entrepreneurs are not shunned and instead consulted. There are many seminars held to teach people how to “make more money”, but not motivational talks. And goal-setting is taught in school. Children as young as 10 years old are to start thinking about what they want to do when they grow up (most answers are policeman, firefighter and all the other “macho” jobs presumed by boys). Since 7 years old, we go through target-setting at the start of every year. You have to set your dream grades and marks, then record down your actual grades once you get your papers back. After that, reflect and set a new target. The cycle continues.

      I don’t think everything I’ve said is correct, but this is just from what I see and observe.

  5. Sheryl says:

    Hi Andy,

    As so many of the others have said who weighed in on this question, goal setting and entrepreneurship is not something that is taught in the school system in United States. “Stay where you are,” and get a college degree, so that you can earn a decent living is more like fulfilling the “American Dream.”

  6. Mallika Raghavendra says:

    I am from India and as you have mentioned we are deeply spritual in nature, and are more family oriented rather than self oriented that is we tend to share everything with family but things are changing now and people are becoming more self centered, goal oriented and wanting to make money . Again it depends on the state to which you belong. I come from Bangalore which is known as the silicon valley of India. People here are very driven, ambitious and would greatly benefit from your programme.So if you want to do any programmes in India it would have to be in cities like Bangalore, Chennai Hyderabad, Delhi and Mumbai. Most of us have a very good command over english.You will be surprised to see how intelligent and knowledgeable Indians are and extremely well spoken. I guarantee you that that your programmes will be sold out in no time

  7. Edward says:

    Good Day Andy. When will I be able to purchase ABFM and UABFM Books available on your site. I have the funds now but unable to purchase these books. I desire to start 2014 on the correct foot.

  8. We have an incredibly beautiful country . That’ s why Prince Charles visits us often and even has properties in Romania .
    What is Romania ? For 24 years, after the Revolution of 1989 , we all strive to have a democratic country , but unfortunately those responsible for it, defend their own interests only . Therefore it is inappropriate to talk about financial success in Romania . Those who have a lot of money , because they have held power and were stolen or have been favored by those in power , not that it would have some merit in this.
    All factories and plants were destroyed , people do not have jobs . Unfortunately, even studies people do very hard , especially them , because most of them are fair and honest .
    Instead all scammers have the guts to get in front , does not matter the mind training. Parliament is populated by drivers, warehouseman , etc …. corruption is rife . and this is why Romania , after 24 years of the revolution has not reached anywhere yet . Does how long you should wait?

    Regards,
    Marta Georgescu

  9. Keith Borgnet says:

    Hi Andy,
    I’m going to go with my own theory on this one and use one of Robert Kiosaki’s quotes too in saying that It’s a lot of what the rich teach their kids and the poor don’t – mainly because they don’t know either…
    I was told to do good at school so i can get a good job and to keep a bit of money aside for a rainy day – that’s it simple!!
    I haven’t read all the replys here so i might be doubling up, but the way i see Australia is that they are slowly but surely selling the country out – there have been a lot of good inventions come out of this country, but not much backing, so people are forced to go overseas with their wares – Americans seem to back a lot more and will have a go at anything.
    The working class seem to hate the rich, saying they are tax evasers etc – not realizing it’s the entrepreneurs that create jobs and keep the country afloat…. why the hell would they want to give their money to a hungry mob of non-producing vultures ( shouldn’t talk about the government like that should i) when they can be using it to create more…
    I actually went to school in NZ and I’m guessing it is the same here, you never get taught anything to prepare yourself for the real world – like stating your own business etc…. seems like it was meant to be that most of the successful I’ve heard about got bored with school and dropped out… So glad i was a good boy and ate all my lunch :)

  10. Bridgette says:

    Hi Andy.
    The country I’m currently living is Malta, but nothing for me here to look up on business.
    I’m planning to leave in 2014 when my tenant contract runs out. I’m native German
    and lived since around 15 years in few countries including UK before I moved to Malta,
    mainly of the sun combined with English speaking. In Germany where I grew up, the
    neighborhood had few businesses and also relatives owned companies. So I was somewhere influenced by it. I was early by my parents called a day dreamer. Later on I became a bit a rebel and the black sheep of the family. I didn’t like the static and the norm in Germany, you’re not supposed to stand out but follow the rules. I find Germans can be greedy, self centered and egoistic about financial success. You don’t talk about money, either you have it or not. Germans are not much risk takers, they’re prefer to playing safe and secure. They like to analyze everything. There can also be quite jealousy if people become too successful or wealthy. If you’re too rich, the tax man often finds a loop whole to hunt you down. I think for that reason I wouldn’t live in Germany again when I’m being rich. Also there is too much of paper bureaucracy and rules for everything, simply called control. What I like is, we’ve a straightforward attitude, especially in business. No secrets hidden. Either you like it or not. Unfortunately mindset change and teaching about entrepreneurship is something I don’t know a long time. I wish I knew much earlier how to be my own entrepreneur. I don’t won’t ever depending in future on other people’s grace or working from pay check to pay cheque. I went all through this already. But it’s not a easy process to change the mindset if you have grew up with negative phrases like “Money doesn’t grow on the tree”, “Only if you work hard you’ll achieve something. So I’m very happy I found your success program Andy to make my dream come true. Future Multi Millionairess, with a mindset to achieve all my dreams.

  11. Bridgette says:

    Hi Andy.
    The country I’m currently living is Malta, but nothing for me here to look up on on business.
    I’m planning to leave in 2014 when my tenant contract runs out. I’m native German
    and lived since around 15 years in few countries including UK before I moved to Malta,
    mainly of the sun combined with English speaking. In Germany where I grew up, the
    neighborhood had few businesses and also relatives owned companies. So I was somewhere influenced by it. I was early by my parents called a day dreamer. Later on I became a bit a rebel and the black sheep of the family. I didn’t like the static and the norm in Germany, you’re not supposed to stand out but follow the rules. I find Germans can be greedy, self centered and egoistic about financial success. You don’t talk about money, either you have it or not. Germans are not much risk takers, they’re prefer to playing safe and secure. They like to analyze everything. There can also be quite jealousy if people become too successful or wealthy. If you’re too rich, the tax man often finds a loop whole to hunt you down. I think for that reason I wouldn’t live in Germany again when I’m being rich. Also there is too much of paper bureaucracy and rules for everything, simply called control. What I like is, we’ve a straightforward attitude, especially in business. No secrets hidden. Either you like it or not. Unfortunately mindset change and teaching about entrepreneurship is something I don’t know a long time. I wish I knew much earlier how to be my own entrepreneur. I don’t won’t ever depending in future on other people’s grace or working from pay check to pay cheque. I went all through this already. But it’s not a easy process to change the mindset if you have grew up with negative phrases like “Money doesn’t grow on the tree”, “Only if you work hard you’ll achieve something. So I’m very happy I found your success program Andy to make my dream come true. Future Multi Millionairess, with a mindset to achieve all my dreams.

  12. Chris says:

    Hi Andy,
    New Zealand is a wonderful place to live. Generally people are friendly and have a “can do” attitude. Small businesses dominate the economy, though there seems to be a real growth in political correctness and red tape.

    The “Tall Poppy” syndrome is definitely alive and well here but the funny thing is we are VERY proud of our sports people. I would say success in sport is held in far higher regard than financial success. For a small country we have produced a large number of people who have been successful in many areas, but in some ways it seems we are almost embarrassed to acknowledge it. It is seen as bragging or similar. I would say that a number of Kiwis that have done well financially have left NZ to do it.

    Oddly enough, we don’t seem to have a problem with other peoples success or fame. I live in a beautiful area near Queenstown (bungy jumping anyone?) which is a tourist destination. We have a golf course and country club called Millbrook Resort (a great spot for a LDG) When Bill Clinton was US president he stayed there as did Bill Gates in 2010 for New Years Eve. There was A LOT of media coverage on both these visits with the most frequently asked question along the lines of “What do you think of New Zealand?” It’s as if we need others opinions to justify our existence .

  13. Andrew Fleming says:

    Hi Andy
    Never heard it described that way before for the UK – ‘trained to be worker drones’ – but I think it’s a very good description. Entrepreneurs seem to be regarded as ‘a bit grubby’ and self serving. And entrepreneurs who ‘fail’ often get the ‘well,he/she deserved’ their fall from grace. Stepping out of line is not encouraged, failure is their ‘just reward’…..

  14. Ravindran Krishnan says:

    The fact about how financial success is viewed is not known. However the reality is that, people are more caught up with greed for money with no time to plan for or celebrate its success. Financial success is a thing to be sought after at ones own evolutionary risk!!

  15. Patrick says:

    In Belgium success is almost always seen through the lens of envy and a certain amount of distrust. It seems in Belgium everyone has to be equally mediocre in order to be socially acceptable. Exceptions exist and Belgians do like their winners, but they love the underdog even more. A success mindset is not taught in school at all. We’re still at the stage of convincing schools to teach the kids to brush their teeth after lunch, so we’re not in a frame of mind to teach them about designing their future and their success. It’s a real pity but Belgians still think their already stressed social security system is ultimately going to jump in and save them. This means they are stuck in a poor-poor pitiful me narrative and they don’t take responsibility for their own lives. All the economic indicators are in the red, SME’s are going bankrupt everywhere and our country has – together with France – the highest income tax in Europe. One of the Belgian newspapers ran a series on successful Belgian entrepreneurs. Turned out two out of three didn’t even live in Belgium anymore but had moved to silicon valley because of the support they could get there for their business idea, support they found non-existant in their own country.

  16. Dinesh K. says:

    India is a land of opportunities – “Big and Large Scale”. The number of educated and employed is increasing. New avenues of large scale business which has economic “value” gains success through planning, co-ordination and effective control. “VAST” is a small word for growth in India. Potentially explosive growth can be exploited. SEE the gains and growth of “Cocacola” and “pepsi” in india, the early entrants of vast market visionaries now set to gain exponentially due to their present and future growth plans. The pulse of India lies in “VALUE FOR MONEY” that is volume growth is the key to earn money and people/public at large are always is hunt for “vfm”.
    If you can project gain to the user/consumer, then you can sell anything under the sun in india.
    and in that if there is durability of the gain, then the horizon of the market may be insurmountable.
    the potential of india is wide and vast, india is ready are you ready? that’s the call of the hour/day/week/month/year/decade. getting it..get it right

    Dinesh kotecha

  17. Nick says:

    I understand financial success acceptability here in the US as dependent on social class. That’s probably true around the world. If you are from a family that accepts wealth as preferable to sucking from the government mammary, you have support. If your circle of family and friends have been taught that Welfare is acceptable, they will try to sabotage a member’s desire to rise above. Welfare was instituted by design to reward families without a male supporter. If you are asian, hispanic, indian, white, middle-eastern, and others, success is admired. If you aren’t, you might be accused of delving into non-legal sources of income. Such a shame.

  18. Regina says:

    I am a Jr. High teacher. I left a local school district to take a teaching position with a charter school. My background as an artist and my single subject credential in art allowed me to develop my own curriculum and create an elective class called, Film Art & Design. I have the pleasure of helping to foster creativity and artistic skill in adolescent teens. I teach 7 classes a day, I meet 100′s of students and my students love my class. I feel I am a highly successful person. I also believe that I am paid a good salary but that it is the problem of inflation that makes my salary look and feel inadequate. American government has set an interesting tone when it comes to financial wealth. We see our leaders mismanaging money, being frauds, liars and telling us that most Americans are too dumb to understand how to manage funds so we should let non-governmental agencies like the IRS handle economics. Most middle class Americans measure financial wealth by material goods and so we become a nation of debtors trying to look wealthy but feeling miserable because we are secretly in debt. I believe the first step to gaining financial wealth is feeling successful without the wealth. Learning how to live within your means and learning how money can work to your advantage. Then setting goals toward your objective (getting wealth) will yield changes. Depending on the demographics if you ask young people about how to become financially successful, many believe you must either be exceptionally smart, have connections at the top, be born rich, or really lucky. Keeping in mind that while most students spend most of the day at school, what impacts them most is their home life. It is the home life, however good or bad that forms a strong believe system in the mind of the child. Another big impact on the mind of our future generation concerning success and wealth, is predictive programming coming from all media. Many of the individuals young people pick for role models were never meant to be people they model any part of their lives after.

  19. Jessica Moore says:

    Andy,
    I live in the USA, and I am going to second what Sabrina has said, but I want to add the following as a personal experience and my opinion on what success is.

    I grew up in a loving family, and was taught that education was the pathway to a better life. I went to school, got decent grades, and excelled in trade school. However, when it came to looking for a job, that’s where my bubble burst. No one would hire me due to my physical disability, so I went back to school for retraining, and buried myself in so much debt that I can’t pay it off. Aside from that:

    Success to me is having all the basics in life, good health, a decent job/business, being able to pay bills and save for a rainy day, and the most important thing, to help others however and whenever you can as well as taking care of yourself and loved ones.

    • Jessica Moore says:

      I forgot to add that your Success Made Simple course changes lives. I have just started my journey, but I can already tell this will equip me to handle myself in this rough and tumble world.

      Thank you for giving me the tools to save my life. God Bless you. I will repay you by being successful. All my love to you and your family.

  20. Rick says:

    Hi Andy. I’m in the US and in spite of a sickening and desperate attempt by our current administration to destroy capitalism and punish those who succeed here,

    I think (consciously, thanks to you) that we are still the likely world leader for being or becoming an entrepreneur, who can accomplish pretty much anything that we decide to do in terms of creating a business that we firmly set our minds on.

    That’s the key though isn’t it?

    We’re nearing a point of a re-awakening of the American spirit here as we begin to “Think”, and as many realize that they have been lied to by incompetent politicians, who have temporarily lost their connection with what it is that we, as citizens desire most.

    What we desire MOST, is Freedom. Freedom to think, freedom to create, freedom to fail and mostly the freedom to do it unencumbered by a bunch of idiotic bureaucrats who seem intent on fearfully designing laws, that attempt to protect everybody from the very things that will ultimately drive them to win on their own terms.

    You are very right about the biggest problem in the world being “unconscious thought”.

    IF you by chance are, a thinker here in the US, it is very likely that your chance of creating a life and a business that serves others well and makes you a good living is attainable.

    We do have some work to do as we unite loudly and forcefully, and rebel against those who have forgotten what our Constitution says, and have therefore hijacked us lately, as they have, and continue to attempt to build an unsustainable and costly “safety net” of guaranteed rewards, for those who for whatever reason do not, will not, or cannot seem to think their way out of being regulated into a virtual set of handcuffs that we are finding ourselves in lately.

    We are still (in my humble opinion) the greatest experiment, and last best bastion of freedom that the world has ever known, and IF and when a few more of us mange to start “THINKING”, we should bounce back nicely in spite of what is happening in the world overall.

    I have always said that “there is always something that’s working”. Lately we have neglected that kind of thinking here in the US, and instead we have wasted a lot of time effort and money on protecting our citizenry from itself, which has been a spiral of disaster, especially financially. Capitalism works, and the market knows best. NOT the government !

    Our support for entrepreneurs in the US has been beaten down by class envy driven, and incompetent elitists as of late, but we are NOT by any means defeated, so as your reach grows, and as your mission (an impressive and admirable one I must say) to get a small percentage of the people in the world “THINKING” you will likely find many allies and supporters here in the US.

    I know personally, that I am clearly one of your biggest fans, due mainly to the fantastic results that I have received from your work, and I have been greatly empowered by your teachings and your guidance towards creating MY truest desired life, as my “bugs” have simply fallen away, and as that has given me the time and space needed, to pursue what I am truly capable of in my life.

    God Bless you and your noble and ambitious cause to empower us as individuals as we collectively do what it takes to change the world for the better Andy.

    And lastly, thank you Andy for bringing this good news to us, and for your insights and wisdom and the help, and benefits it brings us, in our becoming who we are destined to be here and NOW in this incredible journey called life !

  21. Chris Hilbig says:

    In the United States, entrepreneurship is very much our heritage. Some of the greatest Americans who have ever lived were entrepreneurs. (Ben Franklin, Steve Jobs, Walt Disney) Unfortunately for the past few decades, our progressive elites have been conditioning new generations to avoid risk, go to college, and to find “a good job”. The educational system is designed from top to bottom to generate employees and/or wards of the state. (I won’t call it slavery because unlike slaves, Americans still have a choice whether to play along or not.) In spite of the numerous new millionaires that appear in my country, friends, family, “experts” on TV, and even our most financially successful discourage growth, demonize wealth, and shame us into making poverty a virtue. If you’re a Catholic like me, this gets drilled into your head practically every weekend. It’s all about bettering “the community” now, not ourselves and our families.

    The Bill Gates of our country feel and act ashame of their success and money. They talk about “giving back”. This is in spite of all of the good things they’ve done and given the world through the goods and services that their businesses provide to the world. These people even fund and support programs that actively undermine the success of younger generations while in grade school. (See Common Core.) This in the name of “improving” our failing schools that never seem to have enough money, the right equipment, and/or despite the numerous bond elections that get passed, school buildings that get spun into third-world cr@p-holes.

    The general population is more likely to bash a business, corporations, or a successful person because they assume that the financially successful screwed lots of people to get where they are, then to praise these great people for their success. Think of all of the anti-business movies and TV shows that Hollywood releases year after year. They constantly reaffirm that business is bad and wealthy business men are really just villains out to harm others.

    People in the US do still pursue a better standard of living and all of the nice things that come with it. But most of them rely on debt to pay for it. Then they go into debt and eventually go bankrupt. When I talk to my friends about money, the conversation either leads towards winning the lottery, welfare, never having enough money, or how someone who had a lot of money and pissed it all away. I feel that for most Americans, “financial success” is an over glorified pipe dream. It’s either go into massive dept while in collage under the hope that you’ll get a career that pays big, or not try at all and be stuck in a menial job.

    It’s not as bad as it is in the UK, yet. But the pursuit of financial success in most corners of American society is looked down upon or tempered with that it can be unhealthy. I don’t know with any certainty if this train-wreck can be overcome or not. We have quite a few screwed-up generations of people and the progressive bureaucrats that they constantly reelect, who constantly create new regulations, government programs, and restrictions to over come.

    Unless your surrounded by success-oriented people (or people who aren’t afraid of success) financial success seems like a long hard slog. I’m still pushing forward myself in many different areas. I hope to produce an ebook in the coming year. I don’t know if I’ll make any money off it, but I do know that the current track of working for a living will never cut it for me. So I have to do things differently from others.

  22. Senthil says:

    Hi Andy,

    About India.

    Yes, religion and culture plays important role in Indian society. India is a combination of both good and bad. Most people here are intelligent but ignorant. People in India have strong attachment to caste and religion. Much respect and good treatment given to Women (mostly).And yes most people want to be very rich and famous. In India, financial status of a family or person is measured by having own house, cars, Lots of gold, and a decent white collar job/business.

  23. Zora says:

    Hello Andy! I am also from Serbia like a guy who posted his comment previously on this list. His name is Marko and he is from Serbia, too. Herewith I can only confirm everything that Marko said. Thanks God we have you :) Once again, thank you for everything and God bless you!

  24. Cheryl says:

    Hi Andy
    There are a few known /unknown leaders that care about upliftment of humanity in this country. so you can find out through http://www.leadershiponline.
    Manela – legacy and his charity organisations ” respect and tolerance, good mind, good heart creates clarity, understanding, harmony.
    Professor Jonathan Jansen of the university of Free State- “beautiful mind”
    Patrice Motsephe – magnet mining
    Johan Rupert – Rembrant, wellknown for its alcohol and tobbaco
    Shawn Thomas -master of the surfers
    Cyril Ramaphosa ,
    Alos Musk , now living in America- wellknown founder of SpaceX and Tesla motors.
    Anglo american, variety of charities to uplift humans that make a difference and workshops on no. 1 priority – safety and awareness, first aid levels , recognising hazards at work place, environment awareness, aids awareness, care and giver awarenes etc.
    this country is very small yet potential great light to dissolve darkness on the continent of africa is properly possible. How?Cheryl

  25. Esther says:

    I tend to agree with your own assumptions on life in the UK. I dont know about entrepreneurs being overlooked, dismissed or ignored as I am just a small fry but from where I sit, I think we do not teach our kids to think for themselves, or dream BIG we are expected to conform to society’s laws and rules. In many ways I think we are very blinkered here in the UK. Too many old boys networks and class systems still in place and thriving.

  26. Evan says:

    If you are rich in Australia I think there are differing views about it. Sometmes it seems one wonders where they got their money from, so a bit of suspicion seems present and also the ‘tall poppy’ syndrome, where those who seem to be getting somewhere are attacked or ridiculed. When Kylie Minogue started out she got a lot of criticism and many artists and others have to leave Australia to make it.
    I dont think Australia encourages entrepreneurs. I see a lot of red tape for business here.
    At the same time there is the cultural thing of ‘having a go’ at something, taking a risk.

  27. Anthony says:

    As a Dutchman who has his living here in Laos PDR, I think I have another view about this beautiful third world country than the most Laotians has. Because with my 75 years and coming from a “rich” and modern country, I have so my experiences! As I came to Laos seven years ago, I found a country what was like the Netherlands 60 years ago. In the growing and building up phase. During that time the Netherlands became more and more modern and richer. You could see that throughout the country and by now, I see the same things happens here in Laos. The Lao Government has planned to get rid of this title “third world country” by the year 2020 and I belief they will reach their goal. But more modern and richer was never a warrant for more happiness! The best thing Lao has is their belief in Buddha. That keeps this people so calm and peaceful, unbelievable! I’ll hope that this country keeps his own identity and never will become Islam intruders.
    The Lao borders opens their doors for trading with every country in the world and that is a big benefit as well for the Lao PDR!

    Anthony Coenen

  28. Ryan says:

    One more thing, Andy, about the US:
    There definitely are businesses, especially new ones, who seek to do something new and better. There are lots of new companies like Panera Bread, who opened up a restaurant where people just walk in and eat for free, and Elevation Burger, who focuses on going green and sustainable business practices. Such money makers are very creative and considerate, and people see that kind of success as a good thing. I’m always happy to spend an extra dollar on those guys, or on a friendly local business.

  29. Olivia Baldwin says:

    Hi Andy,
    The culture of success in the USA is centered on the concept that ‘anyone’ has complete freedom of choice to make a successful career, and a successful life. Entrepreneurship is encouraged. The thing that many people outside the US often think is that we are all pretty similar in the US. Truth be told, we are a vastly diverse nation, and really cannot be pigeonholed, into one or just a few mindsets of how ‘we’ define success. ‘We’ includes cultures(stereotypes) as varied as New York City urbanites, Rural Texas ranchers, Colorado skiing hippies, Florida retirees, Boston intellectuals, Portland Oregon sustainable living supporters, Midwest farmers, California ‘fame’ culture, Washington DC power brokers, poor folks in rural Appalachia, and that’s just a wee bit of the mix. Someone once said,” In Britain, we have three flavors of ice cream (van/choc/straw)…in America, it’s Brigham’s ice cream offering 34 flavors.” That’s our mindset… good luck! I love your books… and joyfully reading “Creating a Bug-Free Mind now”!

  30. Rick says:

    I’m seeing more and more of the “state” trying to mold good little workers, from licenced daycare to full day junior and senior kindergarten programs to not assigning marks and not giving the students comments that may hurt their self esteem. To the education system discussing how they are now “co-parenting”. I can’t help but believe that as the systems seems determined to lower the bar so no student is left behind they are working towards a new level where mediocrity is King and individualism is to be feared and suppressed.

  31. Ben says:

    Miles and Cat are close to what the middle class is taught with the school system. It really depends on what part of the country you’re living in the US, what are the industries, and what kind of parenting you got.

    I’m guessing you might’ve already knew this, but the model is to be trained how to be a good robot and fall in line through the public school system. People are open to entrepreneurship, but have no idea how to get it done. I thought I had a clue until I read your bug free mind but realized I was trying to make moves with fear lurking everywhere haha.

    The idea of success is definitely encouraged as an ideal and status symbol and obviously means different things to different people. Most people, when they are real with themselves, would choose a flowing life of ease, time freedom, and financial freedom, which can honestly be achieved quite easily compared to sometimes the mistaken ideals of the biggest house, fanciest car, etc, all for the sake of impressing others which is massively propogated through media. I think luxury is awesome, but it’s all about the why, and a lot of peoples whys might be off because of media indoctrination. did I just make a judgment? haha I choose to create wealth to know I can do it and be a blessing to myself and family. Happiness and freedom are within, and I’m eagerly looking forward to creating my life with ease.

    • Ben says:

      and thank you for all that you have done!! I’ll let you know once the 1000 per dollar we shared is visible on the physical plane :)

      and focus, gosh darn it! haha, your amount of projects is boggling and I’m sure they’re all working out for your and everyone’s best interest. Quite amazing. I will come to one of your events and give you a thank you.

  32. Janette Reynolds says:

    While I did make a comment above about not being taught goals and entrepreneurial skills in the US I didn’t comment on how much I truly believe your books are going to help me and my family. You are right that I have read the Secret a million times and many self help books and for whatever reason not much has changed so, I asked God to send me the one person that could help me and I believe you are that person. I am truly grateful for you and your books and the person you have become. Thank you from the bottom of my heart for being there at the perfect time and trying to help all of us out there that self help books haven’t helped yet. While I am still in the beginning stages of this journey with you I truly believe my eyes will finally be open to what I have missed in the past. Thank you so much! Your wife and your children are truly blessed to have you as a companion and father! I hope and pray to meet you in person one of these days and be the success story that God has used your work to create. I can’t tell you how much it means to me!

  33. Dear Andy
    You are right that most of the people in India, my country, are god fearing and they believe in doing meditation for their day to day perfect life. But the time has changed now, every one likes to earn name, fame and money. There are so many people who believe in donating money and wealth for charity and religious purposes. I belong to a lower middle family, but always willing to do something for the welfare of mankind. You can see some of my activities in a report available at first page of my website given with these comments. I have observed that Indian people are more concerned to each other than the people in other countries. You will find varieties of people in my country and usual good and bad people are also there too. I hope that your program will be successful in India also. I will feel happy to tell you more about India, whenever you need.
    Best of Luck
    Prabodh

    • manasi says:

      Hello Andy…Hi Prabodh!

      Andy, I totally agree with Prabodh here. However, I think this is true not only in India but also in other places all over the world. Spiritual development or spiritual success is becoming prime objective of humankind throughout the world in today’s age. However, every coin has its two sides and as Probodh said, today everybody needs financial freedom more than anything else. And considering the financial situation in India, I think majority of the Indians do need a strong financial education & support system. So, I truly hope that you organize at least one such seminar here…am sure you’ll receive a huge response!

      Regards,
      Manasi

    • Diwakar Raipure says:

      Dear Andy, Prabodh
      Prabodh has very nicely summed up the aspirations of people in India.
      Traditionally, Indians are very good in nature and like to help each other.
      However, as indicated by Prabodh, it is changing now.

      There are a lot of people who would like to switch over to spirituality and goal setting based on the ‘latest scientific and spiritual principles’ (rather than old -God fearing methods).

      A workshop on these issues would be highly successful in India and also would be rewarding to them.

      However, I would suggest not to organize such workshops in expensive 5+ star hotels as ‘Middle Income Group’ Indians do not like to waste money on luxuries unless they are sure of the outcome.

      Eager to hear soom regarding such workshop in India,

      D M Raipure, Nagpur, Maharashtra

  34. Susan says:

    From Texas, USA – Andy, thank you so much for this wonderful work of yours and for reaching out to help others – it is sorely needed. And thank you for your involvement and interaction with your students. It makes a world of difference. Especially for me.

    Summarily, the dictionary defines success as: the favourable outcome of something attempted; the attainment of wealth, fame, etc. I suspect that the perception of success will be both similar to and different from all of us in varying ways, depending on our personal upbringings and experiences.

    I am now 65 and grew up in Dallas TX in a middle class environment. In Dallas, you can see almost any level of financial status from the very rich to the very poor. But, in general, most people overall seem to think that true success is not achievable for them and live mediocre lives, trying to maintain status quo. They perceive success as primarily related to educational degrees, financial wealth, expensive possessions, all the latest technological toys, etc., etc. However, I am personally dismayed at the superficiality of most of it and the pride and arrogance it engenders. Many people will go into debt to have those things in order to impress themselves and others by giving the appearance of being successful while fully, but falsely, believing those things actually make them a success. Personally, Andy, I believe that you can do a great service to humanity by recognizing that everyone is different and by encouraging us to be fully successful in whatever each of us is made to be and do. Each person is unique – not everyone is made to be a millionaire or have all the gadgets, etc. We each make up the fabric of society and each part is important. Like the parts of our bodies, it would not be good if everyone was a brain or a heart. Many, many great, but unsung, people have made incredible contributions in humility without making a lot of money. Success, in my opinion, is when a person can live a life that successfully fulfills his/her individual purpose and soul pattern – whatever that may be – whether it is welding, lawyering, singing, “archeology-ing”, doctoring, landscaping, bus driving, writing, entrepreneurial enterprising, mothering, pastoring, “millionaire-ing”, etc…….. The problem is that so many of us are stymied in recognizing what we are truly designed to be and do and then in being able to fully be and do what we are designed to be and do.

    I am convinced that the failure of so many in the world to fulfill their soul pattern and purpose (even when recognized) and experience true happiness, is primarily due to limiting subconscious beliefs – our operating systems. The limiting beliefs which are established by parenting, educational systems, media, marketing, socio-political circumstances, war, abuse, poverty, other traumas, even certain religious beliefs, etc., etc.

    Thank you again for helping us to change our belief systems and to go forward into the fullness of the intended designs for our lives and true success and happiness.

    • Rick says:

      Nicely stated Susan. WE are all (I KNOW) much more capable of getting done what we are personally here to do in the world and our communities, and we can ALL be greatly empowered through Andy’s work.

    • Sonya says:

      Well done, Susan!

      Many thanks for filling in the “holes” in my answer (below). I am now in Fort Worth, TX. A tad bit “slower” than Dallas, but at the end of the day, basically the same assessment as you provided.

      Many blessings to all!

  35. Marko says:

    Hi Andy, I`m from Serbia, country where financial success belongs to criminals and politicians, and in most of the people there is an envy when they see you prospering in something, there are rare ones who back you up and support you on your road to success. Yet we grew up in an socialist system, brainwashed and taught that there is no soul, that the state takes care of us, and stupid things like that, so it took me a long time to clear my head out of all that that I has been taught in my childhood, to find out that my thoughts were really not my but something I was taught to believe. Lately a lot of things started to change when I started listening and practicing Abugfreemind, when I realized that power that we have to think what we want and not to think like a lot of people around us think, a little magic started to happens, I`m on my way again feeling better every day, practicing the way of thinking and feeling. God bless Andy.

  36. Steven says:

    changing for the better in the UK right now. No its not or ablest not for me.

    • Karen says:

      Unfortunately it’s a very negative view. A lot of people see it as something unattainable. The ones who don’t have money envy and hate those who do. The latter ones are the minority. Many also see it as something bad, virtually as a “sin”. No wonder how my country has such a high index of poverty, despite the fact that the country itself is one of the richest ones in the world.

  37. When thinking about money in relation to Culture, in Scotland. my experience is that Success was never talked about at Primary Schools, Financial Success were never mentioned Financial budgeting wasn’t encouraged and assumed to be taught at home,at home you were encouraged to get a job, but just getting by, or living hand to mouth was the mindset..Presently ,i see a lot of People struggling financially ,all ranges of People. Only a few Pepole are successful. There is a lack mentality with some People,they think they can’t change ,so they won’t i think you should eventually,,introduce “a bug free mind” to .High School Pupil’s. let’s face it Andy,if we wait on the Govern
    nent,introducing ,a Success mindset. to Pupil’s ,then we will be forever waiting. form Tricia.lol.

  38. Sonya says:

    Good morning Andy (here to finish what I’d started yesterday),

    Financial success has many facets in the U.S. Ultimately, I think how one’s financial success is perceived depends on who you are and the company you keep. It is important to surround yourself with people who support you in various ways as you pursue… well… making lots of money doing things that bring you joy.

    There are all kinds of people. Seeking support, whether it be via a mentor, classes, books, and so forth, is best approached with some discernment.

    Building wealth requires some discipline (i.e., spending less than you bring in, investing the difference in assets, knowing where you and your money are and are going), some self-knowledge (i.e., the desire to improve and learn more), a healthy stubborn streak, and, oh yes, a healthy bit of luck (Remember “… better lucky than good…”? Well…).

    The aforementioned requirements seem to elude many Americans (with a few exceptions, of course); the progressive degradation seems to follow generational lines. In fact, how financial success is viewed seems to as well.

    While the children of the “Greatest Generation” (Baby Boomers) were for the most part, given “better than what their parents had,” and technology made many of their lives easier, they still had good work ethics and learned some money management skills along the way.

    As the Baby Boomers gave their children “better than what they had as children…”, even simple money management skills did not seem important and therefore were not really passed on to their children. Many of my peers say, “My parents made me do ‘x’ and I hated it; I am NOT making mine do the same…”

    This sort of thinking has steadily eroded any understanding of “wealth”, even money… as a form of energy to be maintained and respected by the “X” and even more so in the “Y” generations.

    Based on my exposure to these children (having to work for and with them, or having them work for me), I sense this misguided sense of entitlement, disdain for people who work menial or manual labor, or who do not make much money (and have all the trappings that represent it), or even people who want to earn or have college degrees. For example I was informed by a strapping young lad work with/for me for not quite a week that people no longer need college to make millions; they just need the right “gig…”

    I am not saying college is REQUIRED to attain financial success, but in lieu of college, a person needs to be able to address their own deficiencies with STUDY and discipline, or at least be astute enough to choose wisely the people to have around them, who are better than they are at what they need to achieve… Let’s just call all that some… type… of “critical thinking”, er… who you are and the company you keep…

    So, what happens seems to be that the older generations “look down” on the newer ways the younger generations attain and view wealth, and the younger generations reciprocate… With a few exceptions, of course…

    For example, my foster father always said to me, “There is more than one way to get to California.” He was quite the entrepreneur, and taught me to at least LOOK at different options to achieve different objectives. I have also heard things like, “If your mind is too open, your brains might fall out.” While humorous, this also brings to mind that bit of discernment I mentioned earlier. My foster parents blessed me beyond belief with all that they taught me (which brings to mind my belief that understanding financial success really DOES start in the home – or not… but that’s for another day…)

    Off to feed my zoo! Many, many blessings to ALL of you and yours!

  39. Kulkarni says:

    Hi Andy, Greetings! I am from India and your assumption is correct that we are more spiritual than materialistic and people meditate specially in the early morning. Particularly breath Meditation. It will calm the mind and create decision taking capacity and how much money is required for leaving happy life that much only earning. I agree the comment of Mr.Sudhakar.

    Thanks

  40. Edward says:

    Hi Andy. I am from the Britain’s oldest Colony, Bermuda. Being out in the Mid Atlantic we are pretty much isolated from the Caribbean Islands down South and the U S Mainland, however we are still connected by air travel. Bermuda’s mentality is influenced more by America then Britain when it comes to Success. Go to school, get a higher education, get a good paying job, save for some type of rainy day. In Bermuda the mentality is that as long as you have a great paying job, a house, car, take vacations 3 times a year, and have a family, you are considered successful. When you talk about entrepreneurship, what pops up in the majority of the worker drones’ minds is business failure and risks. When some thinks outside the box, people down play the idea or talk negative about the individual. Also here in Bermuda, there are I would say, about four or five classes of people. The few poor/ homeless, the working poor, Middle Class, Wealthy Middle Class, Rich and the the Ultra Rich that own homes $20 Million+ Homes. I was born in the Wealthy Middle Class however I was conditioned to go to school, get a degree, find a great job, and get married and have a family. I am somewhat of a rebel and have always thought different from the herd mentality. However even studying personal development for the last 5+years I was going nowhere until I came across your website Andy. I am now in the process of clearing at least 95 percent of the bugs that’s holding me back from ultra consistent success. This Bug Free Mind program is definitely something that has to be introduced to the people of Bermuda so they can reach their fullest potential.
    I would love to partner with you or be an ambassador for Creating a Bug Free Mind.

    Future Multi Billionaire

  41. melanie says:

    Hi, This is melanie from France.
    In here financial success is based on luck!
    French people are desesperate.
    Our governement increase Old Taxes and each year add some new one,
    – about having a french business (just a dream) most of the small compagny are clothing) Taxes are to much expensive.
    - about Familly : they are struggling, working hard for a very small pay day.

    So to answer proprely your question
    1. luck is the number one
    2. moving to another country.is the number two
    3. Hum there is no number 3!

    Honestly, the majority of French people don’t speakk english, they don’t travel a lot and they don’t like changement.

    Best regard to all of you!!!
    and I wish you to have a very good success!!!

    Melanie P;

  42. John C. says:

    YO Andy!
    Having lived in India mostly since 2005, I’ve got to say that the general perception of India by those living in the West is a pretty far distance away from inside the country.
    Meditation/yoga practice/pretty much any spiritual practice at all (this is to distinguish from “religious” practice as in waving incense, ceremonies, prayers to one’s chosen deity for “luck”, good fortune, grace, etc.) is at a minimum…
    Having practiced yoga and meditation off and on since I was 9 years old, it was really a wake up call when I first traveled here…my assumptions all being blown away…
    The youth-middle age crowd that I’m familiar with (Mumbai/Bollywood, Delhi urban, Bangalore software people and general entrepreneurs) are all waking up from the western materialistic dream which has been the dominant marketing push for the past 10-15 years and getting more and more interested in conscious awareness in all aspects of life including business and wealth…but the majority are still hypnotized by the paradigm of limitation, scarcity, competition, etc. a sort of love/hate relationship with wealth and often a fatalistic resignation with the status quo (particularly the third world behavior of the gov.-run telephone company, but also the limitations of the caste system… A few are really working to teach a new approach and have been well-received by many…check out sandeep maheshwari and amazing force for positive growth…
    Cheers
    John C. =0)

  43. Eva says:

    So many comments, but no Spaniards or Germans… I’ll change that ipso facto. I have been living in Germany for the last 20 years, but I am Spanish. So as a Spanish German I would add that perhaps due to history and past difficulties, many Spanish parents “kill” any dreams their children may have of beeing entrepreneurs because it could be “risky”. It is always better to find a safe job for liiiiiffffffe even if you feel miserable and hate it 40 years long, or so. The Germans take much more risks, but they want to feel save as well. They love control too much. So they will analyse everything before taking action.

  44. Like you Andy I am British born and bred. I am also older than you at 59 in 2013. I have to say there are two ‘problem’ areas – home and school.
    Looking back, during the 60′s, when I was attending we were mostly being prepared for the factory life. There seemed to be little encouragement to achieve just a little unless parents involved themselves and then the school also jumped on board and did similar, encouraging the pupil. The word NO was the predominant response to almost any question/request – I hope this attitude has changed but fear it hasn’t…

  45. The foregoing comments from India remind me of the story of seven blind men describing an elephant. All of them are right and all of them are wrong, holistically speaking.

  46. sudheer says:

    Hi andy,
    I am from India. Normally westerners do not talk about India in their discussion though they have high regards of India:). In India we think it is the duty of the parents to give good education , financial assistance to their children till they are capable of earning which starts at the age above 20years. Most of the marriage are also arranged by parents with consent of the son/daughter. And they will construct homes also which is sure to be for their children. talking of getting rich openly is thought to be very rude. We are very much underinsured and mostly invest in real estate and gold. Shares are Big no no.
    Most of the parents financial goals are only to save for the children education which are getting costlier each day. and the next important thing is marriage and house. So 70-80% of their earnings go for this. They don’t spend for vacation or save for their sunset years much as they believe their children will look after them. except in few communities mostly Indians do not want to be entrepreneurs. Slowly this is changing. As regards to spirituality british rulers and socialist thinkers have made our people to believe that our traditions are nothing to boast of and full of casteism and some thing to be ashamed of. Still people believe in multiple gods without any issues. Most of us look for approval from west. if west says yoga is good then yoga is good. Self belief and self respect are little lesser compared to western countries

  47. Olivia says:

    In the main its considered here that if you come from an affluent background and a top education system you will become successful.
    Unfortunately when in the education system the average person is indoctrinated with the idea that one will always have to work hard for things in life, not encouraged with the belief anything is possible all you have to do is believe.
    As a result the vast majority believe life is a struggle and that’s just the way life is, if in my opinion children were nurtured to believe they can be anything they want and they deserve the best in life then we may have a much more successful country.
    Possibly the most popular saying here is ” Money the root of all evil “

  48. rochelle says:

    hi andy.
    sorry for not writting to you.I hope you are well and thank you so much for your most welcoming e-mails.
    you asked about our financial state in our country. well I will be talking about Greece since I live here now for the past 10 to 13 years.i’m south african by birth married to Greek.
    I live in crete. its the most peaceful and relaxing place to live.
    But as you all know now we are in a very difficult situation . there are no job for people and on to top it all we have no olives this year. the olives help us a great deal.with oil and money cause we keep oil for the year and sell the rest.
    Greece has been hit the hardest i think. Young ones are depentant on the old age for help.
    we grow our own veg and we also have much fruit, but thats not enough we still need to pay for light and water, rates and taxes, the people out in the towns are the ones that really feel it the most. Greece was a place that was always full of joy and excitement.But this situation has dropped faces. we or should i say i live by the Grace of God.
    hope this explains why i never reply or buy your books. i truely Live by the Grace of God.
    thank you for every thing you have given me. but i think that no matter what one trys to do , its not the time.beleive me i think all the time what can i do for a living. i’m at home, living off my mother in law.with not a cent, i also do know its not fair for her to pay my light and water.and food .hope the situation in Greece changes.
    my God bless you Andy. and stay well.
    your friend rochelle

  49. sagar says:

    Hi Andy,
    I am from India. In India financial success is based on one’s assets.
    Overall thinking is that way only. Here financial success means a person ha s-
    1) House/bunglow 2) Car 3) Stable financial income 4) Good education 5) Good job/business 6) Family wealth like lands, agri land etc.

  50. In South Africa everyone want to be financially rich and successful, but there is a term
    called ‘affirmative action’ created by the government where only blacks must get all top
    jobs – blacks must be employed first before other races are considered. They would
    remove a white, coloured or Indian and replace him with half a dozen blacks. Blacks
    have the notion that everything belongs to them and that they should have it without
    paying for houses, electricity, water etc. The economy is sliding because they are lazy.
    In a country very rich in minerals taxes are a burden and it is a crying shame when
    pensioners and disabled people have to pay the same amount as those employed. So
    we can say that the fruits of the country are not enjoyed by all and will never be because
    they believe everything is theirs and why should they pay. Huge amounts of money
    disappear and persons involved are not dismissed or made to pay. GKT (JHB)

  51. Teddy says:

    Habari Bwana Andy; i leave in one of the suburbs of the capital city of Nairobi in Kenya. Just like your country; we are encouraged to be worker drones from an early age but difference is, to serve the few selfish ( especially more so the political) elites. If you succeed financially, because of the nature of our Kenyan Society; people generally assume either it is because you have come from tribe x / you are brushing shoulders with a political big-shot or you have acquired your wealth through suspect deals. But hey; i could be wrong about financial success 101 in a developing country.

  52. Vuurwarm says:

    South Africans, and I am one, are yet to take ownership of South Africa. Most have the parasite mentality of being beggars in a natural resource rich country. Our ANC government lead democracy is not assisting as they are looting at high scale instead of relaxing business/ financial regulations to the benefit of the people. No wonder crime is as dire and unstoppable as is experienced. Our people are not set on being financially emancipated but are focussed on acquiring educational qualifications in social sciences instead of engaging in endeavours such as business ventures and inventing commodities the whole world could benefit from (we have the raw material). The slave mentality (poverty) and being enslaved (little or no financial emancipation) will remain for as long as our people fail to wake up and take ownership of South Africa and the endless business possibilities it presents.

  53. Shankar says:

    I belong to the most ancient country on this earth, INDIA (Bharat).
    Financial success is viewed differently by different classes of people – the poor, the middle class and the rich as “Money is filthy”, “money is good” and “money = abundance” in that order. The younger generation is slowly realizing that you can be rich and spiritual at the same time. And that is great. However, India is unique in every aspect and so there is little that you can compare it with others. The number of engineers and doctors in my country exceeds the entire population of some small European countries! (You can cross check this). There are many MNCs here which have survived for more than 80 years and some MNCs have left the country. Those who left did not know one little secret: Unless you ‘ Indianise’ your values, you cannot survive in India for long. On the other hand, we very quickly adapt ourselves anywhere!

  54. Peacock says:

    Hi Andy,
    Financial success is generally encouraged in Australia. I think however, that it is seen as the final outcome by many young people and they are not taught the type of material that you advocate in our schools. Our school system has become much like the UKs (I have worked in both). It stifles creativity and entrepreneurial spirit. I think it creates the virus you speak about and therefore your work is really needed for these students.

    I worry about the shortsightedness of the current Australian Government. The current tax system does not look after entrepreneurs. It encourages people to invest in property (which I know you like) but this just leads to higher prices and makes it difficult for young people to buy a home. The government also gives billions of dollars in subsidies to the mining industry which is a waste of taxpayers money….

  55. Rose says:

    Hi I am proudly Australian. Yes we do knock our
    tall Poppies.We also are entrepreneurial. We also have this attitude that if you are a millionaire you must have come by it through taking advantage of others. We are great inventors in many different fields eg Medicine, machinery, systems, scientific research. We tend not to reap the benefits of these because we are forced to go overseas with our talents to implement them then buy them back for our use from other countries.We have amazing wealth in our soil, in our talents we just need to learn how to utilize these talents more from home. For most Australians I would say that financial success is being able to do what we want without financial pressure. To have a roof over our heads, work to live not live to work and feel secure in the knowledge that we can take care of our financial well-being in old age.

    • Dave says:

      Well said Rose – yes it is very true that the Australian Government lacks the foresight to back so many life changing findings, research gets conducted here but then due to a lack of support by government and the public in general following research those same researchers are forced overseas to find organisations willing to support production. You are also right that the view of the majority is that if you are wealthy you have done so at the expense of others – in some cases this is true as the big end of town do not necessarily act in the best interests of all by not paying what they should in taxes to support what we take for granted.
      Financial success to me is about freedom – freedom to work (or not), freedom to enjoy everything that life has to offer (as long as it is legal!)

      I have been fortunate to retire at the ripe old age of 55, I own my house, I have two gorgeous children and two gorgeous grand children, my wife and I drive late model cars, and the decision to retire was more about putting some control back into my life – about deciding whether or not I want to work as opposed to having to work because I needed to. Now don’t get me wrong I am not on any large superannuation pension and yes I would like to buy each of my children their own house and set them up for the future but does this teach them anything?

  56. Frankie says:

    In the US, I think that we operate under a paradigm in which we define our lives by our perceived success or lack thereof. Implicit in the idea of success is money and material things. The size of our home, the car we drive, the clothes we wear often determine our self-worth.
    As children, we are taught that we can be successful and achieve the American dream with strong skills and hard work or a good college education. This concept is more job driven than entrepreneurial. Written goal setting is encouraged and even required in many corporations. For most individuals, goal setting and creating ideal lives is a loosely held dream in their minds until they become so exasperated trying to survive that they set their dream aside and settle for just getting by.
    The US has been experiencing several years of economic uncertainty with high unemployment rates and foreclosure rates. We have disappearing jobs, high consumer debt and a mountain of student loan debt. I think our country is on the cusp of a paradigm shift. So many people, especially young people, are reexamining old assumptions about the value of a college education and the definition of success. They’re taking into consideration how much joy they will have as a result of their work. They are reinventing themselves through inspired action from the heart. This seems like fertile ground for entrepreneurship as well as much more fulfillment in life.

  57. Issie Olwage says:

    Hello Andy

    Hay unfortunately I live in ZIMBABWE – Africa. Oh Man I can tell you some stories about the subject in this country!! There is NO financial success in anyone’s mind set here! You will not believe it until you have lived here for some time! People live from day to day and month to month – it’s as if people are in limbo since the elections and the hope that 2014 would be better. There is a shortage of cash country wide, and over charging on basic commodities is the everyday thing because everything has to be imported. The local manufacturers are non existent, struggling or closing. No foreign investments because of the threat of indignation (51% local ownership mandatory in all business even private) and 90% unemployment. Listen I do want to also tell you that I’m NOT painting a picture of doom and
    gloom, I’ve been taking your lessons too seriously for the last few months, but this is reality we are all struggling financially. A positive mindset and a determination to better oneself goes a long way, and for that I thank you for your program and all the free lessons I’ve been studying. I will not give in to negativity, and am on a mission to convert family and friends also! Thank Andy!

  58. Jay says:

    Andy
    I’m a 60 year old entrepreneur from the US who spent 30 years in corporate America (consumer products marketing) creating significant value….but tied up in the “manager” mindset. I’ve now broken free and am having the thrill of growing a business.

    I believe there are are huge transitions going on in the American mindset today–it has truly become a dichotomy.

    On the one hand, we grew up with the concept of “American Exceptionalism” and are proud that America not only has become the economic engine of growth for technology and business throughout the world…but we also are the greatest givers/problem solvers for the needs of the rest of the world…with a fraction of the population relative to our foot print. Only in America could a young child of bi-racial parents rise so quickly to the stage of leader of the free world. Until recently…there was a clear expectation of advancement…. that every generation’s life would be substantially better than their parents.

    On the other hand, too many Americans have become Takers–sucking on the tits of the largess of our successful few. We have politicians who don’t have a clue nor the interest in solving our tremendous problems—they actually believe the drama they create is helpful–NOT. We have deniers of common truth who just like to hear themselves babble on as if what they are saying means anything…unfortunately too many people provide the audience. As a result most of America exists in waking sleep addicted to constant entertainment and biased perspective.

    Out of this confluence of strength and weakness, the very few entrepreneurs have and abundant opportunity to succeed like few other places in the world….although I believe that this advantage is rapidly diminishing. But the few who choose to follow their passions, create significant value by solving problems in unique ways do have advantages–the “can do” spirit of entreprenurism thrives. We have seen the young create billion dollar businesses overnight because they improved other people’s lives. In America, I believe access to capital is more available to entrepreneurs than in other areas. The quality of your thinking and willingness to pursue bold purposeful action is rewarded….and I pray that this beacon of light will continue to illuminate novel solutions for the world.

  59. MuraliMohanRao.Rojukurthi says:

    My Opinion is If you stress about money, you’re not alone: a significant amount of Indians are deeply in debt, living beyond their means, don’t have a clear plan to solve their financial problems, and stress about it quite a bit. The fear, stress and conflict associated with money issues can also impact your personal happiness. The following resources can help you to create a plan for yourself to get out of debt, if necessary, make your money go further, and plan for your future. Once you have a plan, you should feel significantly less stressed about money. When money is less of an issue, rather than being enslaved by it, you can use it to do the things that make you truly happy.
    Have good day
    Regards
    Murali
    SAP-IS-OIL&GAS Competency Head
    Mobile: +91 95383 24999
    MuraliMohanRao.Rojukurthi@techmahindra.com

    Connect with us:

  60. My opinion on How to Achieve Financial Success at Every Age
    5 Things to Do in Your 20s …
    1. Build an Emergency Fund
    2. Pay off Your Credit Card Debt
    3. Take the Job You Love
    4. Open an IRA
    5. Take the Trip of Your Dreams
    5 Things to Do in Your 30s …
    1. Become Confident in Investing
    2. Get Life Insurance
    3. Pay off Student Loans
    4. Max Out Retirement Contributions
    5. Give to Charity
    5. Things to Do in Your 40s …
    1. Open a 529
    2. Do a Comprehensive Health Checkup
    3. Mentor a Young Person
    4. Make a Will
    5. Take Care of Your Parents
    5 Things to Do in Your 50s …
    1. Chart Your Course.
    2. Assess Your Retirement Income
    3. Pay off Your Mortgage
    4. Invest in Your Home
    5. Prepare Your Asset Allocation for Retirement
    5 Things to Do in Your 60s and Beyond …
    1.Look after Your Loved Ones
    2.Create a New Budget for Post-Retirement Life
    3.Cross Something off Your Bucket List
    4.Review Your Social Security Benefits
    5. Invest in Causes You Feel Strongly About
    Have good day
    Regards
    Murali
    SAP-IS-OIL&GAS Competency Head
    Mobile: +91 95383 24999
    MuraliMohanRao.Rojukurthi@techmahindra.com

  61. Sonya says:

    I’m sorry Andy… I started early in the evening on an answer. It seems that the more I add to your answer (from the U.S.), the more I think of, to say… Perhaps tomorrow I can concatenate my thoughts and then post?

    Many thanks!

  62. Heron says:

    I am from Jamaica and the mindset here is pretty much one in which the minority of the population knows and experiences financial success. The majority, on the other hand is either looking for a lucky break via winning a lottery or some just decide that financial success is out of their reach.

    Many feel that financial success can come about only through one of a few means such as success in sports, success in music or success in illegal activities. Persons who are aware of and become financially successful through legitimate means are sometimes frowned upon and even accused of engaging in illegitimate activities.

  63. Maria says:

    Dear Andy,

    On the small island in the Caribbean Sea where I live success is measured pretty much just as in your country United States. The more money you have the better. Everybody wants luxury homes, fancy cars and bundles of cash in their hands. Poverty is hard and people want to live the good life without lack of anything. SO success means get out of the poverty life.
    Maria

  64. Tim N. says:

    Hi Andy;
    I’ve lived in Canada my whole life. First of all..where did you get that flag image? The Canadian flag doesn’t have any blue bars in it..just the two red ones and the red maple leaf. Consider yourself slapped, sir!

    Anyway..Canadians in general are not risk-takers. They’d rather be sure of something before they jump in. They believe in and respect hard-working people, just like in the U.K. However, while they envy people who are successful, they don’t look down on them so much, except the working poor, perhaps. A sort of ‘good for you..I wish I could do that’ attitude. So, if you want to realize your dream, or your heart’s desire..more power to ya. Although there will obviously be many people who will think you’re nuts. Many people equate success with climbing the ladder, working tons of overtime, burning themselves out for some high-paying job, and a few choice status symbols.

    The problem with so few entrepreneurs in Canada is that the power is concentrated in only a handful of large companies. Many of them American companies who have set up shop here. Most of them do fairly well, although most Canadians would prefer that they were home-grown. For the most part, we just don’t have the population to support manufacturing things on a large scale to compete with other global markets. We also don’t have that ‘go big or go home’ attitude. We’re more modest, but proud of who we are and what we stand for.

  65. Sudhakar says:

    Hi Andy, Greetings! I am from India and your assumption is correct that we are more spiritual than materialistic and people meditate specially in the early morning but now things are changing and we have got our share of richest people in the world who are featured in Fortune 500 magazine. In fact now many are turning towards doing their own business. Poverty exist but
    then so do entreprenurship. It is a vast country with so much diversity that it is completely mind
    boggling, nevertheless, prosperity is valued and respected and people would do anything to be
    a rich person. Regards Sudhakar

  66. Shreyas says:

    Hi Andy,
    Good Day.. Am a resident of India. 25 years old.
    The perception of India is very different in the world community.Indians are spiritual but most of it is totally based on fear rather than love. God fearing people,not God loving people. Compared to overall population,people who meditate is equal to the percentage of people who are successful in the world.. Maximum, 1 to 2 % of population follows it.
    As the people in middle class and rural area occupy the majority of population,financial success in India is a highly paid job.
    Successful business people are normally portrayed as super humans. Only few can do it,not all is the perception of majority of the people. And parents normally don’t allow their children to take inspiration from them.
    There are people who have a success mindset but the ratio of it is not more.
    Due to the huge population,people focusing on negative things has increased tremendously.
    Yes,people desire financial success in India but a very less percentage of people take risks.
    Most prefer a salary at the end of the month.That’s what the majority of population is after.
    Goal setting (for financial goals) is not openly encouraged. Its all about finding a job with a good salary. ( There are people who don’t do this. But percentage of it is very less).
    The waking sleep of mankind is widely spread. People are surviving instead of living.
    I am not blaming anyone but I have to give you a clear picture of what is happening Andy.
    The young generation is changing but again it is an act out of desperation than love for it.
    People are taught from childhood that they have to impress others in order to feel good.Its automatically happening.
    I trust that i have at least showed a picture that is going to help you and help all in turn.
    Happiness Galore…

    • deepthy says:

      Hello Andy,
      I reside in India. Shreyas here has described the exact situation in India. Goal setting is not taught in schools , neither is it encouraged in homes. Financial independence is still a distant dream for the majority.

  67. Mark Pacey says:

    What can I say but that I think to label each nation differently is a little off course. Certainly some nations have more entrepreneurs per capita than others. But I feel financial success is dependant solely on a persons viewpoint. For myself I would consider myself financially successful if I can do what I enjoy doing and get paid for it. With no reliance on others to survive. Kitty wise to have $500k plus in an account or accounts would be good for me. Also agree that governments leave a lot to be desired with retirement schemes such as here in Australia. It is something that constantly gets amended and a lot of baby boomers are in for a shock, perhaps including me if I do not stay focussed and continue to educate myself to be self employed as in trading the markets that I enjoy. Australian government to me stymies investment and education so that the people can move forward. Wealth education is rife here but so much BS amongst so many guru’s that it is hard to pick the genuine. Hope this helps a little.

  68. Edy says:

    I am not sure for real how financial success is view in USA, in my own opinion and experience the America dream is a well marketing design that Hollywood have sell very well in movies, since is the only place where dreams come truth. For the working class american reality is different, hard work to pay for all the things the market place will sell you with the promise they will made you happy, beautiful, financially free and successful, all that with a very high price. All this wonderful technology is use specifically to target every one of us, especially the vulnerable and strip them out of the hard earned live hood. It is a modernize slavery I guess. The methodology have evolved with technology, but the consciousness is the same.
    Yes people will never stop to tray to get the live they want, it is just the way our human spirit is.
    I don’t know what do you mean with the negative talk. in my opinion talking about what is not working for the majority of people is not negativity is a sign that something is broken somewhere, you cannot solve a problem if you don’t know you have one, or the problem doesn’t go away just because you ignore it.
    I am wondering who put the bug in our minds?. It seems just like the computer, you buy the computer, and the same people who build computers, will create the bug to put in the computer and now you have to buy a program to debug, protect, clean, maintain and clean the computer that they sold you? Are we creating problems just to come out with solutions to create a product, made money and have the success story that will convince people that the dream is real? it is this what the dream is about? or is just an illusion.
    Any way thanks for asking this questions stimulated my thinking.

  69. I believe most of what you have posted about America is correct, but I am very conscious of the fact that 98% or more of Americans are only focus on getting and working a nine to five job. The only time I run into people wanting something different like financial freedom or aspiring to become millionaires, is on the internet or joining some business in network marketing. Apart from that, everyone is just trading time for money. The term making money while you sleep, residual income or multiple streams of income is foreign to the mass.

  70. Jitendra says:

    Indian scenario is now changing very fast. Old generations were inclined to spiritual journey.Young indians are now exposed to global vision. Money is not everything in life, but it is prime necessity. If you are satisfied and happy, mind opens up for creativity.
    Indian youths think of financial success but happiness and sharing come first.
    I did not find any comment from India!

  71. Nandkishor says:

    India is a very large democratic country with about 1/6th population in the world with many cultures, languages and dialects, religion. And strong base of very talented skilled young generation.
    It has a great potential for entrepreneurship for Micro, Small, Medium & large scale operations for production and service sectors.
    Finance, Money, wealth is one of the biggest aspects of social status and people really work for that.
    Though there are constrains for most of the people to use their full potential because of
    1. Lots of rules & regulations
    2. Government policies,
    3. infrastructure facility,

    India is one of the largest in Software developments, Pharmaceuticals, Chemicals, Space Applications and many more.

  72. Titania says:

    I’m an Aussie and I can definitely say that to me to seems financial success in this country is defined by how much money you have, how successful you are in business, what type of contacts you have, where you live in the country, how modern you are, etc. I am seeing changes though, celebrating creative small businesses and budding musicians, artists, which is great. Hard work is looked upon as a good thing and ‘Aussie Battlers’ are respected, especially those who live out in the bush, farmers battling droughts and raising families.

    However I was a hard worker. I was determined. I took every opportunity that came my way, though my by peers, at school and teachers and later in the workplace by colleagues and bosses, I was seen as a loser and a joke, no matter how hard I worked or tried to fit in. I have always been somewhat of a loner, never a sheep to go with the herd and do what everybody else is doing just because everybody else is doing it. I am, very open minded and very much a free spirit who hated 9-5 jobs. Being a night owl and insomniac, I referred shift work, though it was the same dull monotony that I felt my soul being sucked out. I sent many resumes off to places and industries I wanted to work in, but never got a job in those and if I did it was a horrible job, like in a factory making the same thing day after day. Sometimes I’d canvas for 12 hours, or send out 100 resumes and go to 6 or more interviews a day. Hundreds of dollars spent on photocopying resumes, references and travel for nought. Very exhausting. Sometimes I’d go to hundreds of interviews, without so much as a phone or letter call even to say I was not successful.

    I tried many things, many different avenues, some things very different, as I’m an outside of the box thinker – such as even working with very wealthy entrepreneurs who in the end, laid me off as they did not see my value, so I have had it very hard here. To working in friend’s and family businesses, who in the end let me down. Much energy wasted there.

    Of the 21 years since I left school, at least 12 of those were spent struggling looking for work. Since 2008, I have been on the disability pension due to my schizophrenia and Aspergers. While it is a relief not to be in a dilapidating soul sucking job, money is always very tight and a struggle. I am suffering from burnout and cannot work now.

    So this is how I found the workforce and business in Australia. It seemed no matter where I went and how hard I worked and how determined I was, that was not appreciated and used.

    I am still determined, now at 41 ot make things work, though on my own terms and doing my own thing. I am an artist and a writer and dream to make a living through that.

  73. Linda S. says:

    Hi Andy -
    I currently reside in the Midwestern US, in Indiana. From the people I know, most here just want to make a decent living, have financial security and enjoy living. Most don’t have the time to do the latter (enjoy living) because they’re working 60-70 hours/week just to make ends meet. I don’t necessarily think most people really wanted the biggest toys, et al…perhaps my parents generation. But, I am 53 and at the end of the baby boomer generation. Though many of my peers have done well, many of us (50% or so the stats tell us) have been through a train-wreck of lives with divorces, remarriages, job losses, lack of stability, drugs and alcohol addictions, abuse, deceitful government, et al…and that takes a huge toll on your financial success. The emotions involved in all of these situations tend to produce negativity and unless you are one of those few who were brought up in stable households with wise parents, it is difficult to survive, let alone have a success mindset.

    My generation had to pay hugely inflated prices for homes, had to send our children to daycare because both adults had to work or because we ran single-parent households…just to be able to pay the bills for a lifestyle that didn’t meet our parents lifestyle or mostly reduced from what they had. Yeah, there are a few who seek power, money, fame…some people have done quite well…but I think most Americans just want to live decent lives filled with friends, family and a job they can make a living at, not one that is their entire lives, which is what is currently demanded in corporate America.

    For the past 11 years, I have been seeking to find the meaning of “success”. I like your program very much so far because it’s tied together many of the other books/programs/spiritual teachings that I have investigated. I think we were meant to have wonderful lives…it’s all about getting over ourselves (our ego) and being able to produce whatever it is we came here to create. Success can be money, but for many of us, financial security is sufficient to live the lives we want. Love, joy, peace…really the basics of life, are what most of us seek and if money gets us that, well then I desire to be a success. ;-)

  74. CrystaLin Joy says:

    Hi Andy!
    Since you asked, In the USA the 99% are basically trained in school to become “worker drones” otherwise known as “consumers” for the “1%. Financial success is seen as a threat to the status quo and thus discouraged – unless you’re a rebel and get caught in a scam to set up a business which will fail. In these economically challenging times, scams are rampant. Our elections are rigged (we don’t choose the candidates) and the 1% (most often the big corporations [energy, drugs, food, war] that support our politicians) run our nation. Our middle class is no more – safety nets (health and retirement) have been cut to the bone and are further threatened. Americans have not been “free” for quite some time now – most do not know it. The value of our money is still declining. The Federal Reserve is NOT US government owned – our gov pays 30-40% on the dollar in INTEREST for its money. We the People pay up to 30% on the dollar and more for loans, credit cards etc. Many of us are in debt due to health issues. Hospitalization and medical bills create bankruptcy for many while others barely survive trying to pay it off. WE the People need help!! Change for the better MUST be created. On the other side of the coin, there are those wonderfully successful entrepreneurs, that ARE making a difference. I think financial success for us depends a lot on family background – many are raised with punitive-unloving parents (who learned this parenting style from their parents) that are stressed to the max and just surviving themselves. They cripple us further by telling us that unless we live up to their expectations (impossible because they forgot to tell us what they want, and we are not allowed to speak our truth) they will not love us. Then many of us are “dis-owned” and put out in the “cruel world” to support ourselves as best we can. You wonder why we’re STUCK? :-) ) I overcame most of this insane programming through 5 college degrees and 20 years of intense therapy and 10 years of Healer Training and constant research. I’m ready to move upward now. Health issues do slow me down, but I AM moving UP. Thanks for asking – I expect to be part of the CHANGE.

  75. Entrepreneurship, is alive and well in America. People do believe in the American Dream. Right down to the very end. The American Dream, doesn’t happen for everyone. Some people chase it and chase it but never find nirvana. You seem to know where nirvana lives. with a bug free life.

  76. Jane says:

    In the US there is much distrust and disgust with the deceits and deceptions that created the financial successes of the Big Business execs and Big Government players that flaunt the “I have it all, and you can’t have any” attitude. I feel that is the reason why we see so many more of us becoming entrepreneurs and taking the reins in our own hands for our own financial success. And doing so in an unending richness of creative ideas and outlets. The financial success most people strive for is simply to have available funds to pay for all necessities, to have a nest egg in the bank for the “rainy day” surprises so that they are not a ‘worry’, and enough available to be able to do or have the extras that have been on their “Someday” list for way too long. I also see a trend of an awakened awareness, a keen desire, to preserve our natural resources as we pursue our financial goals. People are realizing we don’t have to sacrifice nature or our own emotional and spiritual well-being in order to be financially successful.

  77. Maria says:

    Success is knowing the real meaning of exchange…no matter where you live.

    First look at the word “exchange” and see the little e which starts its engine and gives the word energy. Then see the x? That is one very important letter because it shows two entities and where they meet in a moment of witness and give/take, give/no take or no give/take or take/take or give/give or something else. In the end, there has been “change!”

    Now go to “success” and see the s which is a spiral of energy, an open infinity-like symbol! What comes next? The u, which stands for YOU! Then you have to see, and see more (cc) which means looking at what is internally meaningful and then what is externally meaningful to YOU. When you have looked at the internal and external manifiestations/exhibits of success, then you can ride the two spirals on the end (ss) for fun and adventure.

    I am an American with spiritual genetics connected to ancestors from Europe several generations ago. For me, internal success means knowing just how much I really need. External success means being surrounded by people (be they family, friends, clients, neighbors, etc.) who also know just how much they really need. When I am surrounded by people who are in touch with their needs, it is fascinating. Some people tell me things like “I am downsizing–I don’t really know where all this ‘stuff’ came from!,” or “I am going to take this job not for the money but for the way it allows me to be creative,” or “I am three months away from potential disaster, but I have faith that I will find a way to come through it.”

    Success? It’s a process, not a permanent condition!

    Thank you for reading what I wrote.

  78. P A Sidoione says:

    Born & raised & do business in the USA.
    I think the USA has evolved Maybe dissolved into a state of wealth porn…The exception & exceptional as you mentioned Oprah & Donald (but the Donald comes from great wealth & had a helping and & lift up) are the standard & only benchmark for success which means that 99.9% of the people in USA could if they buy into such insane & limited definition for success be depressed & despondent most of the time. And maybe we are who was it that said “people live out their lives in quiet desperation”?
    Opportunity is not how it appears to outsiders…Richard Pryor said it best when he said, “You can eat in America…if you have a money or a gun you can eat!” So where does that leave people without funds here? Where do people with ethics, morals & integrity fit in? (not saying anyone who has money is not ethical, integral or moral) We have so much diversity it is called but we also have more disparity…in everything!!!
    Almost everyone who has “made it” has had help & lots of it albeit in the form of loans (not easy to get when you are not working, co-signed or already rich), partnerships, government grants on occasion if you are lucky or know someone, family assistance (which does not help the poor as some of the people you mention as successful got start up capital from family to the tune of $500K), luck, pushing the envelop (which could borderline crime or be illegal), etc., etc. BUT the USA now has an attitude of individualism & “I did it all by myself…so you “should” too!” This belief is pathological in it’s spreading…
    I don’t know what it is …destiny??? Design???…that some people are uber rich & others not…Some people persevere & other quit…I do not know what motivates people that one person falls down & get back up & another stays down? I am a person who does not know how to not get back up! But I do not think that my success makes me morally superior or better than someone who doesn’t: I just got up!
    Without boring you about my life & the numerous times I have been knocked down let me just say I have had major blows such as total losses in natural disasters, Eminent Domain exercised on my property by the USA government (actually twice) & the loss of loved ones from an early age. And still I get up…
    I do not think that is something that can be taught in school You either want something & go after it or you don’t…You may or may not get to keep it BUT you did whatever it was that you said you would do.
    Are measurement for success in the USA is imbalanced & much to focused on monetary. In fact too many of these programs seem to focus almost exclusively on how to make abundance (meaning money, wealth, homes, cares, etc. etc etc DO STUFF not BE SOMEONE) in your life! Prosperity, wealth BLAH BAH BLAH so I do not see too much headway if people are not allowing themselves to see that not everyone can be Oprah, or Donald or Johnny…someone has to watch the show, or buy the house, or do the cleanup…YA feel me???
    But the USA is not better in some ways than anywhere else & then can be…We are individualized to the point of blaming a blind person for not seeing…We are racist yet seek a tan, we are rich yet deny the poor a benefited living wage, we see health care as a hand out rather than an inhalable right to life as stated in our Constitution so many holler about upholding…yet do not seem to be able to interpret for all to be equal, or all to have liberty let alone pursue happiness…The USA has many double standards & hypocrisies that can be invisible even to me as I was acculturated here…
    There is not gold laying in the streets to be picked up by any passerby…NO one is walking up to people & saying here is money go do you! No the trickle down theory does not work. No one is encouraging someone to be great: secretly they think someone’s success is at their expense! Or at least not deserved by the person experiencing it…The USA claims to value exceptional G-D knows we worship it…but yet to be different has a huge price in acceptance until you would make it & if you do not to the high extreme standards you are simply weird…talked about in hushed tones when you leave or enter a room….
    That is not to say we do not have great opportunity for a few in the USA but a few here with the tolerance we have for pushing the envelop, foreigners, etc., etc., etc., translates to many from what I can see in other countries where they are older & the money is entrenched within families for millenniums…Personally I think it comes down to who gets up after falling or being knocked down no matter where you come from or how you were acculturated…You just keep doing you with modifications, calibrations & polish until it’s over…

  79. John says:

    Hi Andy – I am Australian but have been lucky enough to have been exposed to people and businesses around my own country as well as a wide range of other countries. In my opinion the “attitude” of people towards wealth is similiar in all contries and is largely dependant on the attitude of the wealthy person. If the individual is committed towards his community and the people he works with and does not flaunt his wealth and / or look down on others less fortunate he/she will be looked up to and be recognised as an asset to the community. However if the reverse applies and the individual is seen to trample over all and sundry to achieve their wealth they will be recognised for what they are and any sort of failure will be cheered for by the community. This is in my opinion applicable world wide. An interesting aspect to this is that a number of the second type of wealthy person whom I have come into contact with feel that they are the ones who are being exploited and that the problems all go back to the lack of work ethic by their employees, contrators etc.

  80. Janette Reynolds says:

    Hey Andy,
    Yes I agree with some of the others from the US, we are not taught from an early age to set goals or be an entrepreneur. I can not remember anyone saying or teaching me anything about that at all. I was grown before anyone said anything to me about setting goals and still entrepreneurship was a pipe dream at best. You are taught to work hard physically and hope you can get a good enough job not to have to live from pay check to pay check. It’s sad really. I certainly wish that was the way it was but, sadly it is not true.

  81. Anna says:

    Right, in the US there is an unspoken scenario of going to school, get good grades, some how get to college and get a good job. And this really isn’t working so well for a large majority of the people that actually complete it, let alone the ones that don’t.

  82. Dean says:

    Success in America seems to be the same for people here as anywhere else; a sense of FREEDOM from whatever you feel holds you back — poverty, persecution, prejudice, etc., or FREEDOM to do or be whatever you want (in other words, defined differently for everyone). I grew up extremely poor. Success for me has always been about “trying” to make more money. My wife grew up being “picked on” at home-beyond simple emotional abuse. Success for her is to be in a place (mentally and physically) where no one is “bothering” her-financial concerns are not all that important. Success is different for each individual.

    Growing up in the US, I was taught that I could have, do, or be whatever I wanted as long as I was willing to work for it. I’ve always had my own businesses and most have been relatively successful, ie. I had plenty of money or plenty of time-seldom both.

    Most of us Americans equate success with financial freedom (if I have enough money everything’s OK), but as I’ve grown a little older my definition has been changing, and after reading through CABFM, my definition of success is changing even more.

    ABFM is changing my and my wife’s lives, Andy. We thank you. See you in Las Vegas.

    • Dean says:

      My apologies. I didn’t catch that the question was about “financial success”, not success in general. My post doesn’t really address the question. I was unable to delete it. I hope it helps somebody.

  83. Dawn says:

    I do think success is in the eye of the beholder, here in the United States money does give you choices and a way to help others. Success means alot of different things to different people, but with money you more in control of your life and not in the hands of others making it.

  84. Dawn says:

    Andy, I totally agree with everyone on here about the United States. The poor just get even more poor and the rich get richer. I really don’t think there is anything like what you are doing on here. You actually give us insight as to how to fix the mind or at least mine. I can’t wait to get the bug free mind. I love all of the free things, people tend to forget if we had alot of money to spend on these products we wouldn’t need help. Common sense. In a class at the University they said the money of the rich comes from the abundance of the poor. They also push work hard and get an education and you will prosper. I have worked for 34 years, not at the same place and I seem to never advance. I have an Assoc and working on a bacherlors and it really isn’t getting me what I want to be. However, I want to be lazy and do what I have a passion for and that is to help people, but you can not do it without money. thanks for everything. You are right I do think the law of attraction has brought me to your program, just have have to wait on funds. Thanks again for giving me hope.

    • Laura Scott says:

      Good on you! I completely agree! And I am right there with you: I have a Bachelor’s and an Associates and I am still in on a plateau I cannot seem to get off of. I think we expect the Law of Attraction to deposit that bag of cash on our doorstep but in this instance, it came through a much more powerful medium.

  85. I can only answer for myself but I do believe everyone else in the United States views financial success as of the utmost importance. It is implied in our constitution in the words “We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are LIFE, LIBERTY and THE PURSUIT OF HAPPINESS. Financial success is included in “the pursuit of happiness.” And it is because the constitution guarantees these rights that it is possible for many people in the U.S. to create huge wealth and success.

  86. Dorothy says:

    I’m from Australia, Perth. A very new up and coming state – here if you have the ambition to start something and do your home work, research – you will flourish – Perth is so small & ready to embrace new things – we are way behind the east coast – but in a good way!! There is a massive following of spirituality, opening up to better one’s mind, heart, & soul, and have a bug free mind. Even though we are way behind the east – they come over here and buy our beautiful homes and businesses and love the lay back life. So I guess I’m saying Perth is ready always ready for new things.

  87. Nazeer Akoojee says:

    Success is rated as having a strong financial base. A typical scenario and culture in Australia is to say :”Oops, we got it wrong let’s try again” and that after spending millions of dollars.
    We love investing in the wildest schemes promising huge interest rate payouts only to find out that we were scammed by some foreign bloke, mostly blokes froms that country who is oil rich in Africa and starts with an N.
    On the other hand the investors like all investors around the world are looking for that “Golden Hen” but are often duped by local scam investments or the investors investing funds in rubbish ideas.
    We do love money because the more you have the less time you spend working for someone else.

  88. Rach says:

    Yes it’s the same here as in the UK. Probably more so actually.
    It’s thought that we have a lot of millionaires here and that’s true because of the tax situation on the Island. And therein lies the problem. They are seen as being selfish for hiding their money offshore. Difficult moral dilemma actually! Admire them for their drive and ambition or detest them for their perceived greed and failure to play by the rules the rest of us have to follow?!

  89. Hi! Andy
    In India financial success is not valued as much as spiritual success. Most of the cases financial success is considered to be morally in correct cause the belief is the person is being selfish or greedy. Another belief is that the person has done something morally incorrect to get the financial success.

  90. Sheelagh says:

    Canada is a very diverse country and you will find very distinct view points as you travel across our vast country. You will note a great divide between the East and the West and also between the large cities i.e. Toronto, Quebec, Montreal and Vancouver and Calgary and the rest of Canada. These differences developed over many years thanks to politics and the way federal taxes and programs are distributed and funded in our country – creating a huge divide. The East has always been favoured and receives many tax dollars to this day, whether they know this or not, thanks to the West which lends to an “entitled” attitude. You will also find many unions in the East. In the West there are many entrepreneurs. There is an work hard, play hard attitude in the West with the possible exception of Vancouver they are more similar to Toronto in work attitudes. You will find corporations feel they do not receive the same tax breaks as the East.

    Success means many things to Canadians – not just money; however, it is definitely one of the top, if not the top, defining factor of success. This is most notable in Toronto and Vancouver; however, this is changing rapidly as the Y Generation joins the work force as they out number all the other generations as the baby boomers retire – they have very different view points as they have never lived through a recession or down turn and they tend to have an entitlist attitude and are very material oriented.

    There is currently a growing financial gap between the lower class and the upper class workers with the middle class disappearing across the board lending to more individuals becoming worker drones with little chance of progression or finding success “wealth”.

    On a side note, it would be most appreciated if you posted a true and correct rendition of the Canadian flag.

  91. Duncan says:

    In Australia I believe that everyone would like to be successful in their endeavours but you must not forget where you came from , do not get stuck up yourself. Our culture is based on “mates” ,forget this and you are alienated in our society .The most successful people that I have met do not make you feel that you are below them.

  92. Ryan says:

    Andy, I’d like to keep this short, but I have a few points to make. I totally agree with Catt about everyone being totally different in the US. Forgive anything here that sounds negative, as I am trying to be accurate.

    Entrepreneurship is not discussed in American public school. In some colleges, you can study business, but most kids are told to college in order to “get a good job.” I have a Bachelor’s in English, which has nothing to do with getting a job. I personally believe that anything besides starting my own business is a dead end.

    Americans frown on certain specific groups of rich people: The oil industry, because they spend money to influence politics, and the natural gas industry, the “frackers,” who invade communities and use extremely harmful technologies to extract resources. Also the pharmaceutical industries who advertise all sorts of weird-sounding drugs on tv: “Possible side effects may include depression, low blood pressure and death.” Then there’s the private defense industry, weapon makers like Halliburton who encourage war so they can have more lucrative government contracts. There is a strong “we-they” dynamic: I have lived with a historically poor family who envy the money of the rich and hate rich people, which doesn’t help matters. Many Americans see rich people as criminals, as evil and untrustworthy people.

    We are used to living paycheck to paycheck. Being able to pay all our bills on time, and keep our cars maintained, is what my parents always talk about. It has happened.

    Financial success is looked upon with suspicion. I know a fellow who will spend ~$40k on a painting, and his secretary once said, “It’s criminal how he spends money.” Yet he’s sponsoring a business and tries to get out of giving them a $500-$1000 a month advertising budget.

    Also, many Americans work at Wal-Mart or fast food restaurants, and many of those workers need government assistance to survive because their companies refuse to pay a reasonable wage. Many are striking as a result.

    There has been some success in my family. My father, after getting out of 2 years of college, became an award-winning and financially successful commercial photographer by opening his own studio. However, in the early 90′s his business dropped off, and following a run-in with the IRS (Internal Revenue Service, who makes sure everyone pays taxes to the federal government) he assumed kind of a defeatist attitude, gave up his business, and now he works an entry-level job at a library. Of course, he did not do anything wrong, but he was traumatized by the IRS experience, so now he is afraid of everything to do with money and it’s practically all he talks about.

    We live in the state of Pennsylvania, and everyone in my region sees poverty as the rule. My intention is to start a business of some kind, but I refuse to talk about money with my parents as they think my ideas are ridiculous or impossible, or that I’m incapable of accomplishing anything on my own. People also think that there’s simply not enough money in the entire state to have successful businesses, and that to have any money at all you’d have to go to New York.

  93. Sera says:

    I am from NZ, and reading through your observations on the many countries, would say we are very close in mindset towards the UK attitude to success. While around 80% of businesses (apparently) in NZ are small businesses, there is little Government support or encouragement to be self employed- I have been for more than a decade, and while opinions may be varied on this, that is my observation. There are pockets of Auckland, and around the rest of the country that like to show off their success with flashy cars and huge houses, but for the most part Tall Poppy Syndrome is alive and kicking. I think we are humble folk, who in general dont like to brag about ourselves and what we have, and tend to scorn those who do. I think possibly harking back to our pioneering days as a relatively young nation, when everyone who settled here had to make do with the rough lifestyle and Number 8 wire mentality. We are a nation of humble hard workers with a strong pride in our ingenuity, and can do “she’ll be right” mentality, and I am proud to be a New Zealander, and think we are well respected around the world for this. However I personally feel as a creative self employed person, there could be more respect and support for those of us who think outside the box and dont want to leave the drudgery of the school system to become a sheeple drone, working in a soulless job for meager wages. It is easy to see how Tall Poppy mentality comes about when someone makes it big for whatever reason, a sure sign that the masses are not satisfied with living a meager life and not living their dreams! I dont believe we are fully open to the belief that we all deserve to live the life we want, and are perhaps a bit ashamed to say we are successful (unless you are talking sports!), but this is gradually shifting as the generations pass and the population grows.

    Andy I would love to attend a seminar should you hold one in our beautiful country. I think it would be of great value to so many people who are just waking up to this mindset, and I know I have friends who would like to be there too. Please fell free to get in touch if you would like a Tiki Tour around some beautiful Auckland spots, or a taste of local creative culture!

  94. Tim says:

    Australians have a very different mindset to Americans with regards to business (and most important things in life). Others have stated ‘underdog’, ‘tall poppy’, and the good ol’ work hard for the man for the rest of your life syndrome – and these are all very true. I also believe, as others have stated that Australians are not encouraged to succeed and indeed if someone does work against the flow those around him/her will do their level best to cut them down (tall poppy). It’s lack mentality at its best. Also the ‘battler’ and ‘underdog’ mentality leads to a high level of scepticism. There is very little spontaneity, Australian’s always have to ‘think about it and get back to you’. Its negative programing and lack mentality at a National level. I’m not into conspiracies but I believe it’s just the way the Government wants it, there is a big gap between the haves and the have nots. Entrepreneurs, we have our share. I remember Dick Smith when I was growing up, he was regarded as something of a demi-god. He was something different but nobody I knew thought they could rise to the same heights.

  95. VG says:

    INDIA:
    Too divrse a country to generalize. But one thong is sure very few Indians actually meditate. Spirituality for most Indians is going to temples or pilgrimage. However, there are many great teachers to be found to learn meditation and other spiritual practices. Entrepreneurship is encouraged by many sections of society while some shun it like a plague. Popular media may show the richest Indians in bad light but many people still admire them.
    Goal setting is not taught in schools but a lot about goal setting is mentioned in the Hindu text of Bhagvad Geeta and many Indians have read that.

  96. Glenn says:

    I do not presume to speak ‘for’ the majority here in the United States. I can only convey what I see and experience from my limited perspective as an individual in his 50s.

    In general, there appear to be more entrepreneurial opportunities than ever before in my lifetime. Unfortunately, where such concepts have not been introduced at an early age, the mental inertia of adopted default paradigms leads to resisting exercise of imagination in ways that are perceived to conflict with such paradigms.

    Beyond the implications inherent to the globalization of the economy, I believe that the widening gap between rich and poor in the U.S. also reflects that most Americans still embrace a desire for security–equating their ‘financial security’ with income earned through employment. While this idea may have held widespread viability for previous generations, today’s financial climate has rendered it a falacy for all but very few.

    Breaking free to achieve personal financial independence requires accurate knowledge, thinking and action. I believe that a majority of Americans are following old financial rules to a game that no longer exists. The game has changed before their eyes without their knowledge. Inasmuch, lacking a perceived reason to do so, they do not seek to understand the ‘new game’ and associated ‘new rules’ that are required for anyone to ‘play to win.’ Among the ‘best’ of remaining options then is to ‘play not-to-lose’ – a disposition that is consistent with the embrace of a desire for ‘security’ as described.

    Those who would aspire to achieve wealth [of any kind] would benefit by first developing an accurate perspective – including accuracy of both knowledge and mindset.

  97. Stuart says:

    I’m a kiwi. NZ is a country of small to medium businesses with quite a high proportion of the population self employed. Success is encouraged, to a point. Kiwis do not like people to flash their money around or to brag about their success. We are quite modest and reserved. Andy, I’d love to meet you in NZ when you come and will attend your workshop. Bring it on!!!

  98. Ian & Wendy Kajewski says:

    Hi Andy, There is a lot of negative in this country, the last government sucked us dry of funds and put the country in huge debt after we had a pretty good futures fund for the country. It now seems like it will take many generations to turn this around. As a whole the media try to make out the country is doing fine but we are not, a lot of people from the average man to large business are really struggling. Basically in business you are on your own unless you conform with the rest of the sheep, which most times is not want you want or need. There are plenty of people waiting to cut you down if they think your doing something different and doing well. I don’t think people realise until later in life that you need the be constantly expanding your knowledge and growing as a person. To many just stagnate and don’t realise they could be and do so much more. Nobody today really stand out as role models. I think many of them have now passed

  99. Rainy says:

    There is much herd mentality to be had here in Canada. And then there are the mavericks who do not wished to be pigeon-holed and will rebel against the herd. It is those mavericks that are the ones the go one to become entrepreneurs and leaders within this country. I think that there are some within the herd that secretly admire the mavericks and wish that they had more gumption and courage to be more like them. Personally, I am a quiet rebel. If I don’t like the rules, I will find a way to make it look like I am following the rules, but I am quietly doing thing my own way. I don’t take crap from no one! One day soon I will be one of those entrepreneurial mavericks. I do not speak for anyone else, only myself. To me success looks like this: enough money to be able to buy whatever I want without having to look at the price tag ever (that means no budgets!!); owning my own home(s) and various properties around the world; earning passive income(s); and to have the freedom to do whatever my little heart desires at any given moment; and to be generous if so inspired to do so.

  100. chaya says:

    In Israel money is not at the top of the list what is important is education and self esteem which when taught correctly and practiced will bring you to making alot of money our mindset is to get ahead and be someone self made and improve our situation by setting up goals and sticking to them

  101. Kate says:

    It’s been said you can’t keep a good kiwi down and thats true. I believe the pioneering spirit is still there though despite 3 to 4 generations of state indoctrination. Its interesting that from early childhood our children are taught to have fun, that education is rewarding leading up to secondary school where suddenly its all about being job orientated, meeting corporation needs and pay your taxes. But it is sad that overall our children are not really taught how to think. Lucky you if you get one of those rare teachers who do. My grandchildren go to a local country school with a big reputation for encouraging children to excel. e.g. The last school event I went to was mainly musical but interspersed with videos created by 12/13 yr olds who had gone out, researched their topic on local news, put it together, edited it and presented it. They were brilliant.

    New Zealand is a small country of under 5,000.000 people yet we have led the world and still do in many areas of life. Rugby – best in the world in yachting (America’s cup) even though we didn’t win it. (money won it instead) – medical research – leading lights in fashion and music – Business successes – and the list goes on. So yes I would say we have the entrepreneur spirit despite being a Nanny state and an education system, which once was tops by world standards, and now designed to reduce the population down to the common denominator. Yes the tall poppy syndrome is alive and kicking and our high achievers head overseas for better opportunities but there are more in the sidelines waiting. The pioneer spirit is still strong. As of now this group is largely a minority.

    Unfortunately the majority of kiwis are debt slaves and that is our undoing. So in not taking responsibility for ourselves we are driving ourselves into the ground. I for one would love to have you come to New Zealand. The BFM system is one of a kind and its simplicity would appeal and be appreciated by many.

    • Deborah says:

      Hi Kate,

      I think your reply sums up NZ culture well.

      We definitely can “punch well above our weight” and have an entrepreneurial spirit.

      We have some very creative and inspiring thinkers, a can-do attitude and a lot of inventors in the sheds ! We have people like Sir David Lange who spoke brilliantly at the Oxford debate with his “I can smell the Uranium on your breath !” line which led to the American Nuclear war ships being banned from NZ waters, is a great example of our strength of spirit. Sir Peter Jackson, Dean Barker, Lucy Lawless and her support to Green Peace, Beatrice Faumuina , Lydia Koh, the list is long for such a small population.

      Our Government talks about encouraging businesses and people but in reality we are overtaxed and controlled with more and more red tape. They want to pursue outdated and environmental polluting energy sources by drilling in deep sea off our shores instead of R&D on clean green renewable sources. Our assets are being sold off despite the majority of us not wanting them sold and our current government wants to hand legal control over to the Americans with the TPP (Trans Pacific Partnership) which basically takes away our democratic rights not to mention GSCB which allows the world agencies and governments to spy on us all :(

      As Kate says , the education system has gone down hill and the other day on TV there was a 21 year old Nursing graduate in $20K worth of debt and no job because there was a surplus of students taken in and only half the amount of positions on offer .

      If ever there was a time ripe for a Bug Free Thinking Country it is NOW !

      • Helene Young says:

        I agree with several comments on NZ however we are tailing the recession so some positive entrepernerial shops are going to the wall here & there. Some young people come out of school ready to fly but many are not encouraged and come out feeling depressed. Our suicide rates in the 16 to 24 range & the 65 plus tells you something. The gap between the rich and poor has widened, we have a lot of beaurocratic thinking & a welfare system that tends to punish or stiffle people ability to think outside the square. On the other hand we have brilliant artists,interesting communities in patches and some really creative thinkers. I do believe a lot of bugs which need to go! Hope your seminers go well cheers Helene

  102. carlo says:

    Hi Andy, I don’t think that enough has been done in Australia to guarantee genuine tax-payers a fair and reasonable retirement plan. There is way too much disparity between the have and have nots – the so called upper echelon of ‘society’ in Australia truly does not give a hand up to the struggling middle or poorer class of society. Homeless & families below the poverity line is increasing in Australia – following in the foot steps of the good ole USA.

    • Astara says:

      This is true with respect to retirement plans. The percentage of people in the senior age group is on it’s way to outweighing all other age groups in Australia. There is disparity in salaries between men and women (nothing against men here, the fact is that women are generally disadvantaged). There is also a disparity where women are unlikely to have enough superannuation as they are heavily penalised for any break in their working life. With the growing ageing population, there is an increasing number of carers (mostly women) who have had to leave the work force and have less financial security than previously. There has always been a big disparity between the haves and have nots, and there are indeed increasing amounts of people who are homeless and living below the poverty line – individuals as well as families.

      I also agree with Leonie’s comments about the ‘tall poppy syndrome’ and particularly ‘having to work hard’. From a personal perspective, I come from an immigrant family (both sides) and looking at them, there always seemed to be the struggle to be accepted and properly rewarded in the work place, no matter how they worked – in my father’s case, his superiors blocked his efforts to advance and claimed his work as their own. His early death resulted in my mother and our family just getting by financially.

      There are very few women who have broken through the ‘glass ceiling’ (CEO in a major bank, ex-PM), though others have become successful in the fashion or entertainment industries, or sport.

      I would say that generally though, success is not encouraged – certainly not being encouraged to do what one loves, or to even find out what that is. A school system and general societal mindset that allowed for, celebrated and rewarded this would go a long way to encouraging success. My own experience finishing school in the late 1970s was that you did whatever course got you a good job – I was expected by my family to do a uni degree and picked an area where there was the greatest likelihood of getting a job, as it was a time when so many graduates could not find work. I never felt really ‘successful’ though because the faculty I chose was area I knew nothing about, nor did I ever feel truly comfortable in the jobs I did – more a ‘fish out of water’ than anything else. I have been out of the work force for some time now, due to a combination of factors (semi-caring for my mother, plus ill health due to conditions triggered by childhood illnesses and injury) . Success for me financially now in the first instance would be to have more than needed to ‘just get by’. I desire to have even more than that though, in order to give my mother a more comfortable life and so many things she has missed out on due to the sacrifices she made for our family after my father died.

      As for being entrepreneurial – yes, there are some people who have taken this path, though it seems this is generally not encouraged, nor do I personally know anyone who is an entrepreneur.

    • Mary Alford says:

      Hi,
      Agree with you Carol. Also feel that the “Tall poppy syndrome” plays a part in discouraging people to be financially successful. Along with this is the “She’ll be right mate” ethos. It is interesting that personal responsibility is being eroded by increasing legislation governing how we live. This too I feel is a stopper to success.
      Thanks Andy for the thought provoking comments

  103. Noranne says:

    Well now Andy have you set the cat amongst the pigeons? I live in the country side in Ireland .Since the old financial collapse and the blood being squeezed out of those that earn by the government. A lot of people have discovered their inner entrepreneur and many have come back to community and have started what we call cottage industries. Which is pretty amazing. But if you ask them about financial success they will tell you that you have to go to America or Australia for that as there fore fathers did! They hear this from family and those around them. We don’t believe in ourselves as a people yet we have some of the most amazing writers and poets, aahh dreamers not a nation of doers re financial success.We put education high on the list of must haves only for them all to immigrate out of the country.?
    Affectionately called the brain drain as a high portion of those that leave do very well and many are self employed. Begrudgery is very ingrained in us as a people, a hard mentality to face down. :)

  104. Eric says:

    You’re making way to much of success . It is what you decide it is.

  105. lily says:

    As a french living in the USA I can say that your description seems very accurate to me and you have all the reasons for me wanting to live in the USA.
    Most of the people I know are self employed and run their own business, not always successful but it is less frown upon here to fail than it is in France. As well as more acceptable to make money and be proud of it. Setting up a business here in Texas is incredibly easy and paperwork minimal as long as you pay your taxes.
    The new trend here is social entrepreneurship ,making money while being a “green” biz and giving back to the community. The very successful knows how to apply it like Toms shoes in California which operates a for profit and a non profit at the same time. For one pair you buy they give one pair to a child in need.
    http://www.entrepreneur.com/blog/219359

  106. Margaret says:

    I too am a bit upset with the Canadian flag that was posted. I am very proud to be a Canadian and most of us take great care to wear our flag so we are not confused with Americans when we travel abroad. Canadians are accepted everywhere but not so the Americans.Canada is so diverse that it is hard to say how we feel about wealth. In the east Newfoundland has a hard go to make a good living so most have gone to Alberta or BC and done well there. Ontario thinks everything great is there. Quebec just look out for themselves, and the prairies it is either boom or bust depending on the weather alto’ the oil in our area is always looking for workers and they make good wages.BC is full of wineries doing well too as more people are drinking wine than ever before. As a whole Canadians are often entrepeneures and often do very well, they are looked upon as people” biteing off more than they can chew” especially by the older people who went through the “dirty thirties” but are happy for them too. Most farmers feel the have retirement funds when they sell their land but we pay lots of taxes and the Govt is saying they may have to cut back pension plans. And even tho’ my husband left me lots to live on, if I take more than 46000 out of my investments they claw back my old age and Canada pension which we paid in to the govt. But we are the most courteous and welcoming country you will ever find.

  107. Wayne says:

    Hi Andy, yes, you are very welcome to come and see us in “lil’ ol New Zealand” :)
    FYI , even though so far away from “Blightey” … still you may recognise similarities due to our being part of the “British Commonwealth” … note: you may be referred to as a “Pom” … or “Pommey” … please don’t take offense – this is only a kind of jesting.. like poking a bit of fun at your brother , (so to speak).
    Above notes about “Tall Poppy Syndrome” is very true .. also a pervading mindset of “riches are evil” seems to be in the subconscious. over here. (possibly from religous sources) . Also you may find that “Pride in our country” is not so (in your face) as perhaps American or Canadian … Kiwis are a little more reserved.
    Finally … Manners go a long way here . keep smiling and have fun.
    p.s. if you need a place to stay – we have a spare room :)
    Cheers.

  108. Dave says:

    UK. Regarded suspiciously as it’s mainly sleazeballs such as politicians, bankers, lawyers & criminals who have cash. You’re right about the British mindset, the majority think working in the pits for life is a ‘goal’. The school system is geared towards keeping people ‘in their place’ and ensuring a steady supply of cannon fodder.

  109. Bruce says:

    Regarding New Zealand, I agree with Tracy as above. New Zealand is a wonderful place to live, work and do business however we do suffer from the “tall poppy’ syndrome”. Kiwis tend to be quit achievers and don’t like “blowing their own trumpets” so to speak.

  110. Gia says:

    I’m in the U.S., and I don’t connect “financial success” with entrepreneurship or goal setting. I TOTALLY agree with Miles (in fact, he said EXACTLY what I was going to type before I saw his post!) – go to school, get a good job, and also that the definition of financial success is not having to worry about money and having the ability to do whatever you want to whenever you want to. MY idea of financial success is not having to work AT ALL – to have total freedom with all of my time and not have to respond to anybody. Entrepreneurship is the furthest thing from my mind! Personally, I do like goal setting and list making for my own sense of accomplishment, but not connected to financial success.

  111. mike says:

    I think if fair to say that New Zealands attitude would compare most favourably with the comments that you wrote about the UK. (in spite of that there are many very successful New Zealanders around the globe).

  112. Fred E. Walker says:

    I have to agree with Miles, we are to a certain degree encouraged into financial slavery by our parents and relatives, our educational system, and sometimes our politics. There is however a movement but a select few to break away form this down trodden work until you drop scheme like those aforementioned by yourself. It is definitely time for a new way of thinking and affirming our mind to bring about a silent revolution with “A Bug Free Mind”. I am thankful that I was led to your site and willing to reprogram my mind with more positive thought processes. Though my funds are limited at this time I really look forward to you newsletter and e-mail to assist me with this endevor.

  113. Lesley Smith says:

    Hi Andy, l see you have defected to US. Good for you. I would like to defect to Portugal. I know you from the Property Web site you once ran. I have a small portfolio and as well as that, l make my own jewellery. I learnt that people who were born in the fifties are more entrepreneural than people born later. I happen to be in that group. However, it’s not because l was necessarily encouraged, far from it. I was considered by school as not someone who would do well. I beg to differ and l m always trying to improve myself. Im not always successful so maybe l still need rewired. I don’t think this world do enough to encourage people to do well or share their wealth etc. However it does mean alot more to oneself when you have achieved it by yourself. I learnt that its ok to get help but its more satisfying to do it with your own tenacity. Hope this helps. I m not one of these people that gets help easily, l m used to getting my own results, however long it takes. Maybe l will get to retire in Portugal. Lesley

  114. Rachel Brockman says:

    Interesting, I was really looking at this question just recently myself, mostly because I have felt that others considered the failing end of the cycle. So what I see reflected back at me as to the “American view of Wealth” most people that I come across don’t want the level of financial resources of an Oprah or a Trump…..They really don’t want it!!!! They want just the next level up from what they perceived their neighbor had or a certain family member had. I have never made what I consider significant money ..it was never enough for me to do all the things I wanted when I wanted (That’s significant to me). So I have no reservation in naming the amounts and I am always surprised at the response across the board it has always been I’ve never made that and there they sit with a home and husband and children of which I have none. At the height of my earning I came close to 50,000 USD and my lowest was in the military at 19,000. To me it’s never been enough.
    I would say that the unacknowledged wealth of America is in their peoples total expectation that the water will be clean and plentiful, that they can use a public restroom and not have to pay, that the food whatever the quality is available for purchase or share, that no matter how lonely, lost or forsaken you feel the reality is that a neighbor or a stranger would offer you food , shelter or assistance.
    I would say that American’s true success stems from the relationships they cultivate, and the support they offer good character or not. America’s greatest treasure is her people. I am not romanticizing it but speaking from experience, with the support of those around one they then “become” and that’s where the entrepreneurial spirit comes from, are there people who are willing to “back your play”, and if not how do you find some that will. It is the tread behind sports, the “Arts”, “business,” “banking” and ultimately our politics. The question becomes, “whose on your team”?

  115. Nancy Max says:

    In the US enteprenuers are encouraged and opportunity is all around, but it is not just sitting there. You have to work at it and be creative. Probably half or more fail, and about 98% of the half that suceeds, just make a living, and 2% really suceed. About 1% of the population own 99% of the wealth in the US. That 1% is made up of native Americans and people from all over the world. Success doesn’t have a nationality, it has a personality!
    The country does encourage success and there is no shame factor, but many who are not successful may have negative feelings about those who are, either from ignorance or jealousy. I believe people are people and there are good and bad and nice and not nice people in every economic level. Most times successful people are very focused on their goals and what they need to do to accomplish them.

  116. Yvette says:

    In have South Africa most people are optimistic. Since the ANC have come into power, there are many people who were previously disenfranchised, who are now able to create viable businesses. With the crash in the world markets, it has affected some businesses negatively, also the “have-nots” expect the state to make a way for them to become wealthy. So we have extremely wealthy people in this country, who have made their wealth in amazing ways, real estate, wine farms, fruit farms, architects, lawyers, fashion designers, personal shoppers, TLC industry – massage and alternative therapies. Multilevel marketing, Balltron, Amway, Golden Products. South Africa is a exciting place to live in as there are lots of creative minds and opportunities – for any one who considers themselves to be an entrepreneur.

  117. Deborah says:

    Hi Andy,
    I think you are correct in believing entrepreneurship and goal setting are encouraged now. It certainly wasn’t when I was growing up in the 50′s and 60′s, and it was definitely not encouraged for women. I do believe, though, that there is a great disparity between the haves and the have nots, and I believe the gap is getting wider.

    I agree with Debra Greenfield’s comments about the racial disparity, big payouts and golden parachutes for CEO’s while worker bee employees have to have more than one job to make life work. People can be laid off at the same time the corporate higher ups are taking huge bonuses. The people in power are the people with the money, so the idea of changing any of this feels pretty hopeless because the people in power will never let those changes happen.

    • Deb Baverstock says:

      My name is also Deborah, by the way, but I go by a shortened version, Deb. Anyway, I am assuming, by Deborah’s statement, that she is from the US. I will agree that in the US, financial success is equated with success in life (though this may not be actually true, depending how financial success is actually defined). I disagree that entrepreneurship and goal setting is encouraged by society as whole. In the last five years the ideas about goal setting and building business have been gaining traction but it is pretty new here actually. Entrepreneurship is celebrated, and those that “make it big” – multi-million and billion-airs – are extolled as big hero’s. However small business people are NOT celebrated. Creativity and creative problem have not really been encouraged for many decades (though this too has been gaining traction in the last couple of years), unless doing so will make a high profile company money. Those who use creative thinking and goal setting sucessfully are celebrated, but that skill is not given the credit for their sucess, unless they themselves publisize it. Our society as a whole says that you will only “make it”, if you are one of the chosen few and if you have not got what it takes, you should just give up!
      In the US, financial success is defined as having enough money to not only be able to afford that $300,000 home, but also go on vacation 3 times a year, drive the latest model of this years fad luxury car and not worry about where the money is coming from. Only about a third of the population meet this criteria. So, this is just an ideal held up to people who are told that if they work hard and “get lucky” they MAY get there someday.
      In my personal philosophy, I do not agree that financial success is as described or that being a financial success makes you a success in life. My families financial situation is not the best right now, but we are still looking and can (even if it is just barely) afford to buy a house. No matter what, our financial situation will only get better in the next few years, because, even if I am not able to make money following my passion right away, there are other things I will be able to do to add to my family’s income. In my personal life, I really have it great. I am very happily married and have two great, creative children who I never thought I would get to have. As long as I do not screw them up, it will continue to be great.

  118. Sarla says:

    In New Zealand us Kiwi’s are a hardy lot, very entrepreneurial, easy going but hard working.
    When success comes very happy to share with all, no idol worshipping in NZ.
    Mosr successful people are approachable and humble.
    You can run into anyone and there is no pretentious people especially the successful, they are part of the nation, they help out.
    Sarla

  119. Betty says:

    I don’t believe everyone wants or needs to be to the extreme of Donald or Oprah. I just want to live comfortably, do things I have always wanted to do, take care of my family and enjoy life. I don’t think the average American feels the need to compete with the Donald’s an Oprah’s.

  120. Linda says:

    In my school years there was absolutely NO training for entrepreneurs. We were trained to get a good education so we could get a good job and move up the company ladder, then retire. I’m not certain what they’re doing in public education now since I don’t have children in school, however, what I see here is more emphasis on a technical education and/or a university degree program. There is more talk about being an entrepreneur and here in the NW part of the US we have more encouragement, along with funding, to become entrepreneurial. I do notice there is still an emphasis in schools to get a good education and work for companies as a way up the career ladder.
    Funding is more available for people who are interested in more “mainstream” entrepreneurship. Brick and mortar stores are still seen as the norm along with the addition of a website as a way to reach more people.
    There is a whole lot of “scarcity thinking” and fears around money, how much money one can make, how much money there is in the world. Money is seen as a finite quantity and those of us who mention that might not be exactly true are reminded to look around us at all the poverty of our own towns, regions and our country.

  121. Athol Duke says:

    Hi Andy

    I reside in South Africa, the majority of people are employed in a secure environment, working in jobs they loathe for security. Most South Africans mindsets are indoctrinated at an early age to get an education; either to move up the ladder of succes to attend university or get a diploma (to fall back on); to get a job, any job, job – hop if you must; settle down; get married; have kids and struggle financially.The employed sector are afraid that they will fail, they enjoy the security of having a salary at the end of the month. Some leave their jobs; fail dismally, land up in serious debt and return with their tail between their legs to state the obvious, they they require a job and the set salary. There are many people who are unemployed and turn to crime.

    There are clusters of people who are self employed, such as myself, who have dived off the cliff, left the corporate world to start their own businesses. We have joined referral organisations such as BNI (Business Network International); which is an American organisation to promote our businesses. We attend events such as the National Achievers Congress and sign up with various motivational speakers and coaches from across the globe to grow our businesses. We connect with like-minded individuals to grow and promote each others businesses based the the givers – gain philosophy of BNI; which is working big time.

    Please consider extending your tour in the near future to include South Africa, the people are hungry for CABFM and UABFM, thank you Andy.

  122. Thalia says:

    Hi
    My country is México. Here we have many contrasts. Extreme rich people and extreme poverty. Mexico has abundant resources to make wounderful bussiness. Mr Carlos Slim is mexican and the richest man in the world and he began growing all his business here in México. I think we need an early financial education and change our beliefs of belonging to a 3rd world country, depending from our neighbor USA economy support. However there´s big sector of the population who have received a good University level education who are seeking for a changing of mindset, they must learn how to succeed financially. These poeple are very intelligent and entrepreneurial. We need a big change.

  123. Stacey Zuckerman says:

    Andy, how refreshing a searching thought, I appreciate it. In the old USA, as well as (all countries) there is encouragement to do well, if you are in the right class/colour etc. I can speak on this because I am 65 years of age and I have not had a bad life but, it could be better much better. When I was in school in the US, I was told just learn how to keep a house and cook. Well, I said “F” that so I moved to another part of the country and it started well for a while then the career I decided to go into came to a halt. So, I moved to UK and my career went well again.
    What I am trying to bring your attention to is, after living in the UK for 40 years, I had no idea that I could get help with my projects/career. You, see when you are a person of colour 99.5% of the time the only thing society/government ect. only tells you, your only option is Welfare if you want help. That is what is offered to people of colour, and then you are stigmatised for it.
    I will not pull my punches, the same thing happen in the UK. My son wanted to be a photographer and yet he was always in the wrong grade for the class, i.e him in grade 9, the class was for grade 10, and so on. I know white people always, say people of colour, just bang on about its their colour or all white people are prejudice. Thats not true my family is both black and white, my son’s father is white. But, what the majority of white people don’t understand is, they are given more advantages by their gatekeepers. Like the ones I just mentioned. And it is still alive and doing well, unfortunately. But, I am not a quitter, I am now starting a new career. So, you got two countries for the price of one. Thank you for your question.

  124. MK Shaefer says:

    I live in Los Angeles, CA USA and am nearing retirement age. Most of the people I know and that are about my age are not entrepreneurs. That is still considered a little risky. My nieces and nephews who have just graduated or are graduating from college have followed the more traditional path and have gotten or are looking for jobs. I would say to be considered a financial success you have enough money to have a secure retirement where you can pretty much spend your time as you like and are not lacking or restricted in any way by the resources you have . If you are still working, my opinion is that you are a success if you have a career that you love and yet have the freedom to enjoy all of the things that the good life has to offer (time with family and friends, good food, a nice house, travel, hobbies, etc.).

  125. Andrew McFee says:

    You have UK fairly spot on. Mostly we have the ‘tall poppy syndrome’ and most of the time anybody who is successful is set upon by people who think it is ‘showing off’ or something similar. I have been trying to impress on my granddaughter the importance of setting goals as I never did so myself, much to my regret as all the successful people I know did just that. I am trying to get properly stuck into ABFM in the books but have rather more conditioning in my head due to being very old. I will get there though.

  126. Sheila says:

    A pretty good way of finding out the real facts.

  127. Jan says:

    In serbia financial success is when you have full tank of fuel,When you can pay your all bills and feed and educate your children.And when you can go sleep with soul at peace.

  128. Leonie Pittman says:

    Hi Andy,
    In Australia we do have some very successful entrepreneurs such as Clive Palmer, James Packer and others. In a sense I see Australia as a land of opportunity. It is a young country in many ways. But there is also a culture of “the underdog”. People like to support the underdog. Having started as a nation of convicts and immigrants there is a “you must work hard to have success” attitude, and we also have something called “the tall poppy syndrome”. If you become too successful and stand out ( like a tall poppy ) people can feel threatened by this and will try to cut you down.
    I love Australia but see how this can hinder people who really want to achieve success.
    Hope this is useful.
    Love, Leonie.

  129. Sheila says:

    I agree with what Lesley has to say, put very politely I would say. I live in Aberdeen Scotland, Aberdeen is very prosporous but rife with the same attitudes as mentioned by Lesley, but probably more so.

  130. lysa says:

    I think your spot on with the UK, we are conditioned to fit in and knocked down if we dare to dream from a young age . When I mention the success I will have people scoff and think I’m bonkers , however I just realise I’ve woken up and they are still living in the conditioned conscious world. Also gotta say my perception of the US is the same as yours, they appear to be encouraged to dare to believe. Hope that helps

  131. Pennie says:

    In my experience, Australians are not encouraged to become financially successful. When a person looks like they are achieving friends turn on them and we have a number of celebrities hen the government likes to keep the majority down television helps this process as well as working drones, with taxes and expectations, rules and laws effectively dumbing down the nation!
    An example I have a teaching degree (primary school) I also have an associate diploma in child care so I am group leader trained with many years experience in working with children under 7. I also have Montessori training 3 to 6 years and was the Director of the Montessori Children’s House for a couple of years. The government in all their ‘wisdom’ decided to change rules and laws around qualifications and expected me to pay for another bridging course before I could get back to kindergarten teacher. Government wants more and more people at uni (fees are high) studying constantly. They do not work together to work on placements so when qualified after 4 years too many graduates not enough positions! The place is a mess! We, in my opinion are not encouraged to achieve.

  132. Tracy says:

    Kia ora, how did my then 16 year old son put it “…NZ suffers ‘tall poppy’ syndrome”, so perhaps the ethnic in me will place that on the colonisation mentality! Confess for a little country, Australia poaches our successes as their own, yet they existed here already… America well we have TPPA issue which validly concerns many already~so one would like to consider ‘ethical standards’ within business practice are valued ahead of ‘exploiting others’ (although that exists within some of the old guard already)…UK you lot bet the French, and in doing so brought some of the ethics your generation of the time valued ‘ho-hum’ (remembering your lot sent apple thief’s to Australia for punishment) ~ yay for Tiriti O Waitangi as much as it unsettles/d many…Canada – surprisingly we have Kiwi who have ventured there never to return or vice versa… I guess we are the land of ‘No 8 wire’; where I would appreciate or least would ‘dare’ you to ‘dare’ some into thought patterns they may have never contemplated based on “hard work… is JUST how it is…day in day out” as that is how many are groomed whether they like it or not – it JUST IS…so all for demystifying & creating “BUG-Free Minds”…Ki Tamaki Makaurau = Auckland better location if going for population base; and for a little country, as I say and always will…we have a lot of talent, which need to discover themselves and celebrate those talents which exist…so tag it ‘NZ-Aotearoa’ :)

    • mike says:

      What is that all about?If your not from NZ you will have no idea,and even if you are it doesnt make much sense!!

  133. Marie says:

    Hi Andy!!

    We swedes have a hard time standing outside the norm that former generations have set up to be the appropriate one. To be successful means that you don’t flaunt your money, that you don’t talk about how much you earn, or how good you are at what you do -that´s bragging and are not accepted. But at the same time you are required to do a heck of a job and earn your keep! There is a materialistic have, have, have mindset in many, like having the latest phone, tv, car etc.

    To speak of money is akin to speaking of the plague and is considered shameful. We are all so drilled in the “Jante law” that we as a people are stuck in a “lack mindset”.. BUT at the same time we are pressured to make something of ourselves (But God forbidd you do better than your neighbor) and if we don’t succeed at all then we get critizied for that, and looked upon as parasites on the wellfare system that our taxes pay for (the ones that do work that is).

    We also have a strong sense of privacy and therefore keep our distance towards others, and matters that are to personal we do not speak about in public (and that is especially true regarding financial matters), when someone does we often judge it as inappropriate (this is especially true in the older generations, those born in the -30s, -40s and -50s).

    There are a lot of successful people who has made a name for themselves. But as above stated they are frauned upon and there is envy pouring out of the people judging them. There is no ill- intent on their behalf but a missguided sense of righteousness.

    This climate is changing in my generation and those after me and probably Daniel and Magnus to (those born in the -70s, -80s, -90s,) are more open-minded and entreprenurial in their nature, questioning the previous guidelines and norms. And acctually revolting against them, which I think is fabolous. I think that we are going to see big changes in the “jante law” in the years to come. I hope that we will cross this one from our vocabulary right now or at least in a decade or two!!

    The climate is changing to be more open and the privacy mindset has lessened its grip, at least on the younger generations. Off course it takes time to change a whole nations view on something as important as money, power and being individuals (and not a herd of sheep). But we are slowly changing for the better!!! We are mowing towards accepting successful people, without judgment or rightousness.

    Hope that this help you in your quest to know more!!
    Namaste, Marie Jo

  134. Prezado Andy,

    Fazemos parte de um sistema falido, ganhar dinheiro e um direito de todos, só assim termos dignidade, tudo tem um valor, o trabalho nós dar a oportunidade de servir e ao mesmo tempo planejar nosso crescimento, mais ganhar dinheiro com certeza tem seus segredos, precisamos aprender gastar menos do que ganhamos, mais não aprendemos na hora certa.
    Aqui no Brasil parece que tudo é de graça e não e bem assim, temos uma taxa muito grande de pessoas endividadas, sendo assim ficamos pagando juros e se iludimos com o sistema .
    O povo precisa ser educado financeiramente, só assim podemos construir uma Nação com mais dignidade.

    Grata!

    Maria do Carmo Torres

  135. Zevrahdahlahtah says:

    In the US, there was NEVER any entrepreneurship training in public schools growing up, and I’m over 50. The education system was designed for you to get a job. However it’s taking better shape these days, as more high schools and colleges are offering courses in entreprenaurship.

  136. Morris Amule Vucia says:

    I do not mean to point fingers at anybody or an organized group of persons but here down in Africa, particularly Uganda my home I do not think people ever put that question forward. Why? They simply fear to be called all sorts of nasty petty names.
    When you personally try to invest in a booming business, know one thing clear that you will be witch dogged. Or if you get through with it then know that you must annex politics to it otherwise…..”behind every millionaire there is always a dirty game” is the concept here.
    So therefore if done, all is at your own risk, whether young or old.

  137. Jim says:

    In Canada success and entrepenureship is definately encouraged and very often achieved. However, being so close to the US far too many Canadians with good ideas frequently head south to a larger market. You would be astounded if you knew how many very successful people in the US are actually from Canada. These are anywhere from leading actors in Hollywood to captains of industry. Just as an example, check into what happened to the Canadian scientists who developed the Avro Aero. Did they put a man on the moon?
    Canadians are far too modest and this is why many of their accomplishments go unnoticed or at least uncredited.

  138. Annerose says:

    Dear Andy,
    My country is Namibia in Africa.
    If you ever come to South Africa to present your course there let me know and I will attend.

  139. Nath says:

    I am from Mauritius. Financial success is most welcome. It is ideal to do business.

  140. debra greenfield says:

    In America, Financial success in the US is not for everyone. Racial disparity exists. Big payouts for CEOs of Corporate America; big tax breaks for companies requiring employees to work two or more jobs to make monthly expenses and unfortunately many minimal wage workers also have to depend and apply for government assistance which to me sucks. We are talk early to get an education and now we have more people with degrees and no jobs because all the job/products are overseas getting a huge tax benefit, charging consumer a 110% mark-up for product that are just worthless.

  141. cynthia says:

    Hi Andy
    My country is not one of those mentioned so I’m not sure you want to know about us as a people- we have enormous challenges but we’re a peculiar people-we have guts and determination and many many entrepeneurs who are so gifted and determined to make it that you should perhaps have a closer second look at us – you would be very surprized-
    All I can say is the business people of SA are not so different to the rest of the world -we all want to live a safe comdortable life with good health care and schools for our kids and the opportunity to build our lives on good steady values –
    Regards
    Cynthia

  142. Anne says:

    As a Canadian, I’d say that we definitely don’t have the aggressive drive for success I’ve seen in our neighbors to the south.

    However, I think it would be simplistic to say Canadians are one way or the other. This is a very big and diverse country, and I’d say there is a split personality when it comes to success.

    There are a great many people quite happy with getting steady job, and working at making a reasonable living, to assure they have a stable retirement. There are also a huge number of more independent/entrepreneurial types that start small businesses and rely on themselves to create a comfortable and secure lifestyle. I’d say the percentage of the balls to the wall, driven to succeed big kind of entrepreneurs are in the minority here. I don’t think our education lends itself to aspiration.

  143. Deb says:

    I agree a lot with Edward. I have always hated putting up with regular jobs–working for others. That is usually how it starts. You want to be on your own,working your own hours and not answering to anybody, but yourself. It takes a lot of time and work. Still not there,but I think in time–I will be. You always have to have a good attitude. Learn from your mistakes and proceed.
    I would never want to be like –OPRAH WINFREY!! {note spelling} Nobody needs that much money. People lose their sense of just why they are here. She is an exception, though. Good for her. Also, the richer people are the ones that can get more money if they want to do something else!! Now, it is difficult to even get your own house–unless you can pay for it in full!!!
    We are in a big mess now–as most of the world knows–because people “in charge” are not willing to talk WITH each other. They constantly cut everything down. It will be interesting to see what will happen!!

    Deb

  144. Thomas oladapo says:

    Dear andy
    In Nigeria what we lack is leadership, in the sense that everybody are for their self interest, so what we get here is taking advantage of people who really want to excel and they believe in the opportunity you brought to them, working with you thinking they can have financial freedom.all of a sudden you back out of the business because we’ve made money through their effort and you jump into another to get new people and do the same again because we Nigerians are really looking for how to excel and most of us have little knowledge of prosperity but to many passion to excel.

  145. deydalia says:

    I feel that most people success in the united states are people that have came from other parts of the country and seen how in there country they were never gonna succeed and came to the US with the mean of having to succeed to help there family that are poor of in there country come from a poor background those are the people that they don’t care if all they have in a day in one meal to eat even if to them a meal is a plain tortilla roles up with a Chile jalapeño and a little bit of salt so they can save to buy a home a car or start there business they are very hard working people and I say that if they sweat and put in tears being apart from there loved ones in there country’s to make a better one for them here they’ll strive no matter what you don’t have to go to school or have a diploma all you need to have is determination to set your goal and conquer what ever obstacle to pursue till you get it

  146. Cherry says:

    I have to agree with another of your readers who says – You are right about Canada. I am finding Canadians to be self centered and egotistic about financial success.

    • Penny says:

      I was really enjoying the comments from your readers until Cherry’s rude comments on an entire nation. That kind of judgemental thinking was uncalled for and very unrealistic. Canadians are a people of many cultures, all striving to do their best and survive. They can be self centered, egotistical about financial success or they can be a million other personality traits. A country is supported by the sheer will and drive of her people and that to me is important. Not judgement calls that have no basis in fact.

  147. John says:

    Andy
    I have to concur on the ‘supernatural stubbornness’. If you are self-employed (at least in my experience) and a male therapist; then you must be:

    a) from the planet Zog
    b) just in it for the money
    c) looking for an easy way to pick up women.

    I’m sure I was born in the UK, financially it has been tough and I’d be far from happy cheating on my wife…she’s also my best friend.

    I’ve been self-employed for over a decade. If I had remained as an employed person, I would be a shadow of who I am now, playing the political ‘games’ of control and power over others…or ended up in prison for hitting someone. I loathe bullies and people who abuse their position.

    The qualifications I gained to MSc level are ‘background’ useful information and filed in a drawer. I briefly tried to pursue a scientific career to be told I was inexperienced or underqualified. I was unprepared to become ‘Dr John’ and polish test-tubes for any Professor with a pole up their backsides. So I walked away, retrained in what I am passionate about and eventually became self-employed.

    It’s tough and sometimes challenging getting people to realise they can change their lives. I may not be rolling in it, though I am still standing and working with people. Would I like to be busier? Definitely. Money is merely an expression of abundance; it’s what we do with it that matters. It’s just another life tool.

    I could curl up into a ball, give up and just ‘get a proper job’ – though I would be completely untrue to myself. People have to realise it’s ok to ask the awkward questions and challenge the ‘mindset of conformity’. Flex those emotional and intellectual muscles, create your own state of mind and live!

  148. Gisele says:

    How disappointing to see that you don’t have the proper flag displayed for Canada in your blog and we are a member of the Commonwealth! Our flag is red and white…there is no blue!

    • Andy Shaw says:

      Hi Gisele,

      I searched Canadian flag and it was the first one that came up… Now that’s funny!

      Best wishes,

      Andy

      • Anne says:

        Odd perhaps, but not so funny on this side of the pond!

        Canadians like to see Canada as a shining example of peace and democracy in action, and to know that our red & white, Maple Leaf flag is’t immediately recognizable to is disappointing. Living next to the US has given Canadians a bit of an inferiority complex, so we value being recognized (particularly as something other than a suburb of the US)!

        • Deborah says:

          I’m from the US, and I noticed those blue stripes immediately. I thought, “When did THAT happen?” I was going to look up the history of the flag to find out, and I’m glad to know I’m not going nuts. You have a very distinctive flag, and I’ve always loved the Maple leaf.

  149. Daniel Less says:

    Dear Andy!

    In Sweden, where I was born and raised, the attitude towards “success” is very complicated, if “success” is interpreted as financial independence. Sweden has been ruled by left wing political parties, such as the Socialdemocrats, for more than a century. This has unfortunately indoctrinated generations of Swedes to think of financial independence as something intrinsically questionable, something to be frowned upon, or akin to being “not one of the workingclass”, or not showing “solidarity” with the working class. In other words; somewhat shameful! This is still an attitude very much alive today, if you can believe it!
    It is slowly changing, thank goodness, but very many people who are rich are still not very comfortable to show it openly, thanks to the jealousy it will inevitably cause. Much less actually flaunt it!
    It has also always been the cause of emigration, or why many Scandinavians choose to emigrate to Anglosaxon countries like the USA, Australia and so on, just to get away from these attitudes, that seem to be ingrained in the Nordic psyche.
    Kind Regards,
    Daniel Less

    • Niels says:

      Hey Daniel
      Thank you so much for sharing how you feel about Sweden.
      You hit the nail on its head.
      I grew up in Denmark and feel exactly the same about my native country.
      I always thought I was an odd ball for having those feelings, but it is the very reason I could not live there again.
      It was like I was being strangled by this pervasive indoctrinated attitude of not being able to think and act freely.
      I now live in Australia and are tremendously grateful for every single day I get to live here.
      Kind Regards
      Niels

  150. Laura Scott says:

    Thanks for asking, Andy!

    Financial success in the US is not for everyone. While it obviously happens, one of the beliefs is that it happens only for the few. Or so we think. In today’s world of social media, we see those that demonstrate their wealth, fame or both in a very ostentatious manner as being the model to strive for. After all, what good is wealth if you can’t throw it about a bit?

    The financially successful possess incredible luck, drive, and resources that not just anyone can have. While this opposite is taught endlessly, we are also taught you need to rely on other’s creativity to make any fortune, thus limiting the ways and means of getting there in what appears to be a saturated market in any endeavor one attempts.

    The more pictures posted on Facebook of luxury cars, homes with grand staircases, and private island getaways make the mindset divide of those that have and those that don’t all the more. It’s not necessarily motivational. It teaches you these are the things you must acquire to appear successful; any other product of success looks kind of boring by comparison. That simply won’t do.

    While the US has more resources to get going, it also has more working against the would-be entrepreneurs that don’t feel they have that magic formula that creates a great entrepreneur. The desire to be the next big thing makes a lot of people who are still striving wonder if all the good ideas have already been done and used up.

    That’s why we need A Bug Free Mind in the US; we need more creativity working in the US so that more people can be successful, not just believe we can.

  151. Edward says:

    Andy,

    The dream is still alive here in the United States. However, I’ve seen a big turn towards the herd mentality over the past couple of years. An entitlement feeling from the majority, that they should be given or handed their success. Although the dream is still alive, I sense a major lack mentality here currently in the States. The ones that want to work and achieve a desired life are still out there, and are diligently pursuing their desired lives. Success in the United States seems to encompass a number of things, Material Goals in my opinion top that list. It still is all about what you have, (i.e. The house, the cars, the bank account etc.). What I am starting to see a little more is an appreciation for other riches as well (i.e. Being healthy, appreciating the things they do have). There seems to be a number of people I am aware of that have just accepted their situation as it is, with their understanding that this is how it will always be for them. Fortunately, for myself I don’t believe that. I feel in my core that I am supposed to be successful in every area of my life. I feel in my core that when I finally leave this Earth, I will be a legend. I hope this helps. Thank you for all your work.

  152. SHERLOCK REID says:

    Hi Andy:

    >>>You are never encouraged to be anything other than a tax puppet for the Government.
    If the Government can tax you enough to keep you at a place where you can’t get beyond a certain income. Then you are considered middle class. So your the guy that the taxman loves, because it seems if you are rich in this country there are so many loop holes to jump through to avoid being hit by the taxmans. I am trying to get beyond that point, thats why I have purchase your books, and why I am reading them not just letting them sit on the shelf.
    Trying to find time and freedom. Sherlock

  153. Shelley says:

    Hi Andy,
    I totally agree with the assumption you have put in for the Uk. Being a Uk resident myself and trying to better myself has been the most frustrating experience of my life. I have never had more mocking and even close family members saying Shelley people like you who didn’t do well at school comments makes me question myself a lot. This has been the hardest, loneliest journey of my life, but I ‘m not giving up for anyone. I know I can do this and I just want to prove to my kids their is an easier way as people believe I need to be put in a nut house for saying life should be fun, easy and enjoy your work with a passion. I’m not gonna give up on these people and really hope the Uk comes out of this weird sort of everyone does the same syndrome right down to everyone thinking the same on issues from hyped media (what the hell is going on)
    I really hope one day I can make a difference even if just only to a few.

  154. Hubert Mohl says:

    Well, I live in Austria, a small country in central Europe, as you well may know as the country of the Alps,famous skiing places, very good athletes concerning winter sports, classic musicians as Mozart, the country where men like Arnold Schwarzenegger come from. In our country a lot of burocracy stands in the way of successseeking people. Nevertheless a lot of peopl have achieved great financial success (i.e. Didi Mateschitz-Red Bull, Niki Lauda_forer Formular One champion, former Airline owner,…) I think, as the country is quite small (about 8 million inhabitants) people, who want to be successfull have to use the bigger markets of Germany, Europe or the USA.

  155. Kim says:

    Financial success for the Dutchies (The Netherlands) is viewed pretty much the same as in The Uk, or even worse. They are Calvinists, what do you expect;-)

  156. Ruth says:

    Hi Andy,
    I’m British, and I’d go along with how you described the view of financial success there, but add that, after living in Italy for the past 8 years, Britain looks quite entrepreneurial from here! Growing up in Britain, I never felt there was anything I couldn’t do or couldn’t achieve, but there was more emphasis on being a good citizen and making a contribution to society, than the pursuit of wealth (at least in Scotland). Sir Tom Hunter was in the year above me at school – and I’ve never heard anything negative said about his financial success – only admiration at the enormous changes for the good that he has been able to achieve.
    In contrast, Italians are quite fatalistic about wealth – they admire Silvio Berlusconi because he is perceived as having beaten the ‘system’ -i.e. dependence on the State and one’s employer, and being a ‘victim’ of the taxation system -but feel powerless to emulate his success. Andy – this wonderful country needs you! Any plans to translate ‘A Bug Free Mind’ into Italian?

    • Andy Shaw says:

      Hi Ruth,

      A recently deceased ex-business partner of mine used to live in Italy and he said more or less exactly the same as you just did… No plans for Italian at the moment, still got too much to do in English for now.

      Best wishes,

      Andy

    • Catt says:

      I have never heard directly from anyone who genuinely admires Berlusconi, so that is a very interesting thing to hear!

      Italy really needs help in my opinion as well – I don’t know about for those who admire Berlusconi, but I know about those who don’t!

      -Catt

  157. Elle says:

    Actually in Canada… the mind set is that you have to go to the United States to make it big…. be it in the arts or any other field… if you want to make it big go South! As well, you are encouraged to become part of the norm… to fit in…do as others do… to dream is not what they teach you in Canada… to become part of the status quo is what is encouraged… don’t be different… but there are those of us who choose to go above and beyond… even our Government Scientists have been told to be quiet… the public doesn’t have to know anything other than what our government wants us to know…. such a shame and a waste of brilliant minds and people!!

  158. Anne says:

    I have just retired from the work world. My experience is everyone is told to achieve and succeed but most of the work force is unhappy and stressed and in jobs that are not necessarily their dream job. A small percentage being in the top paying great jobs.

    Students out of University are no longer guaranteed the jobs they hoped for and the salaries are not what they use to be. They may view your ideas as a bit flakey new age kind of ideas whereas in reality we know they are the truth but the world needs to catch up. However you have the advantage of having made it so you can draw people in with that if they know you are worth XXX they we pay attention.

  159. Magnus Eklof says:

    Hi Andy

    Even though my country (Sweden) is not on the list I figured if you’ll ever plan to come over (it’s not that far away) you should know that it kind of looks like the UK.

    “You should fall in the lines and don’t try to be any better or earn any more than anyone else because that’s just showing off and we don’t like it!”
    We even have name for it, kind of “a law”, called “the Jante law” that states you should absolutely not stand out from the crowd.

    So as you can imagine the entrepreneurial life is really hard. :)

    Regards
    Magnus

    • Andy Shaw says:

      Hi Magnus,

      I got to visit Sweeden a few years ago and had the pleasure of meeting some wonderful people as I bought a car from a Sweedish company. I was amazed at how you guys spoke better English than I do!

      Jante law sounds like an amazing cultural mind mess!

      Best wishes,

      Andy

  160. andrew says:

    I think the US has a lot in place to help those work hard and if you have a dream and work hard can succeed. However I have noticed that their are many with limiting beliefs about making money and allowing themselves to enjoy the money they have made without feeling bad.

  161. JEANETTE MANN says:

    we are very good at encouraging everyone, but the choice is theirs, we cannot make people do what they don’t want to. i have encouraged my children to think, act and be success and nevr to quit. the tougher it gets, the more determined they must be to get what they want. anyway an active mind & body keeps you healthy. i am 66 years old and will be doing another degree in Jan.. 2014. i just love studying, especially at exam time, it gets me excited as the challenge of passing keeps me going. age is a state of mind, just a no.

    i am more active & energetic than a 17 year old, with endless natural energy, mental and physical, but i am also a multi holistic therapist/ healer/ stress management counsellor

  162. Cledison Fermino says:

    Hello!!!

    My country is Brazil !!!
    Please give me more information about your program.
    Best reguards.

  163. Dave Lavigne says:

    You are right about Canada. I am finding Canadians to be self centered and egotistic about financial success.

  164. Graham Paris says:

    UK – Yes I think you are about right about UK thinking. You need to be a bit of a rebel and step aside of the media driven thinking (I don’t have TV, nor do I take a newspaper) The Financial Times Slogan “No FT no opinion” really got me going! I was incensed! Another perception I have about the English at least, is that they do not know how to handle wealth when they get it.

    The old, true, capitalists did. Nevil Shute’s ‘Ruined City’ illustrates the point as does his experiences with Airspeed and the capitalist that supported that early and important British aviation company. Unfortunately we are controlled (our thinking generally as a nation) and our finances by the huge corporations that are sucking wealth upwards to the narrow few at the top of the feeding chain. But yes, bottom line, about right I think. :-)

  165. Lesley says:

    You are very right about the UK but there is a huge amount of wealth being created in the city very quietly. There is a lot of talent here and a lot of people are attracted to the UK to work in finance. So there is successful entrepreneurship but it’s done quietly. Generally as we are in a bad recession anyone doing well is treated with suspicion but I think that’s pretty general anyway. The culture doesn’t like success, it tends to welcome drones who will work for next to nothing, keep you in your place and all that. I could go in but it’s too depressing. There is a massive gulf between rich and poor but I think that’s a worldwide phenomena – we need a balance!

  166. Shay Bachelet says:

    Financial success in Canada is viewed very similarly to financial success in the United States. I am a resident of Alberta in which financial success is viewed somewhat differently from the rest of Canada, or at least the road to financial success looks a bit different.
    We are the province of Oil and Gas and the Oilsands, where someone can go into the oil and gas industry with a high school diploma and make $80-100 thousand dollars a year right off the bat. Financial success looks like lots a lot of toys (snow mobile, ATV, boat etc), a huge, brand new home in the suburbs, a large 4×4 truck kor SUV, and vacations to Mexico a few times a year. I love my province and country though. For the record. And I don’t work in oil and gas.

  167. Miles says:

    Your assumption of the USA is way off. We are indoctrinated from an early age into financial slavery (ie go to school, get a good job). Entrepreneurship is pretty much not even discussed.
    My idea of financial success is not having to worry about where the next dollar will come from and the ability to do whatever I want whenever I want.

    • Catt says:

      I agree with Miles on this one – Americans’ mindset on money is pretty much a slavery.
      Andy your chapter on the 50 year plan is very revealing to the behaviours of Americans.
      Americans are warm and friendly because they want more money and they are told to do it. To speak in Marx’s words, they are “political emancipated” but not “human emancipated”
      On the entrepreneurship, I think it is a minority. But it comes up because no one thinks the same in the US – there is no defined culture (walk down a street every house looks completely different on the same block) and so people are free to define their own cultures. This is why, imo, Americans are obsessed with “this is legal” and “that is illegal,” and why they are tied to money – hardly any other way to relate to one another.

      From my experience, financial success in the US is different across the country (west coast vs east coast) but most are drowning in debts from playing the he who dies with the most toys wins in some form or another.

      And goal setting is not encouraged at all – money-getting is! It’s all about how to do it to get the money, and of course our recent financial crisis reveals that.

      The American Dream is a bit of a hoax in my opinion – the only thing true about it is that there is no deep-rooted culture to hold you back from doing things, you really get to choose the form (for ex, although they are money tied, if they want to do that through their car they will, through their travels they will, through their house they well, career, etc.). But this also makes people ego-identify even more – claiming they are “this kind of person” and not “that kind of person”

      • Sabrina says:

        hey Andy,
        Miles and Catt have nailed it, and btw, you really have been watching too much american tv. I’m approaching 40 and entrepreneurship was not discussed in school as an option, only as a warning example of how risky it “really is”. college is the only business pushed, and anyone who doesn’t go to college is doomed “a failure”. its a fearful thing to even whisper the thought of deciding not to go to college.
        nevermind the fact that I have a job where I work with most who have a degree, however, I make more money then they do w/o the college debt and std’s.
        possessing the most stuff, or “do dads” as robert kiosaki calls them, having the prettiest and biggest house, cars, ect, is the be all end all, and taking the most trips, that is “success”, just don’t check their cc bills!
        the the really sad thing is foreigners buy into the propaganda and come to the US thinking the streets are paved with gold. they cannot be convinced otherwise until they come here and find out the truth for themselves.

        • mesfin says:

          hi Andy i am mesfin from Ethiopia, Africa. being the newly developing country in East Africa Ethiopians are living in an absolute poverty. i can say that there are no classes that we can categorize them as middle class, the people are either poor or some five percent of the people wealthy individuals. we can classify some not more than 10% as above medium rich! entrepreneurship is still in its lowest situation. government employees are living short of subsistence. more than 70% of the people a are still illiterate. though the current government is trying to do away with poverty, hunger and illiteracy is prevailed. education is still in its infancy stage. considering all these situations and others financial success in my country is lowest!

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