The simple fact that you are reading this manual indicates that you are interested in the notion of achieving total financial freedom in less than ten years, as promised by our home page headline. Serious wealth builders have always known that it takes seven to nine years to become rich or significantly well-off. This has been proved repeatedly through trial and error to be the case, exceptions simply proving the rule.

On the other hand, if you don't plan on becoming rich in that time period, it also shows a lack of seriousness about building wealth.

While the statements made above were often directed at the entrepreneur, they hold equally validly for the career professional who is seeking to amass a serious amount of wealth - at least enough to lead to financial freedom.

This manual has been created to detail how serious wealth can be built by career professionals, and lay out a roadmap to get there. Print this manual out and keep it by your side as you chart your road to total financial freedom.

Manual Owner's "Take it to Heart" #1 - Clarity of Goal  - Let us be very clear as to what you are likely to gain at the end of your run here. Before the end of ten years from the time you start your activities, you should accummulate enough net-worth that you can generate a passive income from it that does not require you to work anymore. Does that make you rich? Not necessarily - but it makes you independent of an income from a job. From this point, you work at a place of your choosing, in an area of your choosing and time of your choosing. Will the passive income be large enough to live a rich person's life? It is possible, but not probable. But it can afford you a comfortable lifestyle.

For example, with a $600,000 net-worth, you can generate, at a 6% conservative investment rate, $3000/month income. That is more than a lot of individuals in America earn. Do a little better, and you will top the $1,000,000 mark and easily get $5000/month income. These are very likely goals to achieve. But they do not make you rich either - but they do spell f-i-n-a-n-c-i-a-l f-r-e-e-d-o-m.

Manual Owner's "Take it to Heart" #2 - This is not a Passive Road

There is nothing passive about this road. It is not a get rich quick scheme (obviously), neither is it a "do this one thing, and all your problems will be resolved" road. It requires active participation, feedback, and ongoing effort. This is the most important reason for which we offer our discussion forums for exchange of ideas and thoughts and support. There will be periods of set-backs, periods where your investments, or your career, or your extra income business work against you - but anytime you are down - return here for support.

Manual Owner's "Take it to Heart" #3 - There are Four Pillars - not one, two or three - but Four

We cannot stress this enough. Ignoring any piece of the puzzle can put you back seriously. We emphasize:

• Market-beating investing returns
• Extra Income Business
• Career Development
• Personal Finance

There is a reason we insist on all four areas. Ignoring investing of course puts you on course to a 40 year road to freedom - if you are very lucky (even this requires a certain amount of discipline). Not having an extra income business implies you are too dependent on your primary income source, making you subject to loss of income or reduction of income episodes. Additionally, in good times, the extra income drops to your bottom line and brings in financial freedom much faster (or makes you richer than you thought). Not worrying about your career unfortunately will make your every day life rather miserable. Looking for the right career, then the right job - and then excelling at that job ensures your ongoing happiness, raises your salary and makes you invaluable in your company. This raises your confidence and you become an automatic wealth and opportunity magnet. And finally - personal finance is the gatekeeper that ensures that more of what you make stays with you and builds your net-worth, insures you against disasters and funds your future endeavors.