Category Archives for "Financial Freedom"

Financial Freedom is something that the majority of people obsess about but don’t know how to make it happen. This category is designed to assist the reader how to achieve the goal of financial freedom.

What Is True Financial Freedom?

Hi, everyone. My name is Raymond Jewel, and today we're going to talk about what is true financial freedom. 

So, let's talk about true financial freedom. When you hear the financial people talk about becoming financially free, their definition is a different definition than what wealthy people deem financially free.

So if you're going to work with a financial person from the financial institutions, you want to understand what financial freedom means in a sense that the wealthy people look at it. 

When you look at financial freedom in the financial planner stage, you'll see that on the screen here you have several steps. I've got five here, but there's many more. They want you to pay down your credit card debt, to save and invest 10% to 20% of your income, build a strategic reserve, whatever that means. Some people call it a rainy day fund. Wait to buy a home until you're ready and can afford it. Live within or below your means.

Well, this is fine if you're just focusing on today. But wealthy people don't do that. They don't focus on just getting by. They don't focus on... We call it lack. You will achieve what you focused on. So when you focus on lack, that's what you'll get, lack. So if you're focusing on just getting by, that's not being financial free. So I copied the above 5 items off the internet, five ways to achieve financial freedom. They are not focusing on abundance. This is very lack base. So when you focus on lack, that's what you get. You get lack, and chances are people never will achieve the 5 objectives because they will get frustrated living in a lack based future.

If you're going to go down this road, you have to have an abundance approach. So if you look at financial freedom, the way wealthy people look at it, they have an abundance focused image. They have a vision of what they want. And that vision is amazingly creative and it defines their wants and dreams, not needs and goals. So when you focus on wants and dreams, they're far in excess of things that you could ever imagine happening. 

So, if I asked you what are your wants and dreams, you'd come up with all sorts of crazy stuff. Wants and dreams are automatically abundance focused. 

But if I asked, what are your needs? And let's focus on financial freedom, which is based on needs, you'll just put down enough to get by. Just like this. Pay down your credit card debt. These are all mundane little things. Saving and invest 10% to 20%. Well, if you've got an average income of $50,000 a year and you earn that for 40 years out of your life, you've had millions of dollars flow through your hands over your lifetime. If you calculate a reasonable interest rate, maybe 4%. It's $4 to $5 million dollars that will flow through your hands over your lifetime.

And what do the financial people want you to do? They want you to save 10% or 20%. Where did all the other go? So when you understand wealth creation principles that are used by the wealthy, they maintain control of their wealth as they live their life. 

I know that sounds like a lot of voodoo and witchcraft, but it can be done. And that's why the old saying 10% of the people control 90% of the world's wealth, because the 10% think differently than the 90%. When you think like a wealthy person, you're focused on abundance. It's abundance based focus.

So, when you're focused on abundance and you're going through daily routines to try to build a financial freedom world, you will not do it based on a lack based focus. So, paying down credit cards may be one thing. Being debt free is a great goal. And there's nothing wrong with that goal, but it has to be a goal that fits into your total wants and dreams. So, if my wants and dreams are to have millions of dollars and to build a business that's generating incredible amounts of money, part of my wants and dreams will be to be debt free. So if that's my focus being debt free, that will happen.

And that's financial freedom. Let's go back to the way the wealthy think years ago. They had a vision of their wealth. They had an image of their wealth. They understand what wealth looks like and they're able to create that image. It's not that hard. It's very easy to do if you know how to do it. It's very simple and it's been used for thousands of years. These principles never change. They just get buried by other people that have another agenda. 

Financial institutions or financial planners will not share this with you. There's nothing wrong with working with a financial planner as long as you understand the basic wealth creation principles that financial people use, and have put together a life’s wealth plan of your life.

I recently wrote a book and you can get it at no cost just by going to and downloading it. In it you will be able to understand these wealth creation principles and how to implement them. So when you read the book, you'll understand the basic principles. If you want to go further, we've put together a workbook that you can get, so when you go to you will get an insight into how the wealthy think. We've been researching these principles for well over 35 years with unbelievable social proof. 

I've been teaching these principles to my clients for well over 30 years. And we all, my clients and I have grown wealth together with amazing results. So now, I'm offering it to the public because I think that people need a chance to get out of that 90% and move into the 10%. 

My goal is to make that 10% statistic higher and 90% lower, because if people understand full wealth creation strategies that the wealthy have been using for years, then you can literally sit down with a financial person and operate on above a level playing field because you'll have more insight than they have as far as the thought process before listening to them. So you'll know where their faults are and you'll be able to intercept them and not do them. 

You'll know the questions to ask.

But true financial freedom is an abundance based focus. Again, there's nothing wrong with being debt free, but that has to be part of your image, part of your wants and dreams. 

Now, let's separate the difference between wants and dreams and needs and goals. And I've done several videos on this, but I'll just touch on it briefly. If I were to ask you what your needs and goals are, they are baseline. They're just getting by and you would tell me what you need to pay your bills on a monthly basis.

You would probably say, well, I want to take a vacation. So, you're just planning on getting by basically. You'll achieve what you focus on. So if the rug gets yanked out from underneath you, you're in big trouble because you didn't plan beyond your needs and goals. 

But, if I were to ask you what your wants and dreams are, you would come up with amazing wild dreams. I want this car. I want a Ferrari. I want a bigger house. I want to fly first class all over the country. I want to build my business and have thousands of people buying my products. Whatever it is, your wants and dreams are far greater than your needs and goals. So if anything happens to you and the rug gets yanked out from underneath you, you're not even going to be phased. 

But the financial world runs around doing what they call a financial needs analysis. They want to analyze your needs.

So, they want to analyze what you need just to get by. They don't analyze your wants and dreams. They should have a wants and dreams analysis. Let's talk about what it is you want out of life. What is your daily dream? What is your daily want? And if it's to be debt free, if it's to build a strategic reserve, if it's to buy a new home, it's part of your wants and dreams. 

To wrap all this up, what we want to talk about is always focusing on abundance. Our mind talk has to be abundant, Mind talk, not lack. Abundance is key to achieving financial freedom and financial freedom is possible for anyone.

You just have to have it in your image and understand what it looks like.

Thanks for reading.
Raymond Jewell, PhD

A Shocking Truth About Network Marketing

Without A Plan, Where Is The Destination?

One of the shocking truths in any business, whether it be a regular Businesses or a Network Marketing Home Business, is that most are entered into without a business plan.

When a plan is not created the chance of  succeeding is minimal. But, It does not have to be this way!

It is not hard to build a business plan before you start a business and if you do you might discover that the company you are considering to join might not be the right one.

Many times people will join a company because they get caught up in the enthusiasm of the person presenting the business opportunity to them, finding out later that it was not such a good idea. “I know it has happened to me”! I have done it both ways, joined with out a plan and with one. When I joined with one it worked!

You see everything in your mind is a perfect world. There are no inefficiencies in your mind, everything is perfect. You only see the positive outcomes and rarely see anything negative. So when you pay your $500 join your business you have no idea where you are going or what the outcome will be. You are expecting everything to be as you envisioned in your mind.

Remember, If you are joining a Network Marketing Company to make extra money, chances are the person who brought you or is bringing you into the Company doesn’t have a business plan either. 

After you join the particular company the harsh reality sets in that maybe you don’t like the particular business, or you don’t like the particular product even though you try to fall in love with the products/company but couldn’t.

You see many times people are approached by a friend to sign up with a Network Marketing Company and they might not be totally in love with the product or company but they try to “Fall In Love” with it for what ever reason. When that doesn’t work they quit and that gives a bad taste in peoples mouth about Network Marketing.

The same occurs with a off-line business, after a while you fail because you had no plan and all your investment is gone.

Without a Mini Network Marketing Business Plan your chance of success is very limited. I have put together a video Click here that you can watch and see how simple it is to put together a plan of action.  

Notable Quotes on Planning

“Productivity is never an accident. It is always the result of a commitment to excellence, intelligent planning, and focused effort.” Paul J Meyer.

“Plans are nothing; Planning is everything.” Dwight D. Eisenhower

“Planning is bringing the future into the present so that you can do something about it now.” Alan Lakein

“let our advance worrying become advance thinking and planning.” Winston Churchill

By developing a business plan first many things happen.

  1. The plan will expose whether you like the product or not.
  2. The plan will expose whether you like the company or not.
  3. The plan will give you a solid track to follow showing success on paper first.
  4. The plan will give you a idea whether you want to spend the money to join the particular company or whether to spend money to start your off-line business.

There are many places to get the planning tools needed to determine whether you are doing the right business and putting together a good plan to follow when you execute you business. I have put together a list of places to go to get the tools without spending any money. 

Great Book…

Write Your Business Plan: Get Your Plan in Place and Your Business off the Ground 

This book can be used for Network Marketing of Off-line Business. Business plans don’t have to be complicated, you can write them out on a napkin if you wish but having the knowledge of how to do it can be vital. You can even get to the point where you can run a visual model in you mind that will give you insight as to whether you should pursue the business or not.

I would get many business ideas cross my desk and I could look at them and tell whether they were worth my time or not. You can get to that point.

In conclusion, please, please, please, learn how to put together a mini Network Marketing Business Plan and use it before you join any company. It will eliminate failure and put you on a positive path to success.

Did this article help, if so please go below and share with others.

Ray Jewell’s Blog






“I teach you planning and implementation strategies that enable you to realize massive growth quickly.”

PS: If You Don’t have a Team, Haven’t Recruited Anyone (or less than 10 people), This is the Video you Should Get –10 Essential Reasons To Plan Before Joining a Network Marketing Company!

A Shocking Truth About Network Marketing, Are your thoughts equal to you’re plans?

Your Thought have to be the same as your plan.

Your Thought have to be the same as your plan.

Are you thoughts the same as your plan?

If not you might want to get the two straight.

If you like this information please share with others and give them help.

When building a business plan that has you growing your business to amazing heights and you really don’t believe that you can do it, then the chance of you achieving your plans goals will be slim to none.

Over the years I have seen people put together very nice plans showing that their business is going to be the next Apple, Microsoft, or Facebook only to find out that they didn’t achieve their goal. The reason is because the person who wrote the plan didn’t believe that the plan could be achieved.

Your thinking has to be congruent with your plans and you have to truly believe that you can achieve what you are wanting. As you create your plan you must image and visualize your outcome to create the powerful force that will catapult your business to the higher level. It also provides the energy you need to get the job done. If you’re thinking is not congruent with your plan of action, the energy level will subside and you will give up.

The Home based Business truth is you build your plan then make sure that you follow the basis steps.

  • Imagine what you want to do and conjure up the feelings associated with what you are want to do.
  • Visualize the process to you will follow to get the job done that is congruent with what you have written down on paper.
  • Visualize the outcome that you will achieve, over the time frame that you have written in your plan.
  • Visualize the feelings associated with the process your plan takes you through, and then the results of your plan.

A great exercise  to follow is to day dream about your business and the steps you are going to have to go through to get it done. As you read your plan visualize the outcomes and enjoy the feelings of the outcomes. As you day dream visualize the negatives in your plan and how you over came them. Even if you are visualizing several years, try to imagine the process step by step. This might take several days but sit down and read your plan and ponder each and every step as you make them in your mind.

I once heard about a lady sitting on a plane, with her eyes closed making many different noises with her mouth. The person next to her finally asked her, what she was doing and she said that she was Concert Master with an orchestra and she was playing the concert over and over in her mind.

Playing something over and over again in your mind is just a powerful as actually practicing  physically. The problem in business, especially in Network Marketing, is that everyone is in a super hurry to create their riches and they forget about what they need to do. If you take your time you will be better off.

In conclusion before you begin any network marketing company put together a mini business plan then believe that it can happen. It’s that simple!

Thanks for reading,

Raymond Jewell
Email: [email protected]

PS: If You Don’t have a Team, Haven’t Recruited Anyone (or less than 10 people), You will want to get a copy of my 10 Essential Reasons To Plan Before Joining A Network Marketing Company at

What Accountants Don’t Know!

I was recently speaking with a client who was telling me that their accountant was questioning some of the financial strategies they were doing and they didn’t know how to answer him. The client knew he was doing the right thing but was not sure because he felt he was being questioned by a professional, and they were supposedly knowledgeable about financial matters.

This is a classic case of a person who has an accounting background deciding to become an expert in financial planning and wealth building. When they leave their area of expertise they become incompetent about financial decisions. Many accountants are micro thinkers who love to get people who are uneducated in the financial world to do things that are not logical. Accountants are great in doing what they do best and that is accounting, but when they step out of their area of expertise they can hurt people financially.

In this case he wanted my client to give up putting money in an area that has no losses and no risk, to put it into a 401k program that was driven by the financial markets. The purpose was so he could look good in front of my client when he did his taxes. He could create a temporary tax reduction through the 401k that would cause my clients taxes to go down in the current year. But, my client would pay income tax on the distributions when he took it out later in life, not knowing what the tax liability would be in the future. He also was putting my client at risk of losing money if the economy did another downward cycle.

Most people who put their money in markets end up losing in the long run. I have been working with clients for 35 years and have seen most people get nice gains, but also huge losses that offset the gains. Many people who recently went through the economic downturn lost major amounts of money, never to recover their loss. Putting your money at risk is not necessary if you don’t have to, but the financial people seem to think that using financial markets is the only way to build wealth.

There are many ways that a person can build wealth and do it risk free but they have to look at their financial picture from a macro grid, and not a micro plan. Most end up listening to someone give them financial advice which ends up being someones opinion, which cost many people large losses. In all cases the financial person who recommended the particular strategy loses nothing. Not Fair!

If you are looking for a way to understand your financial world better tune in to my radio show every Monday Morning at 9:00 AM EST to Financial Freedom Radio. You can either listen live or later. I would love to have you.

Dr. Raymond Jewell

Is Achieving Financial Freedom A Real Goal?

Many people want to achieve financial freedom but don’t know how to do it. They read books, talk to professionals, get financial planning advice from financial planners, but never seem to make it happen.

The statistics are staggering when you look at who is retiring with what over the next 20 years. Why is this goal so illusive? What are people missing?

One of the major road blocks that keep people from achieving financial freedom is the misinformation that surrounds the question. Everyone has an opinion about how to do it and shares their information, or philosophy, on how to become financially free but most of the time its flawed.

One of the major flaws is that when anyone listens to a person who is a representative from the financial world they already have a hidden agenda, which is to get the peoples money and make a commission. Even if a financial person says they only charge a fee the fact is they will put the clients into a financial product and someone is getting a commission. Fee based advice is done because the planner wants to say they have no specific tie to anyone one financial institution, but truth be known, they are going to recommend that you use some financial institution otherwise they would not be in business.

The financial institutions must get your money and invest it, to be in business, so the financial person will direct you to some form of financial product. This is where the rub begins! When you use a financial product you put your money at risk and allow the financial institution to make money on it. They in turn will pay you a small amount of money for the use of your money. This is called Economic Rent. “Whats the cheapest I can pay you for the use of your money”.

When markets go down the consumer bears all the risks since the financial institution is passing it all to the consumer. So lets recap, the consumer gets paid a little when money is made and the financial institution makes the lion share of the money, but when the markets go down the consumer bears all the downside risk. It hardly seems fair does it?

So listening to financial people might not be a great idea unless you know how to play by the rules of the financial institutions.

To learn how to think like a financial institution all you have to do is tune in to and listen to the current shows. Each show addresses how to win using the financial institutions.

Thanks for reading.
Dr. Raymond Jewell