Las 21 reglas de las personas ricas (y cómo puedes seguirlas).

Hace poco me encontré con un artículo llamado “21 Maneras En que los ricos piensan de forma distinta a la gente promedio”, basado en un libro llamado “Cómo piensa la gente rica”. Quedé sorprendido por las similitudes entre el contenido de “Bold and Determined” y los modos de pensar de las élites. Las 21 reglas de los ricos están en negritas, y mi opinión, debajo.

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1.- Las gente común cree que el DINERO es la causa de todos los males. La gente rica piensa que la POBREZA es la causa de todos los males.

Los tipos comunes le tienen MIEDO al dinero. Sí, has leído correctamente. MIEDO al dinero. Seguramente has escuchado a tipos comunes diciendo cosas como: “Nunca haría dinero con esto. Nunca haría eso por dinero”. Como si el dinero fuera como el SIDA, y no quisieran tenerlo nunca. Todos necesitamos dinero, porque el dinero es libertad. El miedo al dinero es un boleto directo a Pueblo Promedio. Todos necesitamos dinero, no existe una maldita razón para justificar el hecho de tenerle miedo. No te avergüences de tu necesidad de dinero. Ahora sal afuera y déjale las excusas a Pepe Promedio.

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2.- La gente común cree que el egoísmo es malo. La gente rica piensa que el egoísmo es una VIRTUD.

Todos somos egoístas, pero existen dos tipos de egoísmo, el egoísmo explícito y el egoísmo implícito. Tú quieres ser un egoísta EXPLÍCITO. El egoísmo implícito es para maricas. Cuando salgas y digas “Lo quiero a mi manera y lo tendré a mi manera”, ciertamente conseguirás lo que tú quieras. Cuando manejas tu egoísmo de manera implícita, o sea, cuando padeces el síndrome del chico bueno, solo conseguirás mierda. Los chicos buenos no son chicos buenos, son maricas. Ellos quieren las mismas cosas que los tipos explícitamente egoístas quieren, dinero y mujeres, pero están demasiado asustados para salir y reclamarlo, entonces siguen siendo buenos y creen que ello les va a redituar. Pero eso no sucede, y nunca sucederá. ¿Lo quieres? Tómalo. ¿Quieres comer mierda? Sé un chico bueno.

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Escucho a esa clase de perdedores todo el tiempo: “Si tan solo ganara la lotería…”, “Si tan solo tuviera una oportunidad…”, “Pronto llegará mi día de suerte…” y bla, bla, bla. Yo no espero que me regalen nada. Si yo quiero algo, puedes estar seguro de que iré a por ello. Juega tu estúpida lotería, aplástate en tu estúpido sillón, frente a tu estúpida televisión, y sigue poniendo tus estúpidas excusas. Alguien más está allá afuera, pateando culos, y tomando lo que le corresponde.

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Las universidades son centros de adoctrinamiento de izquierda, y están llenos de idiotas engañados. Tú debes educarte a ti mismo. Cualquier maldita cosa que quieras aprender, puedes aprender. Tú no necesitas perder el tiempo estudiando “Estudios de la Mujer” para aprenderlo. Cualquier jodida cosa está en internet, y gratis. Si tú quieres aprender algo, lo único que te limita eres tú mismo. Reitero. Todo lo que aprendes en la escuela es inútil si lo que quieres es ser un emprendedor, y lo que te corresponde es aprender tu propio giro.

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5.- La gente común añora “Los viejos buenos tiempos”. La gente rica sueña con el futuro.

Algunas personas lo llaman “planificar”, a mí me gusta llamarlo “visualizar”. Visualizar el futuro y cómo será. Mírate como quieres ser. Las cosas que pensamos tienden a hacerse reales (asumiendo que no eres un narcicista iluso)

Las cosas antes eran tan buenas…pero, hoy día…” Olvida esa estupidez y moldea tu horizonte del modo que quieras.


6.- La gente común mira al dinero a través de las emociones. La gente rica piensa de forma lógica sobre el dinero.

El dinero es una emoción para la gente pobre. Ellos siempre tienen “problemas de dinero”, y siempre se están quejando de ello. Por alguna maldita razón nunca tienen suficiente para pagar la renta, o abonar al auto, o incluso la jodida cuenta de la electricidad. He sido pobre muchas veces, pero nunca como para no poder pagar mis cuentas o para echarme a llorar. Olvida que el dinero es una emoción, es solo un maldito juego, hacer dinero. Piénsalo como si pensaras tus siguientes 15 movimientos en el ajedrez. No seas como esos idiotas que se la viven de cheque en cheque y nunca les alcanza. La solución es simple: si eres pobre, ¡MINIMÍZALO!

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No me gusta la palabra “pasión”, es una palabra más propia de una telenovela, el término correcto es OBSESIÓN. La gente rica sigue sus obsesiones hasta el límite de la Tierra, y aún más allá. Las personas promedio no pueden entender esto porque sus obsesiones se limitan a sus equipos de fútbol favoritos o a fumar mierda o cualquier otra estupidez. “La Semana Laboral de 4 Horas” es un simpático libro motivacional, pero no lo puedes tomar así, de forma literal. Si quieres ser exitoso en lo tuyo debes dedicar cada minuto pensando sobre ello, debes obsesionarte. No te detengas, no te rindas, no descanses siquiera, solo obsesiónate.

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Hey, viejo, no te preocupes por ello, no vale la pena. Esperas mucho, ¡solo siéntate a mirar!”

No tengo tiempo para esta clase de personas. No puedo entender cómo alguien puede tener una vida patética, libre de cualquier reto. Eso también se ve en el gimnasio. El Tipo A está asustado de ejercitarse de verdad, el Tipo B lo hace todo el tiempo. El Tipo B tendrá el cuerpo que desea por ello.

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9.- La gente común cree que hay que HACER algo para ser rico. La gente rica piensa que hay que SER algo para enriquecerse.

¿Qué tengo que hacer para volverme rico?”

¡Sé el hijo de puta que se hace rico!”

Sé un asesino, y ve por ello.


10.- La gente común cree que se necesita dinero para generar más dinero. La gente rica utiliza el dinero de otras personas.

Se los diré, muchachos, yo comencé a generar dinero SIN usar mi propio dinero. Ni un centavo. Si se quiere, se puede. Si de verdad lo quieres, si estás obsesionado con ello, entonces lo tendrás. Incluso si solamente tengas cien pesos, no importa.

No puedo generar dinero porque no tengo dinero”. Suena algo estúpido, ¿no?

Voy a generar dinero porque no tengo dinero”. Suena mucho mejor.


11.- La gente común cree que los mercados están impulsados por la lógica y la estrategia. La gente rica cree sabe que en realidad están movidos por la emoción y la codicia.

Me desesperan las personas que constantemente hablan sobre la lógica y la estrategia. “Me gusta la lógica. Me siento a gusto con las cosas razonables”. La lógica es solo una parte en el todo. Si tú miras todo lógicamente, no estás mirando el todo, y te diré porqué. La mayoría de las personas en el mundo no piensan de forma lógica, sino de modo emocional. Si tú les hablas de forma lógica, no te van a entender.

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De nuevo, esas personas no pueden pagar ni la cuenta del teléfono a fin de mes. Vive como un espartano. Siempre ten un sobrante de dinero. Mierda, vivo como rey y apenas si gasto dinero. Soy capaz de vivir muy bien debido a un pequeño concepto: “Geo-Arbitrage” Gano en dólares, gasto en baht, y nada más. Mi gasto mensual es mínimo. No gasto mucho en la renta de mi departamento con alberca, ni en las cuentas de agua y electricidad, ni en el internet, ni el la membresía del gimnasio, ni en mi empleada doméstica, ni en el mantenimiento de mis sitios web. Fácil, espartano, simple y limpio. Incluso, si es necesario, mis gastos se pueden reducir aún más. Gasto menos dinero para vivir ahora, que lo que gasto para pagar la hipoteca.

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17.- La gente común se preocupa por ahorrar. La gente rica se preocupa por generar.

¿Cuántas personas te han hablado de los maravillosos beneficios de ahorrar para el retiro, y de cómo podrás vivir como rey cuando tengas 65 años? Sin embargo, ninguna de esas personas parece tener esa edad, ¿curioso, no? ¿Será que no tienen idea alguna sobre las tonterías que dicen? Yo he elegido vivir como un rey justo ahora. Soy egoísta e impaciente. Para poder solventar mi estilo de vida tuve que renunciar al jodido trabajo que tenía y enfocarme en generar, en ganar. Ha sido la mejor decisión que he tomado en la vida.

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18.- La gente común maneja su dinero con prudencia. La gente rica sabe cuándo tomar riesgos.

Me he percatado de que cuando asumo grandes riesgos, riesgos que me producen náuseas, diarrea y ansiedad por varios días, éstos tienden a ser muy redituables para mí. Por alguna maldita razón cuando arriesgo mi dinero, muchas veces, casi siempre, regresa con ganancias. Cuando no tomo riesgos, cuando me aferro al dinero que tengo, lo tiro y termino quebrado. No puedes realizar nada sin asumir un riesgo.

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19.- La gente común ama sentirse cómoda. La gente rica encuentra comodidad en la incertidumbre.

La gente ordinaria no quiere hacer otra puta cosa que no sea comer bocadillos mientras mira la televisión. Desperdiciando sus días de nueve a cinco, y desperdiciando sus noches frente a la TV, en su sillón reclinable con una bolsa de papas fritas al lado. Eso es agradable para algunos, yo lo encuentro miserable. Personalmente, odio la relajación, me parece una total pérdida de tiempo.

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20.- La gente común nunca podrá entender la conexión entre dinero y salud. La gente rica sabe que el dinero puede salvar su vida.

Lo importante es que tenemos salud”.

Esta frase siempre me hace reír un poco. Lo que en realidad significa es: “Mi vida es terrible, pero por lo menos sigo vivo”. Prefiero estar muerto a vivir con seguridad social. Prefiero estar muerto a vivir bajo renta fija y confiar en el gobierno para que me de mis pastillas.

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No solo el dinero te da tranquilidad, que puede salvar tu vida de la hipertensión arterial y el estrés, pero también éste compra buenos tratamientos médicos y las mejores medicinas.


21.- La gente común cree que debe elegir entre una gran familia y ser rico. La gente rica sabe que las dos cosas son posibles.

Las personas comunes son forjadoras de excusas: “Preferí formar una familia que dedicarme a los negocios”. Pendejadas. Eliges la mediocridad porque eres mediocre. Te la pasas engañándote a ti mismo, pero puedo ver a través de tus mentiras en un kilómetro a la redonda. Si no fueras mentiroso, tu familia sería tu mayor motivación para una vida mejor. La familia no es una carga ni un obstáculo para hacer dinero, más bien es una excusa para ser perezoso y resignarse a un trabajo. La gente rica quiere más de su vida, y va a por ello. Exige, sobre todo a ti mismo, y tu calidad de vida mejorará. Exige más de la gente con la que te relaciones, y tendrás más. Exige más de las personas con las que generas dinero, y tendrás más. Si no juegan tu juego, que se jodan, siempre podrás encontrar a gente que sí quiera jugarlo. Hay todo un mundo esperando allá afuera a ser tomado. Sé un hombre y tómalo.


Original publicado en Bold & Determined: The 21 Rules of the Rich (and how you can emulate them)

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