11 things to do in your 20s to become a millionaire by 30

"In a free-market economy, anyone can make as much money as they want," emphasizes self-made millionaire Steve Siebold, who has also studied over 1,200 of the world's wealthiest people. That applies to 20-somethings.

To help you reach the seven-figure mark by 30, we rounded up 11 pieces of advice from people who became millionaires at a young age and people who have studied hundreds of self-made millionaires.

We can't guarantee millionaire status, but doing these things won't hurt your odds:

1. Focus on earning

"In today's economic environment you cannot save your way to millionaire status," writes Grant Cardone, who went from broke and in debt at 21 to self-made millionaire by 30. "The first step is to focus on increasing your income in increments and repeating that.

"My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money, and it will force you to control revenue and see opportunities."

Earning more money is often easier said than done, but most people have options. Read about 50 ways to bring in additional income, some high-paying jobs you can do on the side, how you can earn passive income, and the first step to take before starting any business, from an entrepreneur who earns up to $170,000 a month.

David Ramos/Stringer/Getty Images

2. Develop multiple streams of income

One way to earn more is to increase your streams of income.

In author Thomas C. Corley's five-year study of self-made millionaires he found that many of them develop multiple streams of income: 65% had three streams, 45% had four streams, and 29% had five or more streams.

These additional streams include real-estate rentals, stock market investments, and part-ownership in a side business.

"Three streams of income seems to be the magic number for the self-made millionaires in my Rich Habits study, but the more income streams you can create in life, the more secure will your financial house be," he writes.

3. Save to invest, don't save to save

Writes Cardone:

"The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access."

Investing is not as complicated or daunting as we make it out to be. The simplest starting point is to contribute to your 401(k) if your employer offers one, and take full advantage of your company's 401(k) match program — which is essentially free money — if it has one.

Next, consider contributing money toward a Roth IRA or traditional IRA, individual retirement accounts with different contribution limits and tax structures — which one you can use depends on your income. If you still have money left over, you can research low-cost index funds, which Warren Buffett recommends, and look into the online-investment platforms known as "robo-advisers."

The key to consistently setting aside money is to make it automatic. That way, you'll never even see the money you're contributing and you'll learn to live without it.

Alan Crowhurst / Stringe / Getty Images

4. Be decisive

"Avoid decision fatigue," writes Tucker Hughes, who became a millionaire by 22. "Attention is a finite daily resource and can be a bottleneck on productivity. No matter the mental stamina developed over time, there is always going to be a threshold where you break down and your remaining efforts for the day become suboptimal.

"Conserve your mental power by making easily reversible decisions as quickly as possible and aggressively planning recurring actions so you can execute simple tasks on autopilot. I know what I am wearing to work and eating for breakfast each day next week. Do you?"

Hughes isn't the only one who believes in developing decisiveness. After studying over 500 millionaires, journalist and author Napoleon Hill found that they all shared this quality.

"Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly," Hill wrote in his 1937 personal-finance classic "Think and Grow Rich."

5. Don't show off — show up

"I didn't buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income," writes Cardone. "I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy."

Need inspiration to save more and spend less? Read up on tips and strategies from regular people who saved enough of their incomes to retire before 40.

Chris Jackson/Getty

6. Change your mindset about money

"Getting rich begins with the way you think and what you believe about making money," self-made millionaire Steve Siebold explains.

At the end of the day, "The secret has always been the same: thinking," he emphasizes. While the masses believe becoming wealthy is out of their control, rich people know that making money is really an inside job."

7. Invest in yourself

"The safest investment I've ever made is in my future," writes Hughes. "Read at least 30 minutes a day, listen to relevant podcasts while driving and seek out mentors vigorously. You don't just need to be a master in your field, you need to be a well-rounded genius capable of talking about any subject whether it is financial, political or sports related. Consume knowledge like air and put your pursuit of learning above all else."

Many modern-day successful and wealthy people are voracious readers. Take Warren Buffett, for example, who estimates that 80% of his working day is dedicated to reading.

Julian Finney/Getty

8. Ditch the steady paycheck

Rich people are typically self-employed and determine the size of their own paycheck, Siebold writes: "It's not that there aren't world-class performers who punch a time clock for a paycheck, but for most this is the slowest path to prosperity, promoted as the safest. The great ones know self-employment is the fastest road to wealth."

While the world-class continue starting businesses and building fortunes, average people settle for steady paychecks and miss out on the opportunity to accumulate great wealth.

"The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearly pay raises," Siebold says.

9. Set goals and visualize achieving them

If you want to make more money, you have to have a clear goal and then a specific plan for how to achieve that goal. Money won't just appear — you have to work at it.

Rich people choose to commit to attaining wealth. It takes focus, courage, knowledge, and a lot of effort, self-made millionaire T. Harv Eker emphasizes, and it's possible if you have precise goals and a clear vision: "The number one reason most people don't get what they want is that they don't know what they want. Rich people are totally clear that they want wealth."

Alan Crowhurst/Getty

10. Start hanging out with people you admire

Andrew Carnegie, who started with nothing before becoming the richest man in the US, credits all of his riches to one principle: the Master Mind.

The idea is to surround yourself with talented people who share your vision, because the alignment of several smart and creative minds is exponentially more powerful than just one.

Plus, we become like the people we associate with, which is why the rich tend to associate with others who are rich.

"In most cases, your net worth mirrors the level of your closest friends," explains Siebold. "Exposure to people who are more successful than you are has the potential to expand your thinking and catapult your income. The reality is, millionaires think differently from the middle class about money, and there's much to be gained by being in their presence."

11. Shoot for $10 million, not $1 million

"The single biggest financial mistake I've made was not thinking big enough," writes Cardone. "I encourage you to go for more than a million. There is no shortage of money on this planet, only a shortage of people thinking big enough."

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there's difference between knowing & understanding

there's difference between knowing & understanding

Guys! Take time to read this! A REAL BOYFRIEND Don't care if you have a boyfriend or girlfriend right now.
I don't care if you are a guy or a woman. Just read this, it will make a difference. If only everyone could see this and understand it.

When she stares at your mouth Kiss her

When she pushes you or hits you like a dummy cause she thinks shes stronger than you , Grab her and don't let go
When she starts cursing at you trying to act all tough, Kiss her and tell her you love her
When she's quiet , Ask her whats wrong
When she ignores you , Give her your attention
When she pulls away, Pull her back
When you see her at her worst , Tell her she's beautiful
When you see her start crying , Just hold her and don't say a word
When you see her walking ,  Sneak up and hug her waist from behind
When she's scared , Protect her
When she steals your favorite hoodie , Let her keep it and sleep with it for a night
When she teases you , Tease her back and make her laugh
When she doesn't answer for a long time , reassure her that everything is okay*
When she looks at you with doubt , Back yourself up
When she says that she loves you , she really does more than you can understand
When she grabs at your hands , Hold her's and play with her fingers*
When she bumps into you; bump into her back and make her laugh
When she tells you a secret , keep it safe and untold
When she looks at you in your eyes , dont look away until she does
When she says it's over , she still wants you to be hers*
When she reposts this bulletin she wants you to read it
When she's mad , hug her tight and don't let go
When she says she's ok . don't believe it , talk with her because 10 yrs later she'll remember you*

- Stay on the phone with her even if she's not saying anything*
- Call her at 12:00am on her birthday to tell her you love her
- Treat her like she's all that matters to you*
- Stay up all night with her when she's sick
- Watch her favorite movie with her or her favorite show even if you think it's stupid
- Give her the world.
- Let her wear your clothes
- When she's bored and sad, hang out with her
- Let her know she's important*
- Don't talk about other girls around her
- Kiss her in the pouring rain
- When she runs up to you crying, the first thing you say is: "Whose ass am i kicking baby?"*

Girls Facts... porle khoti nai :)

Girls Facts... porle khoti nai :)

October 31, 2014 at 11:05pm

Girls don’t always say what’s really on their mind.

More often than not, what a girl says is not what’s really on her mind. This is because she wants a guy to chase after her and try to find out what she really means. Going after a girl really makes her feel like you care enough about what she’s really thinking. If you really want to know what’s on her mind, focus on the hints she drops. Also, focus on what she’s not saying – read her body language. You can take a course in body language for relationships.

Girls always think they could look prettier.

Twenty-first century media has presented an image of women who are thin, flawless, and sexy. Not all women come in such a perfect package, and girls frequently feel like they fall short of this distorted view on a woman’s beauty. You should always make sure your girl knows that she’s beautiful. Take an interest in her outfit, and compliment her natural beauty.

Feelings

Girls are the more emotional of the genders, but they also tend not to say anything about how they truly feel. They’ll say the opposite of what they’re really feeling, and their emotions have a tendency to get away from them. Here are a few key facts to look out for when trying to decide how your girl is feeling.

Girls will often answer “Are you okay?” in the opposite way of how they really feel.

Yes, movies joke about the ominous answer of “I’m fine” when a man asks her girl if she’s okay. Chances are, if the two of you were recently fighting, she doesn’t feel like things are settled. Your best bet for translating “I’m fine” is to think of it as, “How do you think I feel after that, you jerk?” Always try to figure out what you can do to really make things better between the two of you because girls will let things fester, and a small argument will turn into a huge blowout.

Girls usually get embarrassed far more easily than men.

The one thing you never want to do when your girl is embarrassed is tell her that it’s no big deal. It’s a big deal to her, and that’s all that should really matter to you too. Just listen to her, and try to understand why she was so embarrassed. Showing that her feelings are important to you will definitely win you brownie points in her eyes.

Girls will frequently answer “What’s wrong?” with “Nothing,” which is usually a lie.

One of the best ways to find out if she’s lying is to read her body language. If she’s smiling and seems relaxed, she’s serious when she means nothing’s wrong. However, if she looks tense, and she’s refusing to look at you or avoiding contact, it means that something is in fact wrong. Try to talk to her, and ask her about it. Letting her fester will only make the problem worse. Take a course in communication to help you talk to your girl.

Girls have strong emotions.

Don’t ever break your girl’s heart. If you do, things will never completely be the same again. Just as her strong emotions can be a bad thing if you make a mistake, however, they can work to your advantage if you’re a good guy. Maybe you have a stutter that you’re nervous about, or you might not really understand style. Your girl will completely overlook those small flaws because she’s in love.

Desires

Pleasing your girl could be very simple. They love nicknames and gifts, but they also love taking care of their guy. Here’s some more information on making a girl happy by fulfilling her desires. Create deeper connections with an online course.

Girls love nicknames.

You probably have a nickname for your girl already, and she more than likely loves it when you call her by it. If you don’t have one yet, keep these tips in mind. Avoid a nickname that puts her on a pedestal like “angel” or “princess.” Cute names like “baby” or “snuggle kitty” almost always win out over sexy nicknames.

Girls just want a shoulder to cry on.

When it comes to her problems, don’t always try to fix them. Sometimes, she just wants you to listen. If you keep telling her how she can make it better, you’re probably just going to irritate her. She’s not in the mood for a solution right now; she just wants to vent. Let her vent, or she’ll take her frustrations out on you instead.

Girls love doing things for their guys.

It is a rare girl that doesn’t want to take care of her partner. She probably buys you things, and she gets just as much joy getting it for you as you do in receiving them. If she cooks for you, it’s because she wants to. Don’t think that she feels obligated to take care of you; she just wants to do it to show you how much you mean to her.

Girls want a guy who will put them first.

Does your girl love to dance? If she asks you to dance, do it. Whether you know how to or not, she’s going to be touched that you set aside your own comfort for the sake of her happiness. Be protective of her, but don’t be jealous. Just because a guy is flirting with your girl doesn’t mean she’s going to run off with him. She’s probably just being polite. Take every chance you get to just cuddle your girl and show her affection.

Girls want gifts.

Buying your girl a gift is a great way to show you care, but don’t think that she’s a gold digger because she wants some material object. Your gift doesn’t even have to be expensive as long as it’s from the heart. Buy her a butterfly key chain because you remembered how much she loves butterflies. It might have only cost you $5, but it’ll be precious to her.

সম্পর্কে যতই মতবিরোধ হোক, মানুষের সঙ্গে থাকার একধরনের যে সাহচর্যের আরাম আছে

“একটি একা মেয়ে ইচ্ছে করলেই বাজার যেতে পারে, ডাক্তার এর সঙ্গে দেখা করে ওষুধ আনতে পারে । কিন্তু এসব করণীয় কাজ কেউ আন্তরিকতার সাথে করে দিলে একধরনের আরাম হয় । মনের আরাম । অলোকের কথা মনে পড়ে গেল তার ।ইচ্ছে করলেও মানুষটাকে ভুলে থাকতে পারেনা সে । সম্পর্কে যতই মতবিরোধ হোক, মানুষের সঙ্গে থাকার একধরনের যে সাহচর্যের আরাম আছে --- এ সবই এই একজীবনের জন্য মনের গায়ে গাঁথা হয়ে রইলো । অলোক আর কিছু না হোক খুব ভালো বন্ধু হয়েও তো থাকতে পারত ।” 
― Samaresh Majumdar

উত্তর মেরু যদি দক্ষিন মেরুর প্রেমে পড়েই যান...

" আজ একটা ব্যাপার realize করলাম। আমি আগে অনেক ভাবতাম যে কেন ছেলেমেয়েরা এক সম্পর্ক থেকে আরেক সম্পর্কে এতো ডিগবাজি খায়। আসলে শুধু ছেলেমেয়েরা না, বড় মানুষরাও। বড় মানুষরা in fact আরও বেশী।
ে ২৪ ঘণ্টা কি কারো প্রশংসা করে যাওয়া সম্ভব? সে রবীন্দ্রনাথ হলেও তো সম্ভব না।

তাই কিছুদিন পর যখন আমাদের আরেকটা নতুন মানুষের সাথে পরিচয় হয়, সে যখন আমাকে চিনতে শুরু করে আমার ছোট ছোট বিষয়গুলো তাকেও মুগ্ধ করে এবং যথারীতি সেও আমার প্রশংসায় পঞ্চমুখ ষষ্ঠমুখ সব হয়। আমাদের তখন স্বভাবতই মনে হয়, "আরেহ! এই নতুনজন তো আমাকে বেশি care করছে।" আর তখনি আমরা ডিগবাজি দেই। কারন দুনিয়ার সবচেয়ে বড় সত্য - মানুষ নিজেকে সবচেয়ে বেশি ভালবাসে। তাকে যে ভালবাসে সেও তাকেই ভালবাসে। সমাধান কি?
সমাধান হল - মন খুলে, হৃদয় খুলে, দরজা-জানালা সব খুলে প্রশংসা করে যান। শুধু একজন না, দুইজনই, সমানভাবে। মিথ্যে প্রশংসার প্রশ্নই আসছে না কারন যদি মিথ্যে প্রশংসা করতে হয় তাহলে ডিগবাজিই উত্তম। আমি বলছি express করার কথা।
আচ্ছা এটার তো একটা সমাধান হল। কিন্তু যদি এমন হয় - একজন introvert আর আরেকজন extrovert? একজন extreme introvert আর আরেকজন extreme extrovert? একজন ভালোবাসা প্রকাশই করতে পারে না, আর আরেকজন পৃষ্ঠার পর পৃষ্ঠা লিখে ফেলে? Then you are in serious trouble.
মানুষের basic কিন্তু বদলায় না। তাই যখন দুইজন introvert একসাথে থাকবে, তারা বুঝবে যে আমার partner আমাকে ভালবাসে কিন্তু সে আমার মতোই অরকম নাটকীয়তা পারে না। কিন্তু একজন extrovert ভাববে, "আমি তো কত creatively ভালবাসি, সে কেন পারবেনা? তাহলে কি সে আমাকে ভালইবাসে না?"
হ্যাঁ, বিপরীত চরিত্রের প্রতি আমাদের আকর্ষণ অদম্য এবং আজীবন কিন্তু কষ্টটাও কিন্তু অবধারিত। তাই সবার প্রতি পরামর্শ - নিজের সাথে কিছুটা মিল আছে এমন মানুষকে বিয়ে করুন। আকাশ আর মাটি কোনদিন মিলে নাই, মিলবেও না। মেলানোর চেষ্টা করতে গেলে শুধু দিগন্তের মিথ্যে রেখার পিছনেই ছুটবেন......
আর আপনি উত্তর মেরু যদি দক্ষিন মেরুর প্রেমে পড়েই যান, তাইলে আর কি... ঠেলা সামলান। "

Parent's right over married daughter

Parent's right over married daughter