Andrew Carnegie (Knowledge)

Andrew Carnegie was one of the original business badasses.

He was a proud Scottish Man.   He had a beard.  He was a philanthropist.

Carnegie is a Rags-To-Riches story.  He started working at a young age and worked his way  up.         He was a master of telegrams and then he moved onto the railroads.

Eventually Carnegie became a Titan of Steel.

He was the first person during that time period to actually use …. SCIENCE when making steel.    During his time you had to rely on basically a “Witch Doctor” to know how to make steel within the steel (ball) machine.    He hired a CHEMIST to analyze the process and components of making steel.  It was revolutionary.

Carnegie is also known for his article “The Gospel of Wealth.”   It states that the wealthy have a duty to use their wealth to help the people of the world.   Crazy right?    That rich people should use their money for GOOD?      It was great.    The wealthy should thank the world for allowing them to earn their fortune.

Basically, Carnegie was the man.  I HIGHLY recommend his autobiography.  ANDREW CARNEGIE!

February 14th, DJ ROBO BISCUIT

Getting Started with Personal Finance


If you are totally new to the concept of Personal Finance or Financial Literacy, this is a good place to start.

Let’s just say you have 3 basic “levels” (the goal is to make it up to Super Saiyan 3 #Goku #BetterThanVegeta #DragonBallZ)

Many people live paycheck-to-paycheck.  You work all week for two weeks and then you get paid.  POOF!  The money is gone.  It has been spent.    Food, Car, House, significant other, fresh shoes, credit card payment, WHATEVER the money is gone.         You are stuck in a vicious cycle:   Work Work Work – get paid- money is all gone – Work Work Work        and so on and so on    until you are an old person ready to retire with no savings  and it is a PROBLEM.

People who are doing better than P2P (Paycheck-to-Paycheck) are able to save some of their money.      The Paycheck comes in and some of the money is put away into savings.  A lot of times the savings will be spent, possibly on a “nice family vacation” or perhaps on a college fund for the kids (A respectable expense).

If you want to master personal finance you want to get to Super Saiyan 3 level: Your Money Works For You.  The money that you have saved you have invested it.  Or the money that you use, it is involved in a business.   INVEST and/or CREATE PASSIVE INCOME!    Make your money while you sleep or make your money without having to go to work.    Being a Bestselling author is one way to do it.   Another way to do it is to be a YouTube star (see PewDeePie).   or REAL ESTATE!  (Rich Dad Poor Dad, Robert Kiyosaki).

This should be enough info to get you started.   The internet is full of material and content that educates about Financial Literacy.   A good guy to start will is Dave Ramsey or possibly even Tony Robbins (Famous Self-Help Guru).