How To Become Insanely Rich You Won’t Know What To Do With Money

Admit it.

You want to be rich, insanely rich, really. That’s why you’re here.

You dream of the day that you live in a mansion that’s worth millions in the front courtyard alone. The day that you drive a neon red Lambo going to work and a deep dark blue McLaren while club-hopping on a Tuesday night. You wonder when can you ever travel on your own private jet ala Dan Bilzerian and spend weeks in the most posh hotels Tripadvisor has ever reviewed. You imagine the day that you buy face powders made of gold and clothes that (you hope) make you look like Kim Kardashian or Kanye West, or a little bit of both.

You wish it all happens soon. If you’re in your 20’s right now, you wish you’re that rich before you even turn thirty years old. But of course, the single most important question that lurks in the back of your mind is this,

Is that even possible?

It totally is. You just have to learn from the ones who already made it. And this article is just a short summary of everything you need to learn and emulate from the insanely rich people that are already living the life that you always dream of living yourself.

So pay attention. Because this might help you achieve your dreams even a lot sooner than you even want to.

Or, make you realize that you already do.

1. Be Totally Clueless of your Finances

This is the utmost basic thing insanely rich people do (or don’t?). Not only that they don’t categorize their expenses, they never record them at all. Not on a daily basis. Not even on a monthly basis. Not ever.

If they never do it, why would you?

Let’s be honest. What positive result can you possibly see if you did? If you tried it even just for a month? It’s not like you’ll be able to monitor your expenses on a regular basis when you record them. It’s not like it’s possible to keep tabs on which of your habits make you overspend when you know how often you buy things. And it’s very unlikely that you will be able to suppress the urge of having another sumptuous dinner for the third straight night when you constantly see that your “Eating Out” expense for the month is already almost as fat as you.

More so, how and where the hell would you even record your expenditures? You wouldn’t want to write them on a journal one by one. You wouldn’t want to jot them down on your smartphone either. I know because I wouldn’t. If only there was an app called Wallet or Spendee that actually makes it so conveniently easy and useful to record every outlay of cash or swipe of your card. Unfortunately, there’s no such app. Even if there was, I bet dollars to donuts it’s free.

Rich people never use free apps though. And to become insanely rich yourself, avoid them too, at all cost.

2. Shop ’Til You Drop

Insanely rich people does this the best. They not only scratch the retail itch, they crave having new and shiny things. Be it clothes, shoes, bags, cameras or phones, you brand-name it.

They just can’t stand wearing their old clothes over and over again. There has to be something new every now and then. They love closets overflowing with Mangos and Bananas and shoe racks stacked with NBA superstar swoosh kicks. And everything has to look differently. Sometimes it has to be really expensive to completely relieve themselves of the itch. Only, the itch never really goes away.

And to them, that’s perfectly fine.

After all, what rich, sane person would want to give the impression that he’s poor because he wears the same articles of clothing week in, week out? Because he’s used the same phone for more than two years?

No one. Right?

Oh my God. What an awfully cheap-looking shirt.

I mean, look at Mark here. He wears ordinary clothes everyday and his closet is full of the same plain and boring shirts and sweaters. I even heard they were cheap.

Why is he like that? Why does he choose not to buy clothes he doesn’t need? Well, the answer is obvious. We can easily conclude, based on the clothes he wears and his fashion sense (or lack thereof) that Mark, is indeed poor. In fact, he is so poor that if Forbes had a list of World’s Poorest Men, he’ll probably be precisely 5th on it.

And this is the guy we should totally avoid imitating.

Don’t be like Mark. Buy things you want even if you don’t need them. Buy brand-spanking-new things. Always the expensive ones. “Upgrade” your phone every year. Have multiple phones even. You need that new, mind-blowing, game-changing, life-altering feature. Get a tablet too while you’re at it. It will improve your life so much that you wouldn’t even notice the improvement.

Don’t worry if you can’t afford to buy them in cash at the moment. There are other ways. And remember, an insanely rich man once said,

“If money can’t buy happiness, credit cards can. You can even pay in installments”.

No hidden charges as well, if I may add.

3. Have Your Own Car

Why not? You’re already in your 20's. At this point, you’ve already worked your ass off for a few years. You’re probably on a managerial position by now. And say, even if you’re still on a senior level or lower, you already deserve it.

To be honest, it’s not even a question of do you deserve it. The question is, can you afford it?


Remember those monthly overtime pays and yearly bonuses you barely managed to save since you started providing for yourself? That hard-earned bundle of cash you exchanged for the sweat and tears you squeezed from your body when work was just too much to bear? Yeah, flush all of it down the car dealership drain.

For the upfront, “drive-the-car-home-today”, down payment, I mean.

Besides, you already had a few salary raises in the last couple of years. At this point, your salary is probably so big already that only half of your take home pay would go to the monthly amortization of your car loan and all the expenses that go along with having one. Only half. Imagine that.

Now imagine if it’s actually more.

Don’t even second guess if it’s practical to have your own car right now. It’s not like you live and work in a city where you can find cheap modes of transportation going to and from work on a daily basis. And I’m sure there are a lot of parking spaces there to safely park your “baby” at and they only cost a few bucks a day. Which you’ll willfully pay, to keep your “baby” safe, of course.

But you know what’s the best excuse to buy a car in your 20’s? It’s because you’re single, probably without kids. And you’re young and you have to look successful accordingly. Having a car is the perfect way to look like it because our society believes so. Oh the wonders societal pressure can bring.

You shouldn’t buy a car because you have a kid to send to school or a husband or wife to pick up from work every single day. Or because you can actually save money in having it instead of giving everyone in the family their own transportation allowance.

No. That’s exactly not why you should buy a car.

You should buy a car to look cool. And to show people that as young as you are, you already can.

So stop hesitating. Insanely rich people never dilly dally in this thing. They jump right in. And you should too. To help you out in your decision-making, here are a few simple steps you can follow;

Step 1: Convince yourself that you need a car. Remember, it’s your childhood dream.

Step 2: Actually buy the car, then post a picture of it on social media because it’s a symbol of your early “success”.

Step 3: Name your car please, would you? This step is totally required.

Step 4: Convince yourself again that it’s an absolute necessity every succeeding month while you’re two hours stuck in traffic and the thought of having a nap on commute instead, keeps on teasing you. Just remember to ignore it and all of the thoughts that keep bothering you asking what the hell were you thinking when you bought the car.

You couldn’t be any happier driving your own. Always tell yourself that.

4. Live in the Fanciest Place You Can Afford

This is Mark Cuban. He’s a bartender.

Let me tell you a story about another guy named Mark. Mark, in his 20's, refused to have his own house or condominium unit. He even refused to rent a decent place on his own. Maybe because he couldn’t afford it. Or he just loves living with a bunch of dudes. I don’t know. All I know is that the loser that he was, he crashed on couches and even literally slept on the floor sometimes when couches were fully booked.

And guess what good came, if there was any, from all those nights he sacrificed not having his own flat? Not having his own king-sized bed with comforters to bury his face into after a long and tiresome eight hour shift? Let alone not having a poolside bar in the rooftop to chill in every Saturday afternoon?

None. All of it were utter waste.

He’s in his 50’s now and he’s still the same old champion-less sucker who hasn’t seen an NBA game in his entire life, not even once. Heck, he doesn’t even know what Dallas Mavericks means or who Dirk Nowitzki is up to now (you know who Dirk is, right?).

The moral of the story? Don’t be like Mark. To become insanely rich, have your own place, your own “sanctuary”, if you may, as soon as possible. Rent one as soon as you can and rent it independently. Why share a room with anyone?

Better yet, buy the place so you can say you actually own it. You only need to pay the mortgage for 10 years at the very least anyway. So no worries there. And make sure it’s as fancy as you want it to be. Look for the nicest facilities, bath tubs, carpeted floors, expensive furniture and high-end appliances. You deserve all of that. You’re already in your 20’s, you deserving millennial.

A simple rule of thumb to follow is this, if it costs an arm and a leg already, look for another that’s worth hacking the other arm for.

5. Avoid Investing By All Means

“Old men are always advising young men to save money. That is bad advice. Don’t save every nickel. Invest in your self. I never saved a dollar until I was forty years old.” — Henry Ford

And neither should you.

But if you already “invest in your self”, here’s a pat on the back (by invest, of course I mean items 1 to 4). And if you know what you’re doing and you “invest in yourself” so automatically, that you don’t even think about it anymore, then you probably don’t have much money left to invest anyway. So you got this part covered.

Great job. Astounding, even.

And speaking of jobs…

6. Hope

If there was one reason why the insanely rich is as rich as they are, it’s because they have hope. This is what separates the young twenty year old’s who are already living the dream and the losers who can’t even afford a new iPhone every year. If there was one lesson we should learn from them, one habit we should emulate and apply in our own lives, this is it.

Hope. Hope that your job actually makes you rich.

Hope that tomorrow, your boss will give you the opportunity to work on a project that could potentially net you serious cash incentives or at the very least a good reputation, without you even putting in the work first or having the guts to ask for opportunities.

Hope that next year, the company performs meteorically well that every employee is given exponential salary increases and bonuses on top of each other, without you even knowing how to contribute significantly in the company’s growth.

If you’re thinking big, then hope that before you even turn thirty years old, you become an executive in your company because you know that you’re THAT good and of course, because you feel you deserve it.

Or perhaps, think on a grander scale.

Hope that you become the CEO of your own company that makes millions, without even having the slightest idea of what it could be or without even doing what it really takes.

But whatever it is that you are hoping for, the key here is, always hope for something. The best thing about hoping is that there are no costs and returns are miraculous. So hope as often as you can. Hope every morning you wake up. Hope on your way to work. Hope while you’re actually working. And of course hope before you go to sleep. That’s all you need to do.

Keep hoping.

(Sarcasm ends here) Conclusion

Of course, money is not the end-all and be-all of life, far from it. Yet, people chase money like it is life itself. What’s worse is that most of us chase the rich life while acting it out, hoping that the “Fake It ‘Til You Make It” mantra is going to do it for us. No, it’s not. It’s never going to be. Especially not for this. Most billionaires live way — WAY below their means. That’s how they got there anyway.

But I know that you know that. You get it now. You don’t need someone’s pitiful attempt at sarcasm and tongue-in-cheek humor to make you realize such a simple thing. You don’t need someone to tell you that the closer you think you are to your dream life, the farther you actually are going the other way.

You really don’t need to read this article at all.

Only the insanely rich people do.

I hope you enjoyed reading this little piece of mine. If you did, it would mean a lot to me if you can click that ❤ below. Thanks!

I’m Daryl Genesis Cruz and I write mostly about life, minimalism, and video games with my own flavor of humor and snark. If you like my stuff, feel free to follow me here and on twitter @thenthgen.

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