“A masterpiece! The Wealthy Code continues 1 where others leave off!” Isn’t It Time YOU Became Wealthy? JIM BRITT, Peak Performance Coach, Author of Do This. Get Rich! This is the story of how a very wealthy man shared with the author the practical secrets to becoming wealthy. The story reveals the code the wealthy use and unveils the details of the code. It gives readers the ability to understand wealth, to build wealth, and ultimately, to become wealthy. t This simple, easy-to-understand book walks you through advanced and h powerful concepts that can help you become wealthy. e In this book, you will discover: E E GIFTS W R • How to use leverage the correct way to F e become wealthy • Which vehicles to use to help you retire sooner See Pages a • Why many investors are wasting their time 161-162 lt h • That using leverage the wrong way can y be devastating • The importance of “wealth pairs” and “equity pairs” C • That you need to focus on cash flow when everyone else is focused on o capital gains d e “I have read hundreds of books on becoming wealthy. This tops them all. Brilliant!” —Willie Hooks, CEO of Million Dollar Coaching “Absolutely amazing! I use the same secrets to generate double-digit returns for my investors. Now the secret is out!” —John Taylor, CEO & Investment Manager, NorCal Capital Management What the Wealthy Know About Money George Antone is a successful investor, educator and entrepreneur. His portfolio That Most People Will Never Know! includes real estate holdings and several successful businesses. He has trained thousands of wealth-builders nationwide and is committed to transforming the financial lives of individuals around the world. BUSINESS / PERSONAL FINANCE Whatever happened to the lifestyle we dreamed of having? A stress-free life without the hassles of bills and the frustrations of a job. This book contains the secrets the A wealthy use to achieve that lifestyle. Isn’t it time you become wealthy? N T TheWealthyCode.com O GEORGE ANTONE N E The Wealthy Code By George Antone MPactWealth.com/TWCBook SECOND EDITION Copyright © 2014 by George Antone. All rights reserved. No part of this book may be reproduced or transmitted in any form or by any electronic or mechanical means, including information storage and retrieval systems, without permission in writing from the publisher, except by a reviewer, who may quote brief passages in a review. Printed in the United States of America Book design by The 750 Shop Cover by Alejandro Espinosa Certain events in this book, although based on a true story, have been fictionalized for educational content and impact. Rich Dad Poor Dad, The Cashflow Quadrant, and CASHFLOW® are the registered trademarks of CASHFLOW Technologies, Inc. ISBN: 098270450X This publication is designed to provide information with regard to the subject matter covered. It is sold with the understanding that the publisher and author are not engaged in rendering real estate, legal, accounting, tax, or other professional services and that the publisher and author are not offering such advice in this publication. If real estate, legal, or other expert assistance is required, the services of a competent professional should be sought. The publisher and author specifically disclaim any liability incurred from the use or application of the contents of this book. I dedicate this book to my family. My parents: Emile and Jacqueline. You taught me that I can achieve anything I believe. That lesson shaped my life. You have been my greatest inspiration. My uncles: Antoun, Rene, and Raymond. You helped me and my brothers in time of need. You gave us an opportunity very few get. The words “thank you” just don’t say how appreciative we are. My brothers: Emile and Farid. You have always been supportive, no matter how crazy my ideas were. Finally, my wife Clara and our children: Emile, Amanda, and Christine. Thank you for being the greatest family anyone could ask for. You mean the world to me. This is for you. Table of Contents Acknowledgments ........................................................................vii Foreword .......................................................................................ix CHAPTER ONE: Robert Kiyosaki Changed Many Lives ...............3 CHAPTER TWO: It Started One Sunny California Day ................11 CHAPTER THREE: Dissecting Leverage .....................................21 CHAPTER FOUR: Calculating Leverage .....................................31 CHAPTER FIVE: Maximizing Your Cash Flow .............................39 CHAPTER SIX: Maximizing Your Net Worth ...............................53 CHAPTER SEVEN: Maximizing Both Cash Flow and Net Worth .............................................................................63 CHAPTER EIGHT: Managing Risk ...............................................67 CHAPTER NINE: Structuring Safer Down Payments ..................85 CHAPTER TEN: The “Best” Leverage .........................................93 CHAPTER ELEVEN: I Finally Got Leverage ...............................119 CHAPTER TWELVE: Applying Wealth Strategies......................123 CHAPTER THIRTEEN: The Appreciation Column .....................143 CHAPTER FOURTEEN: Wealth Farmer.....................................149 CHAPTER FIFTEEN: Conclusion ...............................................157 Resources .................................................................................161 Index ..........................................................................................163 v Acknowledgments “If I have seen further than others, it is by standing upon the shoulders of giants.” Sir Isaac Newton wrote those words in 1676. They also apply to me today. Many people before me have written books that open our eyes and challenge our beliefs. These authors change people’s lives. I am grateful to them. I also want to recognize those I work with at MPactWealth.com for always pushing me to do better. Likewise, thanks to my many business partners who have pointed me in the right direction: Gary Boomershine, Haider Nazar, and Phong Dang—you guys absolutely rock! Stephanie May—I would not be where I am without your help. Mark Peters—you are simply an amazing human being. John Taylor—you definitely rock! Anthony Chara—thank you for being the most trustworthy person I know, at least in Colorado! Swanee Heidberg—thank you for allowing me to hassle you with this book and everything else I am working on. Mami Yamajo—I cannot do anything without you either. Tim McGilberry—thanks for believing in us. The rest of the MpactWealth crew—it is a pleasure to work with all of you. Vadim—welcome aboard. Phil Brothers— hang in there, buddy. Jim Britt—it’s great working with you. My mentor who prefers not to be mentioned—you are an inspiration; I have learned a lot from you. My in-laws—thank you for all that you do. My students—you have made me want to excel and be the best I can be. Thank you. vii Foreword If you’re working harder and harder just to make ends meet, then it could be that you’re making one or more of the mistakes made by most people who search for a better financial future. The one element the wealthy of the world have in common is how easy it was for them to succeed financially when they finally understood how the moneymaking system works. The problem is, this is training you never received in high school, college, or on the job. Until now, only the lucky few had a family member or close friend who shared these wealth-building insights, or perhaps the lucky ones simply stumbled upon them by trial and error. Not a good way to plan your financial future. I know the author of this book, George Antone. I’ve seen him work. I know the kind of results he produces for those who attend his wealth-building classes. Right now, you hold in your hands an unprecedented opportunity to tap into some proprietary wealth- building concepts and strategies from one of today’s brightest wealth masters. If you apply this information, it could set you free financially. George has been empowering middle-income individuals with a desire for more, to become wealthy—and even financially successful people to become super wealthy—by making the right investments at the right time. Now, for the first time ever, George is offering you what he teaches at his wealth-building events. Not only are you going to receive some of the secrets of the wealthy, you’ll also be inspired by some of the personal stories he shares. The most amazing thing about wealth is how easy it is to attain once you know the rules of the game and play by those rules. Can ix