It is intriguing to see who actually achieves the success that many people set out to attain. What factors determine a person's opportunity to attain financial freedom? Anyone can achieve financial freedom starting with the right mindset, ideally being a growth mindset. One can attain liberation from writing out how they will achieve their goals. These goals then need to be fulfilled by unwavering effort. For those who act and don’t quit will achieve financial success. The road to success has more roadblocks with every failure to do the above ideals. 

The starting point of having the goal to be financially free does not matter. Financially free for a big spender may be with millions of dollars. Another persons end goal could be sufficient with a mere fraction of that. This is a big reason that anyone can achieve financial freedom. Their success is only measured by themselves and not compared in quantity when seeing if they are achieving it or not. People often learn on this rout that financial freedom is not a thing of chance. It is not a get rich quick scheme. Rather, it is a way to get a sustainable income to live off of with little worry. That is not to say that the spending of those who are financially free is extravagant. At least not at the start. They must live below their means to be financially free. It may not be easy but everyone can do it if their reason is powerful enough. Individuals who are financially free have a consistent optimistic belief in the betterment of their situation. Whether it be from saving more, working more, or adding another source of income, these people implement a growth mindset. Their mindset enables them to be more effective, and give more to their goals because they believe in themselves. Belief however is not going to make or break you, action is. 

There are many ways to accomplish an unwavering focus (a crucial skill for success). One of the more prominent methods of attainment is writing out your goals. Whatever these goals are along the way to financial freedom, they should all be read or rewritten often. Written goals need to attain a paramount status carrying a sense of urgency that demands a call of action. It is important to identify a clear goal to avoid uncertainty. A multitude of sources agreed that setting definable milestones facilitates goal progression. This method makes daunting tasks seem easier to handle, and can act as a catalyst in achieving financial freedom. 

Once an individual defines the goals encompassed in attaining financial freedom, they can begin to take steps towards achieving them. Most people fall short of action by submitting to their excuses. The wrong mindset can feed excuses continuing their current struggle. Those who conceit to failure assure themselves that they are incapable of achieving their goal. One needs to be in a profitable basis to achieve financial freedom.

I was lead to believe that most people have the knowledge to become financially free but they lack the effort to act on it. A recent study by professors from the University of Pennsylvania shows this may not be the case. It said that nearly half the people in America did not know concepts when it came to financial literacy (Mitchell). I previously believed that people could invest, save, and add another source of income. But it seems as if people have a rudimentary understanding of such aspects. Most people need to act first on personal development to increase their financial literacy as supported by “Personal Development”.

The wealthiest Americans seem to be constantly reading books. Some even plan multiple hours of reading every day. CEO’s read countless more books per year while the average person reads less than one full book per year (Cardone). While speculative, there is a direct correlation between books read and dollars earned. Successful individuals have instilled this habit far before their success as opposed to their financially dependent counterparts. Most people will achieve average goals because of their limiting habits. People are defined by their habits they choose to live by. 

Morning routines define the course of the day. In Forbes magazine, the article “8 habits of highly effective people” focuses on personal growth like previously mentioned, and exercise which is an essential part of morning routines. These routines must be structured with accuracy. In a study from businessinsider.com on morning routines of highly influential people, working out became a common denominator of a majority of the people (Kenyon). Acts of mindfulness be it a journal writing, or meditation, are attributed by successful people as a life changing habit (Kenyon). Other common factors of those who achieve their goals is that they tend to wake up at the same time every day, (usually early) perform acts of cleanliness, and a healthy breakfast. A morning workout will not directly put more money in your pocket. But it can be beneficial to wake you up, take away stress, motivate you, etc. A morning workout can also help a person limit negative habits. That’s where the mindfulness comes in to play. Mindfulness can make you realize that everything you do has either a negative or positive effect. When working towards your goals you want to align as many positive activities as you can, in order to develop a greater chance of succeeding.

Another thing is a principle which states that when faced with something that needs to be overcome, someone should write down twenty ways to overcome this or at least make the situation better. The way that this helps is similar to writing out milestones of major goals. Doing so breaks down objectives. Being forced to write down twenty ways makes the person think differently to acquire new ways that must be acted on to achieve success. It is said that insanity is doing the same thing over and over and expecting a different result. 

A lot of people want financial freedom or even try to achieve it but all they do is swear to cut down on spending once again. Next week seems to be a popular time to push off successful habits for those who don’t achieve them. People that fail at taking action also have a habit of planning on allowing things just this once. But just this once happens every time they encounter the same scenario. The self discipline here is lacking, and it piles on negative effects. 

Positive habits create the best formula for one to make decisions. Think about what we do all of our lives. We are making decisions, without even thinking twice most times. With writing down goals daily one is able to think about their goals in depth. This little task does not go unnoticed. The success rate is improved every day that the goal is written down. Every time someone follows their morning routine, whether it be simple or extensive, they get closer to achieving their goal. In ways that we don’t see, our every action may get compounded by caving just once out of our discipline. Deciding to do the little things right is what separates people that are disciplined and those who are not. 

Little things like always doing the budget on a certain day can be a huge benefit the more persistent a habit it becomes. Making a budget is one of the ten habits that will help you become financially free from an Investopedia article (Danielson). Working like an accountant on someones own finances forces them to think critically about their financial decisions. If following their rules and daily habits this can be a fulfilling process. But if not then one can see that they need to get on track to achieve their goal. One must think differently, and choose to increase their effort rather than minimize their goal. This is something that someone with a growth mindset may be excited to get after. 

People with a growth mindset are able to see the greatness in delayed gratification. Anyone can enter into the ideals of the growth mindset. It is likely that these people are aligning positive habits in order to be successful. Setting habits in this way is part of delayed gratification. It entails working on things day in and day out without proof of a light at the end of the tunnel. A lot of businesses are not profitable in the first year. But the ones that keep providing quality will reap the benefits over the competition. Working towards a goal is all about delayed gratification. Work hard, maybe even suffer now so that one day financial freedom will be attained. Once it is attained, it is known how to do it again. When someone achieves financial freedom they can and likely will continue to do so since the hard part is over, learning and doing for the first time. People will likely teach and share with others how they did so because they were once seeking advice. Although, the road to success is not one clear path. Being smart about if or when to do things like take out a loan if necessary, set deadlines, and switch gears to something new comes with experience. It is best to learn first from those who have achieved this success and been through the same difficulties. Personal development helps people gain knowledge in the field so that they understand concepts, know their goals, and have an idea on how to get that there. These people are interviewed, and asked countless questions. People of admirable success often have biography’s or books about their journey to success. Even people that have had smaller successes are viable sources to assist you on your way to success. It is important to remember to not go against your morals and ideals in order to follow their advice to a tee. However, finding a mentor is claimed as a key to success. Mentors can help you stay motivated, make fewer mistakes, and reach your goal at a sooner time or in a greater abundance. This depends on when and why you want to achieve it. 

They reason of accomplishment that people have behind their goals is the driving force that leads them to success. For example, financial freedom may be the goal but there is an immeasurable number of reasons that people want to achieve it. Maybe they don’t want to get evicted from their home, have a better life for their family, or they are sick and tired of feeling a certain way. These reasons are better referred to as a person’s why. Their why is responsible for pushing them to get started and stay consistent through rough times. When writing down goals, someone may write down to become financially free, and also write that they want to put their child through college. It may be for this reason, that they push themselves to become financially free although it is another aspect of success. 

 People will have to push themselves, as others will likely not do so. They will not be penalized beyond current circumstances for not being financially free by any external forces. A plan is needed to map out their route to destination. The plan will entail many facets of ways to stay on track, break bad habits, and stay motivated. It will be outlined once the person does the math on how to achieve their goals. Speaking in monetary terms, one must figure out how much they will need to make on a regular basis to become financially free. They will also have to line up their spending for the future. If they work an hourly job then they need to figure out how many hours this will take. If they have another source of income selling something then they will need to do the math on how many items they will need to sell. This enables them to then plan out a real plan to follow with a probable goal. Doing the math to achieve financial freedom launches anyone in the right direction to be successful. It shows that you are serious about doing what you have to do to. 

When people are serious about achieving their goals they are able to allocate time towards their mission. From planning out their route, people are then able to better manage their time. People may hold themselves to spend an hour or more a day on personal development to achieve their delayed gratification. With a morning routine it is easy to allot time to things since part of their day is already scheduled. People who journal or write out their agenda as a part of their routine will be able to do this very well. For those who meditate, there are often thoughts of what they have done and what is left to do. This is followed with deciding when these things will be done. Successful people take advantage of their time and energy with efficient methods like a morning routine(Randel). 

With habits and tasks set up for success it is necessary to stay disciplined on them. Even when giving all the effort one can, it is possible and even inevitable that you will fall short at times. These failures may be devastating but it enables you to gain a mental capacity for this type of learning. You will learn through failures that it is a great way to change and grow. In Clark Kegleys youtube video he discusses similarities of greatly successful people. One of which is the belief that failure is the road to success. Getting outside of your comfort zone is a phenomenal way to do get on the road to success. Kegley also mentions daily acts of mindfulness to become aware of how these failure effect ones progression. Successful people try to get out of their comfort zone often. They may plan to speak at ten events in ten days, double the amount of sales they typically have, or extend their personal development.

Being able to do so will tie into ones personal well being. A person must be mentally and physically ready to attain success. By doing so they are able to make informed and necessary decisions to point themselves in the right direction. More than that if they are mentally or physically inadequate then there is a possibility of personal doubt and the lowering of perceived potential. It is not ideal for everyone to run 5 miles in the morning and read a book a day. goals should be to become the greatest version of themselves. By doing what is best for oneself it does exactly that. This captures the ideals necessary for each person to be successful in their own eyes. When on the right track there is a great feeling of confidence towards fulfillment and motivation. These feelings usually only come to fruition after many times of failure, uncertainty, and excessive commitment. 

Days worth of time are put into nearly everything big that people want to achieve. But the results often last a lifetime. Most people do not see the days of despair, the tears on the table, and the face of regret or worry. It is often in a different location than the masses that these things happen because most people are not committed to financial freedom. What is seen to most people is the success. This is by choice of those who achieve it but may become misleading to those working towards it. We know most famous people and look up to people based off of their prestigious attributes, skills, etc. Seeing beyond this to the immense amount of risk and work that must have gone into achieving what they did is seldom done. The success is just the tip of the iceberg when it comes to the full story. Success requires people to think big, hence the term growth mindset. Small-minded people may believe when faced with adversity, that financial freedom is not meant for them because of an imaginary burden. But this is not the case for those who would write out twenty ways that they can move towards their goal. Mindset is of utmost importance for persisting in overcoming goals (Tracy). Financially free people are typically not lucky in a sense of it being handed to them. They do however get luckier the more effort they put into their finances. 

Those who have the self discipline to act relentlessly towards their goals are the ones who will reap the benefits. This comes with a list of goals to reach financial freedom and the growth mindset to have the ambition of great accomplishments. By doing these things as entailed one can become financially free no matter their current circumstances and achieve a higher standard of living. 
