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A self-made millionaire says the single most effective way to get rich is a simple decision most people don't make

That decision is to <b>pay yourself first</b>.<p>"What most people do when they earn a dollar is pay everyone else first," Bach explains. "They pay the landlord, the credit card company, the telephone company, the government, and on and on.<p>"The reason they think they need a budget is to help them figure out …

Roth IRA

7 Ways Being Debt Free Can Hurt You

Strategically taking on debt can help you reach lifetime goals.<p>Owing money to banks and credit card companies is usually a guaranteed way of never …

4 Ways to Become a Better Learner

The CEO sitting across from me is explaining how he and the other executives of a telecommunications firm were caught off guard by a new technology that disrupted the firm’s business. “We did not see WhatsApp coming,” he says, shaking his head. He wants to increase his capacity to learn, to spot …

A serial startup employee explains 4 key steps to building a $1 million business in under 48 hours

We were both in hoodies and had a shared penchant for the F-bomb and burritos, all of which led to a caffeine-infused mind meld.<p>It would be the first of many.<p>The matchmaker then introducing us was the prophetic and profane Dave McClure, general partner of 500 Start-ups, which is now headquartered …

Startups

If you have a great idea for an app, learning to code through this course can help bring it to life

<i>The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships so we may get a share of the revenue from your purchase.</i><p>Justin Sullivan/Getty Images In June 2015 Apple announced that over 100 billion apps have been downloaded from the App Store to iPhones …

Apps

LEBRON JAMES: How the king of the NBA spends his millions

Off the court, he's equally relentless. On Monday, James signed a lifetime endorsement deal with Nike— a move that was so big it is more like the merger of two corporations— becoming the first athlete in the company's 44-year history to do so.<p>As a result of his unwavering successes on and off the …

I spent 5 years studying rich people, and here are the 9 best pieces of advice I can give you about money

What secrets about managing money do the rich know that the average person doesn't?<p>I spent five years trying to answer that question. I asked 233 millionaires 144 questions and discovered that the rich have certain specific money habits we all should adopt immediately.<p>Below are some strategies that …

Study Skills

The real reason germs spread in the winter

Flu season is a fact of life – but until recently, no one knew why. The answer hinges on the disgusting ways that germs pass between people.<p>It begins as surely as the leaves dropping off the trees. As the mercury drops and the sunlight fades, the sniffles set in. At best, it’s just a cold that …

Flu

11 websites to bookmark if you want to get rich

We've pointed out some of the best personal-finance books to read and podcasts to listen to.<p>If those didn't strike a chord or fit in to your busy schedule, we have a third option for you.<p>To get smarter about investing and psyched about managing money, start by bookmarking these 11 sites:

Investing

The Billion View Club: YouTube’s Most Watched Music Videos

Luis Fonsi ft. Daddy Yankee, “Despacito”<p>Puerto Rican heartthrobs Luis Fonsi and Daddy Yankee struck gold in summer 2017 with this sizzling …

15 Habits That Will Totally Transform Your Productivity

From decluttering your desk to letting yourself complain, these 15 easy behavior changes can change how much you accomplish each day.<p><i>Editor’s Note: This article is one of the top 10 Leadership stories of 2015. See the full list here.</i><p>People who manage to get a lot accomplished each day aren’t …

5 TEDTalks Every Entrepreneur Needs to Watch

Opinions expressed by <i>Entrepreneur</i> contributors are their own.<p>I’m a big fan of TEDTalks -- they’re full of insights on everything from human nature to scientific breakthroughs to trends in design. They’re inspirational, informative and eye-opening in ways that can help you become a better person and …

TED Talks

6 Excellent YouTube Channels Created by Inspired Teachers

Outstanding Math, Science, Art, History, and Social Studies Content for Flipped, Blended, or Traditional Classrooms! A HUGE “THANKS!” to Hip Hughes, …

Social Studies

Scientists think they’ve found the reason you’re overeating

Do you ever realize that you’re full, but finish that burger and fries anyway? There may be a scientific reason for that: too little of a hormone called GLP-1, which is thought to play a role in obesity (paywall).<p>Researchers from Rutgers University have found that when GLP-1 is released in the …

PewDiePie is only a small piece of the $3.8B gaming-video market

With YouTube recently unveiling its gaming plans, we have a clear battle over one of the hottest categories for online video.<p>Gaming-related videos on the Internet is a $3.8 billion market annually, according to intelligence firm SuperData Research. That is thanks to the 468 million people who …

Advertising

21 time-management habits all leaders should learn

One of the most difficult skills to master at the beginning of your career is time management.<p>You can waste a tremendous amount of time by trying to …

Time Management

'I Read This 20 Times:' Five Founders Pick The Best Books For Startups

Five founders pick the best books for startups. One French entrepreneur recommends a literary classic she’s read 20 times and says the principles within it have everything to do with her business. Entrepreneurs from around the globe weigh in with their most inspiring business books.<p><b>Gabriel García</b> …

Startups

11 Industries For Hot Start-Ups

According to the Kauffman Foundation, 2010 and 2011 saw the highest rates of entrepreneurship in the past 15 years --.34% of Americans start a new business each month. IBIS World ranks the best industries for aspiring entrepreneurs to get in the door—and score big. Based on barriers to entry, the …

The 5 Most Frugal Habits of the World's Richest People

The world's richest people didn't become that way by lacking frugality. Here are five frugal--and perhaps surprising--habits of the world's wealthiest people.<p>While occasionally rejecting the notions of materialism, most of us enjoy the idea of accumulating wealth. Having more money won't make all …

17 Life Lessons We Can Learn From the Wealthy

Everyone has something they’d like to change. The desire for self-improvement and progression is innate. It is in our DNA.<p>Unfortunately, when it …

Will Power

Watch an Elite Financial Adviser Hack His Own Retirement

Michael Kitces could drive a hot new car, work out in a high-end gym, and relax in a sprawling house. He can afford it. He just doesn’t want it.<p>What …

Personal Finance

How to set up your money to build wealth as you sleep

Ramit Sethi, author of "I Will Teach You To Be Rich," writes that setting up an automatic system for savings and bill-paying "will let you focus on the fun parts of life. No more worrying about whether you paid that bill or if you're going to overdraft again."<p>You can do this in two steps:<p>Compile a …

Personal Finance

5 ways entrepreneurs see life differently

Because it consumes your personal life as well as your professional one, it typically changes you as a human being. Your approach to problem solving will change, you'll learn new skills and become more familiar with new industries and markets.<p>You'll undergo a personality change — for better or for …

Entrepreneurship

How Peter Thiel Is Trying to Save the World

These startups are trying to beat Alzheimer's, cure viral diseases, and kill tumors with gold. One common thread: funding from Peter Thiel.<p>In 2010, Brian Frezza and D.J. Kleinbaum were four hours from leaving Silicon Valley for good. Since childhood, the two best friends had been incubating a …

7 Personal Finance Milestones Every 20 and 30 Year Old Should Hit

Do you know if you're on track with your financial goals? Where are you in comparison to other young adults in their 20s and 30s? Take inventory of …

4 Financial Habits of People with Excellent Credit

Your credit score can be your financial passport to a loan or credit card approval, renting an apartment or even getting a job, so it’s important to …

Try This Totally Doable 7-Day Plan to Improve Your Credit

Fixing your credit doesn't need to be a Herculean task.<p>There are 168 hours in a week. By allocating a tiny fraction of them to improving your credit, …

How to Stick With Good Habits Even When Your Willpower Is Gone

Most people think that building better habits or changing your actions is all about willpower or motivation. But the more I learn, the more I believe that the number one driver of better habits and behavior change is your environment.<p>Let me drop some science into this article and show you what I …

Will Power

40+ Life-Changing Books to Read This Year

Books