It is with great pleasure of having you here at this hour. Let me get it straight and be honest with you at very outset. First of all, I'm not going to sell you anything here. And second of all, if you are hoping that you could learn some tricks to earn Quick & easy Money, you are definitely in a wrong place.

What I'm offering you are some personal story and lesson which I hope you will find it useful and beneficial to your well-being - be it financially or spiritually. Below is an article which I wrote to an online magazine, some time ago. The response was phenomenal and overwhelming. I hope you will enjoy reading it.

The Power of Dream

Have you ever dreamed of being financially free seomeday ? Yes, let me repeat, FINANCIAL FREEDOM. I bet some of you do. However, I believe only a handful of you would actually commit yourselves into making your dream comes true. Instead of committing to pursue your dream, you would just sit back and do nothing about it. Am I right to say that most of you have no confidence of yourself , let alone your dream?

"The future belongs to those who believe in beauty of their dreams." - Eleanor Roosevelt

Well, some people will doubt it and think that being financially free seems to be an impossible dream to attain. - Never ever doubt about yourself !- To have financial freedom is not impossible and is within your reach if you possess fundamental understanding of how wealth is created and accumulated.

By same token, depth of your financial knowledge and planning will determine your financial future whether you will retire broke, debt-ridden or leave a huge amount of wealth for your dependence. The choice is yours because you are navigator of your own destiny.

As Burke Hedges author of book The Parable of Pipeline eloquently writes , " becoming a millionaire is a matter of choice, not chance ."

How to Be Financially Free

Most of you must have heard of people saying; you either be a professional or run your own business to earn BIG INCOME, right? It is true to a certain extent, however, a profession per se does not guarantee you a better financial future. Why? Because no matter how much you earn as an engineer, a manager, an accountant, an architect, etc. you will still depend on a paycheck or a fee for a living. Think about it, moment when you stop working, your income will stop flowing in and next thing you know, your bank-savings is drying up.

Thus, being a professional with a big income is never going to make you financially comfortable. You will never make your family safe and secure. Burke Hedges calls this group of people a "bucket carrier". He writes, "as long as you carry buckets, you have to show up and do work in order to get paid."

Does it sound familiar to you? This is how rat-race world works. Instead of working for money as Robert T. Kiyosaki, author of best selling book Rich Dad and Poor Dad pointed out, "we should make money work for us." What a brilliant saying!

So how do we get out of this rat-race world? The answer is we need to start thinking on how to make money work for us. Have you heard of concept of leverage? It is a concept that is widely applied in all fields of work including financial world. So what is it all about?

What is leveraging?

Leverage is a phenomenal concept that has been known to people throughout ages. The root of word leverage, lever is originated from an old French word that means, "to make lighter." Say, if we want to move an object, which is many times heavier than us, what do we do? That's right. We place a rigid bar on a pivot to lever it and object becomes so light that even a child can lift it easily.

"Give me a lever long enough and a fulcrum on which to place it, and I shall move world." - Archimedes

This is power of leverage. In today's financial world, we apply same principle of leverage to time and money, and outcomes are exponential. Leverage allows people to work smarter, not harder, and it is reason behind creation of so many millionaires in last century.

Leverage: The Source of Residual Income

Residual income, which is also known as passive or recurring income, is an income that will continuously generates inflow of money to us after initial effort that we have put to work or money we have invested in an investment fund. Alternatively, if you are an inventor, your residual income will basically derived from rights and patents of something you have invented and used by others. The same goes to an artist or a musician.

Two Types Of Leveraging

Leveraging Money

Have you heard of Warren Buffet? Yes, second richest man in world and a legendary figure in stock market that earn his living by leveraging other people's money and as result he made himself and his investors rich in course.

Check this out. One share of Buffet's Berkshire Hathaway stock was worth around $19 in mid 60s and by end of 1998, value of that single share has shot up to $70,000. Say, if you have invested $ 10,000 back in 1965, your investment at end of 1998 would have been worth a whopping $ 51 million. WOW ! That's unbelievable. The money was left to compound by itself as time went by. That's how money-leverager makes their millions.

Nevertheless, most of these 'money-leveragers' would only get to see their wealth touches million-dollar mark only after they have reached their 50s or 60s. Though it's a long wait before they could see result, it is worth wait anyhow. Wouldn't it be great to be a money-leverager?

As I set down in comfortable leather chair in little “waiting corner,” I looked down to my left with an intention to pick a magazine from big basket that was filled with maybe over 50 magazines.

I sorted through magazines but nothing would catch my eye. There were so many different magazines; I couldn’t decide which one to pick and read while waiting.

Then, as I lifted a big batch of magazines to choose from, one of them fell down on floor. I immediately dropped all other magazines back into basket and took one that fell on floor.

The beautiful view of a tropical island in background, surrounded by crisp clear water covering entire cover of magazine, got my attention.

The magazine contained a large number of photos from tropical islands, vacation resorts and everything tropical you can imagine. I submerged myself into pictures so much that 40 minutes went by like 4 seconds.

When I was all done with haircut, I asked Isabella (the hair stylist) if I could take magazine. She said that it wouldn’t be a problem because anyway they recycle magazines at end of each month when they bring new ones in.

The magazine is called Islands. It was a June 2004 issue. When I went home I put it next to my computer and until today’s day, it’s still sitting there.

I look through it periodically. All my life I’ve lived in northern hemisphere of planet, and winter is definitely not my favorite season. Not to even mention driving headaches when we get dumped with a few feet of snow.

The tropical theme has always been a dream place of mine.