Written in 1937, during the height of the Great Depression, Napoleon Hill's "Think & Grow Rich" is the venerable book on success. The ultimate book on income, the principles herein are timeless and can be used to accomplish, attract, do, or be, whatever it is the mind can imagine. Put up to the challenge by business magnate and mentor Dale Carnegie, Hill would dedicate near a quarter century to interviewing the most successful men and women - many of whom came from humble beginnings. The book stands today at over 100 million sold, and its own success is an attestant to the solidness of the principles it preaches. So here are those 13 powerful nuggets, set so you can scroll and easily access and digest.


Desire

A burning hot desire is the starting point. It's the spark that feeds the flames of success. Once you've found that thing that you can stop thinking about, that impels you to action, you know your on the right track. A strong enough desire helps you weather the inevitable storms and keep your eye on the prize. Desire is what breeds champions.

Faith

Once your desire solidified, the next ingredient in your success pie is faith. Faith - belief in that which is unseen - is clutch to creating the energetic force fields that will align the universe in your favor. Before your desire manifests you have to believe in it and be grateful for it as if it has. That is Faith.

Autosuggestion

Helpful for maintaining the faith and keeping the desire during, is the principle of Autosuggestion. Science has discovered that the mind works in some ways like a computer disc. The information you program on to that disc is how your mind then works and operates. Autosuggestion is the notion that you can reprogram this brain disc based on the daily information and habits you intake and partake in. Things like mantras and/or affirmations or positive reinforcements are methodologies of autosuggestion designed to motivate and uplift the mind. So leave so inspiring quotes around the house and on your phone, look in the mirror and tell yourself "I'm intelligent, successful, a sexy beast, and today I shall conquer!" Or something like that. Studies show that daily positive affirmation in one form or another does help to maintain and elevate success levels.

Specialized knowledge

This part takes time, money, and dedication. Whatever it is that you choose to do, you're going to have to know it well if you're going to do it a high level. It takes time and dedication, and cash to do all the things necessary to obtain mastery. And even if you wish to circumnavigate the learning curve and really on the specialized knowledge of others, it's gonna cost you, and you'll also have to be on their time. Sometimes your projects, your missions will require a mix of both. Respect the technique.

Imagination

The Great Boundless Warehouse of the Mind. The imagination is where all the magic happens. And you can use it in two different ways. Your synthetic imagination takes all that you know, all that that you've experienced, your entire knowledge base and uses it to serve up excellent cocktails in the form of innovation and problem solution. However it has it's limits - its based on a limited reality. Behind door # 2 is the creative imagination. Great art, human flight, beautiful music, breathtaking architecture - all products of the creative imagination. The creative imagination is the conduit between the infinite, unlimited source of knowledge and our own.

Organized Planning

Even with the most glorious ideas formed and all the faith and knowledge behind it, nothing of substance materializes in this world without Organized Planning. Diamonds are a result of a specific organization of carbon atoms. A different combination of the same atoms results in coal. It works

Decision

No great leader ever moved forward without the ability to make quick and decisive decisions and then to stand by those decisions. The only way to practice this is in the field, but getting into the habit of doing this with things as little as what to wear or what to eat, help build the muscle memory for when it comes time for those major decisions.

Persistence

Whether Hollywood or Wall Street, the mistress that is success won't be tamed and reigned in as yours without a fight. It's as if its almost to test to separate those who really want it from those who will give up at the first few obstacles. Chopping a tree down takes time and you gotta take out bits and chunks as you make your way to yelling "Timber!" This is where persistence and consistence comes in - you've got to deliver the goods on a regular basis until thats what you're branded as. That's when success starts rolling in.

Mastermind

Up to this point theres much personal achievement to be obtained on your own. But to really move mountains, change the world, and swing your fortunes, you will need a crew of like minds on the same mission. "Again I say to you, if two of you agree on earth about anything they ask, it will be done for them by my Father in heaven. For where two or three are gathered in my name, there am I among them." Even the Bible references this principle. When two or more minds gather in unison, they form a mind greater than the sum of its parts. This synergy has propelled businesses, nations, small bands of rebels, artistic movements and much more, since antiquity.

Sex Transmutation

Transmutation of any kind for that matter is extremely useful - changing energy into positive force to propel and motivate your success course. Sex energy is known to be the highest form of human energy manifest - it is literally the energy that creates life. Often times - particularly in a society with a firm belief that "sex sells" - this energy is wasted is licentiousness. However cultures ranging from yogis to Mayans have practices where the sex energy is redirected and transmuted to supply fuel behind thoughts of success and growth. It is a said to be a beast that few master until after age 40.

The Subconscious

Our autopilot system. The subconscious is that part of us that is the programmable computer disc. The subconscious faithfully carries out tasks that we don't even bother to think about - breathing, the heart's beating, the muscle memory we use driving and walking home. It's still an uncharted real of human understanding, but what we do know is that what you tell your subconscious to do - it will. So tell it to do nice things and to believe that you're already a success - because you are!

The Brain

The sending and receiving station. Like a radio or ethernet cord. Frequencies from around can felt down to the nervous system and frequencies produced from within can be experienced by others. As much as we know about outer space and the planets in our solar system, we still know astonishingly little about our own brains.

The Six Sense

This baby doesn't come until you earn it, but its probably a sweeter prize than the infinite money and acclaim that it can bring you. When you connect with the inner voice inside and can hear it clearly, you will be warned of dangers with time to avoid them before they occur, and made aware of opportunities at the ripest time to pluck them. With the six sense you will always have peace of mind, a feeling of gratitude and luck, and a sense that you're in control of your fate, and not a victim of it.

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I thought I had a pretty good handle on my finances out of school. I worked several jobs while attending university and had little to no problem managing my income. However, once I graduated, I realized how much more complicated personal accounting could really be.

There were so many variables I needed to keep track of. Biweekly bills, monthly charges, and general necessities amounted to a heap of confusing numbers that were often impossible to decipher. The funniest part was that I was actually trying to do this by hand (I don't know what I was trying to prove to myself, either).

After messing up for the 17th time, I decided to give Microsoft Excel a shot. I used Excel a bit in school and I knew all the big-wig finance people used it, so what could I possibly have to lose? The answer is about six hours of my precious time. Excel isn't much of an improvement over handwriting and it's still dependent on the user to manually input all of the information. It's like doing everything by hand with the slightest help, meaning that it still required a tremendous amount of time and concentration. Well that was all for nothing, I guess.

It's sort of funny. I was certain that I could manage my personal finances with ease, when it's practically a full-time job. I was already stressed out enough with my first job and I knew I didn't have enough time to give my finances the attention it deserved.

That's why I decided to try out a budgeting app. My best friend told me that he uses an app called Truebill to manage his finances. "What does it even mean to manage your finances?" I asked him. He told me that Truebill was the personal financial assistant I wished I could have. It could aggregate all of my account information into one place and give me specific insights and actions.

I loved the idea of having full control over my finances, especially during a time of financial uncertainty, and I realized that Truebill would be the easiest way to accomplish this. The user interface is incredibly simple and intuitive, so it doesn't even feel like a finance app! Truebill offers a multitude of features, with their most popular being the ability to cancel subscriptions with the press of a button.

Okay, I had no idea how many subscriptions I was still subscribed to. In fact, I wasn't even using a quarter of the subscription services I was signed up for. Subscription boxes, streaming services, my old gym, and even an old subscription to my favorite magazine--it was all there and I was livid. How could I let myself waste all of this money and how did I never catch this? Thank goodness for Truebill.

Truebill also offers bill negotiations. There is a 40% fee based on how much you save and Truebill even claims that there is an 85% chance that they'll be able to lower your bill once a negotiation is requested. Why wouldn't I take them up on this? There was zero risk and I would only have to pay once my bill was lowered (which means that I would be saving money regardless).

More standard features of Truebill include the ability to generate a credit report on-demand and even request a pay advance. I only used the pay advance feature once when I wanted to buy a gift for my mom, but didn't have enough cash in hand and Truebill automatically reimbursed itself when I got my next paycheck.

The credit report is another fantastic feature and practically taught me what good credit meant. Truebill's credit report basically shows you which financial decisions have the most significant impact on your credit score and ways that you can improve your credit month-over-month. I've never had such control over my credit and it feels good.

I'll be the first to admit that I was extremely naive coming out of school. I figured that as long as I was attentive, I could manage my finances with ease. We manage money to some extent throughout our entire lives, but once you're thrown out on your own, it's a completely different story. With Truebill, I've finally been able to take control over my finances and stay on top of all of my responsibilities.

Update: Our friends at Truebill are extending a special offer to our readers! Follow this link to sign-up for Truebill.

My buddies and I always try to make it out to a game, but we never really care which one we end up at. Obviously we have our favorite sports and teams, but it was rarely about what game we went to or who we saw playing. It was about watching the game live.

In the early months of lockdown, all we had was Korean baseball, and trust me, we loved it. The only issue was, none of us had any idea what the commentators were saying. Even then, a few of my friends weren't huge fans of baseball. They were into sports like football and basketball, ones that moved at a quicker pace with less down-time in between plays.

We decided to see if there were any other events going down and came across horse racing. Yes, horse racing. It was perfect--short, fast-paced, and most importantly, an opportunity for betting.

I had never really considered watching a horse race any time other than the Belmont Stakes, but the prospects of the sport seemed exhilarating. Even better, with horse racing we knew we could still recreate the atmosphere of a race track. Salty snacks? Check. Stale beer? Check. A simple and easy way to bet? Check.

One quick Google search later, we came across TVG, powered by FanDuel. It's an online betting platform that takes you right to the heart of the action. We were a little apprehensive about using a mobile app to place our bets, but TVG's ability to bet on live horse races from all over the world was too good to pass up.

Here are 5 reasons why we are obsessed with horse racing thanks to TVG:

1. Betting has never been easier

Use your phone or computer to watch and bet on live horse races in real-time. TVG offers a bunch of features to make betting even simpler--live odds and handicapping tips leverage recent learnings to help you make your best bet. Not to mention, TVG's exclusive race content and wagering guide offers an under-the-hood look into the strategy behind horse race betting.

2. The biggest selection of horse races out there

If you're looking to drop a little dough on a horse race, chances are your best option is your local race track. But watching the same few horses races over and over again isn't the most exciting thing. With TVG you have access to over 150 tracks worldwide with races happening consistently throughout the day.

3. Get a generous sign-up offer when you place your first bet

Once you register your account, you will be eligible for a $200 risk-free bet. All you have to do is place your first bet and you're covered. If you happen to lose, TVG will insure you for up to $200 as a sort of wagering credit. I may have been a little trigger happy when placing my first bet, so having this insurance was a great perk. There are also a bunch of promotional offers available year-round.

4. Making deposits and cashing out at the touch of button

With a ton of payment options such as PayPal, BetCash, debit/credit, wire transfers, and other third-party services, making a deposit is a breeze. But what about the payout? Depending on your deposit method, your withdrawal will be available in a few days. No more waiting in-line to collect your winnings!

5. Watching live races with your friends while betting is exhilarating

Even when we were watching Korean baseball, Zoom calls with my friends were a little dull.

With TVG, we haven't had this sort of fun in months! Every weekend we'll turn on a race and throw our bets in. After a few races, and quite a few drinks, we'll tally up our winnings to see who won the most! Sometimes it's not even about making money, but just having a good time.

TVG is the perfect way to add a little excitement to an otherwise mundane afternoon. It introduced me to the world of horse racing, a sport I never would have considered otherwise.

The races just keep ramping up and thanks to TVG, I can always get in on the fun.

UPDATE: The biggest derby in horse racing is THIS WEEKEND. Get in on the action with your $200 risk-free bet!

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