Dan Lok: F.U. Money Book Summary




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Part 1: The F.U. Money Lifestyle

Most people don’t do what they really want to do. They do what someone else wants them to do.

You can’t hit a target you can’t see.

Two proven ways to make your f.u. money:

1.     The Slow Way: Build a Big Nest Egg

2.     The FAST Way: Automated Income Vehicles

Forget Passive Income

Plain and simple: it doesn’t work.

Money is a medium of value exchange. So when you strive to make money and no longer have to work at the same time, passive income, part of what you’re really hoping for is to get something for free. Know this, in order to get something you first need to give.

The desire for completely passive income is also rooted in the need for completion.

We all think there’s this magical time in the future where we can finally just relax and be happy. But it’s not coming. So cultivate gratitude for every moment, if for no other reason but it’s just another moment you’re alive.

Part 2: The F.U. Money Myths –Eight Myths That Are Keeping You From Making Your F.U. Money.

The Money Myths

These are all the myth what we think rational or watered down half-truths that you were fed as a child by people who didn’t even know what they were talking about. They are:

1) “Money Can’t Buy Happiness”.

Maybe true and yet this idea somehow gets twisted into the idea that you shouldn’t make money at all.

Money buys you time–and time translates to the freedom to pursue happiness and personal growth, the freedom to help others, and the freedom to do whatever you damn well please.

Change doesn’t come without pain.

Money is the root of all good.

2) “Rich People Are Assholes”.

 Breed from envy and jealousy.

If you don’t like the rich, you can forget about ever becoming one of us (Them).

Banks don’t get robbed by those of us pulling up in a limousine or Rolls Royce.

If you’re a jerk, more money will just make you a bigger jerk. If you’re a nice person, more money will make you a nicer person.

3) “You Can Afford To Wait”.

Who wants to wait till they’re old to be rich?

Making huge sums of money consistently requires a set off skills.



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4) “You Have To Be Lucky To Be Rich”.

Poor and uninspired mentality this is one of the main reason why people fail.

 You don’t just get rich. You must earn the right to be rich.

5) “You Have To Be A Cheapskate”.

Not in abundance, in order to get something you first need to give.

It’s easier to make MORE money than it is to spend less.

Focus on generating dollars, not pinching pennies.

Most people save their way to bankruptcy.

I refused to be poor even when I was broke.

6) “You Have To Get Rich Slow”.

Wrong, People get rich fast all the time.

Money is attracted to speed.

Rich people are entrepreneurs who invest.

You can’t be a millionaire with fifty-thousand dollars- a-year habits.

7) “You Have To Work Hard To Make Money”.

Also wrong, for many people money is easy.

Don’t just work hard, work hard at working smart.

Leverage is Maximum productivity with minimum effort.

8) “You Have To Be Perfectly Ready”.

It’s a lie because you never are.

Rich people make themselves do what they don’t know how to do– until they do know how to do it.

Business is the ultimate school of learning.

Ideas aren’t worth shit unless acted upon.

Part 3: The F.U. Money Mindset

The secret to wealth is committing to ONE idea over time.

Don’t take advice from broke people on how to get rich.

It doesn’t matter what the morons say.

Do the opposite of what everyone else does and you will almost always succeed.

You have to be a little “weird “to make your f.u. money.

If your life stinks, it’s your own damn fault.

Every business is a reflection of its owner.

if you can’t find good people to help you, maybe you’re not a good person

There are three kinds of people:

1) People who wait for things to happen

2) People who make things happen

3) People who wonder what the fuck just happened.

You can’t have the glory if you don’t have the guts if you set a goal.

Fortune favours the bold.

The rich do what is hard; that’s why their life is easy. Poor people do what’s easy; that’s why their life is hard.

Self-esteem is the foundation of all success.

Nothing great was ever achieved by timid people.

You can care about other people without caring what they think.



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Confidence comes from competence.

You can’t be of ANY value to others until you first value yourself.

The amount of money you make is closely related to your self-image.

Life ain’t fair. Business ain’t fair. People ain’t fair. Get over it!

Hitting your daily income goal is your number one priority every day. Everything else is bullshit.

Nobody is allowed to insult you without your permission. Nobody is allowed to say anything bad about you without your agreement.

You’ll become effective only by being selective.

Poor people get paid AFTER they do the work.

Rich people get paid BEFORE they do the work.

When you don’t need money, it comes to you faster, easier, and quicker than you ever thought possible.

Needy is creepy.

How you use your time ultimately determines how much money you make.

Rich people value time. Poor people value stuff.

It’s better to be really good at one thing than average at a bunch of things.

“Do what you love and the money will follow” is a lie. It should be:

“Learn to love the activities that are capable of producing the largest sum of money – then the money will follow!”

You can sell people on doing business with you on your terms, as long as they know what’s in it for them.

Your number one job each and every day is to do everything you can to drive more revenue and profit into your business.

Distraction is the only true luxury of poor people.

Laser-beam focus is mandatory for success.

Part 4: The F.U. Money Business

Most people don’t want the truth.

They’re just looking for things that sound good.

All wealth schemes have the fatal flaw of taking YOU out of the equation.

Definition of a F.U. Money millionaire: a person with a vision who orchestrates other people time, talents, and money to make his or her vision a reality.

It’s not just HOW MUCH money you make; it’s HOW you make the money.

I am smart enough to know I am NOT THAT smart.

If you spend your entire life working on your weaknesses, at the end of your life, you’ll have a lot of strong weaknesses.

Suck your business dry like a vampire. Take money out all the way. If your business can’t make it without money, then your business probably can’t make it with money.

Life and time are the same things. If you’re wasting your time, you’re wasting your LIFE.

If you don’t toot your own horn, no one will toot it for you.



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Every problem is a product.

There is no easier, faster, and more certain way to create massive wealth in record time than the Internet.

One conversation can change your life forever.

If you could get there on your own, you would already be there.

Never, ever get paid based on hours worked.

Make your first sale online before worrying about getting rich.

The ideas you think will work best often fail. The dumb and crazy ideas you threw out there just for the hell of it often produce the biggest results.

Failure is a resource. It helps you find the edge of your capacities.

Your intimate understanding of your market and core businesses the number one ingredient to become rich.

Let other people and “things” make money for you.

Stop throwing good money into profit draining projects. Real commitment is commitment with a formal structure.




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Shout out to Revor Anson from thewandererwisdom.my for doing this written summary

To buy the book, click the link in the image below to purchase from Book Depository


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