Napoleon Hill – The Habit of Saving

Saving money is only a matter of habit.  So, we need to have a brief analysis of the Law of Habit.

Through repetition, any act indulged in a few times becomes a habit, and the mind appears to be nothing more than a mass of motivating forces catering to that habit.

When you have any thought fixed in the mind, a habit is formed and impels action.  For example, think about your daily route to work everyday or some place you frequently visit.  You had to implement the idea in mind that you had or have to go to this place based on obligation everyday; just as we brush our teeth, take a shower, comb our hair, and even and most destructively – turn on the news.

Millions of people go through life in poverty because they made destructive use of the Law of Habit.  Not understanding the Law of Habit or the Law of Attraction….you will remain in poverty  and not even realize what you’re attracting into your life.

Fix in your mind the thought that your ability is limited to a given earning capacity and you will never earn more than that.  The law will set up in your mind the definite limitation you’re calling into existence.  Your subconscious will accept that limitation and then you’ll feel yourself slipping.

How can you get ride of this?

First, through the law of Definite Chief Aim, set up, in your mind, and accurate and definite description of that which you want; including the amount of money you intend to earn.

Your subconscious mind takes over this picture which you have created and uses it as a blueprint, destroying the other blueprints that probably control your perception of money.

You can then start charting, mapping, and holding your thoughts and actions into practical plans for attaining the object of your Chief Aim, or purpose.  Through the Law of Habit you keep the object fixed in your mind and it permanently becomes implanted there.

This practice alone will destroy the poverty consciousness and set up, in its place, a prosperity consciousness.


Napoleon Hill: Lesson Three – The Habit of Saving – Pre Course

Saving – a word that’s unfamiliar and often completely disregarded in households across America.

According to a 2016 GOBankingRates survey, 69% of Americans have less than $1,000 in their savings accounts.  Less than $1,000! Is that even possible? We’re not even counting what mutual funds, 401k’s or anything; however, if there isn’t any money in a basic savings, the chances of having anything else lingering around is next to none.

You can ask me if money was what destroyed the relationship between my family and I.  Go ahead, ask!

Somewhat.  I’ll be honest.

Back in 2007, I was an aggressive saver.  I kept next-to-nothing in my checking account and threw everything in my savings.  Was I saving for a rainy day? Not necessarily.  I didn’t have a clue what my intentions were, but I would much rather be ready for an opportunity with money, rather than being broke and seeing the opportunity pass me right by.

I woke up just after 12am one May morning and had enough money in the bank to book a spontaneous trip to Australia, changing my life forever.  Would that have happened if I didn’t have money?

Before moving to Thailand, I went on trips to Sedona, Arizona and Honolulu, Hawaii.  The amount of jealousy and envy was boiling over so much that it was damn near the boiling point because my brother thought I was remarkably selfish for not handing over my funds to my mother.

Some of you are probably asking yourself, “how can I do it?”

Saving money is solely a matter of habit.  So, we need to talk about what habit is…..


Traveling Abroad? Not Sure Where To Start? Here It Is!

From taking low-budget airlines to extend a budget, to saving up inch by inch for your first ever travel to Hawaii.  It’s much easier than you think.

Back in 2009, I had just under 2000$ USD in my bank account and I told myself that I was LONG overdue for a trip.  I wasn’t thinking of a domestic trip, either.  I wanted an international one; and already having a friend stationed in Australia, I realized it was now or never.

How was I able to save up for this? Well, without evening having to read Napoleon Hill’s ‘Habit of Saving,’ I was just a saver in general.  Since I got my first job back in 2007, I saved the majority of my salary.

If we look at it this way, take the west coast folks of the United States, for instance, who makes up excuses up about having never gone to Hawaii.  Plane tickets to Hawaii are between 400-600 USD.  If you could save 50-100$ USD a month and cut back on the bar nights, shopping escapades, and fancy dinners, you could easily achieve this goal.

After that, it’s all about hotels, whereas you could find the cheapest at before visiting the hotels main website to check for cheaper offers.  Expect to pay at least 100$ for  a hotel (in Hawaii) at less you’re one to stay in a hostel with 10 other people (not my cup of tea).

If you’re a big time shopper, you’re going to have to set aside a spending stipend.  If you’re just a casual traveler looking for a decent time while doing some tours, 100$ a day (maybe a bit higher in places like England, Aussie and Japan) would suffice.

See, having already read the options above, you’re now glued into the fact that traveling, even just to that gorgeous island in the pacific, is possible.

Checking flights on to get a good idea of what flights go to countries is perfect. for hotels and some of the hotels don’t even require payment at the time of booking.  You could book when you stay, which saves you even more money at the time of booking.

Asian Travelers

Air Asia, which is a low-budget Malaysian Airlines, has the most insane flight deals anyone could ever imagine.  I’m talking if you go on right now. and looks for flights 6 months in advance, they would be priced at a staggering 10-20$ USD.  You could go from buying a 100-200$ flight from Thailand-Tokyo, to buying another flight for cheaper to head back further south to Singapore.  If you’re flying domestically in a place like Thailand, some flights could bottom out at 5$ USD LITERALLY for a  one-way ticket.

European Travelers

With the infamously famous Ryan Air and trains connecting practically every country within Europe, no excuses.  I know Europeans do a good amount of traveling, so this is intended for you.  However, if you want to travel to different places, especially in Australasia, you have options in terms of airline tickets.


With gorgeous Bali nearby (and having gone there just last October), I understand why the vast majority of you all books flights to that utterly blissful island.  On the other hand, having the French Polynesian which consists of Vanuatu, American Samoa, Fiji, Tuvalu and the Cooks just 3 hours flight away is just an enticing.  Oh, yeah, again….check a variety of websites and see what flights are accommodating.

FYI – I’m not a touristy , sightseeing type of traveler – I like to dive into the midst with the locals and breathe the same air as they do (hypothetically speaking).  If you guys want to hear an audio of everything I just mentioned, my podcast is down below!

Podcast –

Jack Canfield – Pay Yourself First

“You have a divine right to abundance, and if you are anything less than a millionaire, you haven’t had your fair share.” – Stuart Wilde

Hmmmm…..back in 2007 when I began working as a work-study student at college, I use to save EVERYTHING.  When I needed to move out of my apartment due to family transgressions, NO PROBLEM!

When I had emergencies, NO PROBLEM!

When I had the idea at just past 12am on a very early May morning in 2009 to fly to Australia, I checked my bank account and realized I had enough money for the plane ticket, and 100$ spending money per day.

But….WHAT IF I wasn’t an aggressive saver?

Some of you reading this right now are also thinking about your future in terms of saving and where to go next with ROTH IRA’s and 401k’s.

You’re going to have to learn to pay yourself first.

Jack Canfield wrote in his book about George Clason who wrote a book  called “The Richest Man In Babylon” – one of the great success classics of all time.  It’s basically a fabled story of a man named Arkad, just a simple kid who convinced his client, a money lender, to teach him the secrets of money.

The first principle the money lender tAught the kid was “a part of all you earn bus the yours to keep.”  He goes on to explain that by first putting aside at least 10% of his earnings – and making that money INACCESSIBLE for expenses – Arkad would see this amount build over time.

Many people have built their fortunes by paying themselves first.  It’s as true and effective today as it was in 1926.

Podcast –

Tony Robbins: Money – Master The Game Chapter 1.4 – It’s Time To Break Through

“Gratitude is the sign of noble souls.” –  AESOP

Tony Robbins said in his book, “money can’t change who we are.  All it does is magnify our true natures.  If you’re mean and selfish, you have more to be mean and selfish with. If you’re grateful and loving, you have more to appreciate and give.”

Think about 2008.  Think about one of the biggest financial meltdowns in American history.  What did you experience? How did it affect you?  Your family?

I was literally called in by my boss at the college and he said, “listen, arsenio, you know longer have a summer budget.  Therefore, you cannot work for the rest of the summer.” He said that in June.  Could you imagine what was going through my mind? Me now having a big rent to pay in a bachelor’s pad with my best friend near Nellis Air Force Base in Las Vegas, Nevada?

Our reactions to that year was fear, anger, resignation, even resolve.

Adolf merke was the 94th richest man in Germany back in 2007 with a net worth of $12 billion USD.

in 2008, he decided to take a massive bet in the stock market, and guess what?….he lost. Big time. Almost three-quarters of a billion dollars. What did he do?  Well, after all the losses here in black ink, he literally wrote a suicide notes and walked in front of a speeding train – killing himself.

Get this, he was trying to get loans to pay off some debt before the suicide but he was declined.  Just a few days later, the loans went through and he died a rich man, having 9 billion dollars.

Did he die for money? Well, money was an identity.  It made him significant.  He thought if he lost it, his status would deplete.

How often have we attached our identity to money at some level?  A little more than we’d all like to admit.

On the other hand, you have billionaires who would like to die broke, like Chuck Feeney.  He’s helping create peace in Northern Island, to fighting AIDS in South Africa, to educating kids in Chicago. The most amazing thing about this is that he does it anonymously.  He doesn’t want people knowing that it’s him.

Tony said earlier, ‘if you don’t master money, at some level, it’s going to master you.”

There are six human needs that Tony talks about and that I will talk about in the next blog.

If you want to hear me speaking instead of just reading, my podcast is down below.  Just copy and paste and stay tuned for the next blog!

Podcast –

Tony Robbins – Money: Master The Game – Ending of Chapter 1.3

“If you don’t want to work, you have to earn enough money so that you won’t have to work.” – Ogden Nash

Welcome to the money series, people! On top of the other series that I have (Lisa Nichols – Abundance Now; Stephen Covey – 7 Habits of Highly Effective People; Jack Canfield – The Success Principles), this is the one about money, savings, mutuals, investments, among so many other things.

Tony Robbins, the guru (I believe) in the financial field, has an extremely good book in terms of how to invest and where to put your money.

I’ve already done a number of podcasts on here that could be found at –

So before diving into this, I highly suggest you getting a rundown of what this book about.

Without further ado, we were suppose to come up with a number in mind about putting together a monthly withdrawal and putting it into a tax-free mutual fund or 401K.

Did you come up with that number? 5%? 8%? 10%? 20%?

What if you don’t have a number in mind to put towards compounding? What’s holding you back?  I can tell you. It feels like you’re losing something.  If it’s not being used today towards the materialistic world, you think you’re losing money, or will keep losing money for the next 10-20 years.

That’s the thing about humanity.  If we feel like we’re not getting it now, we won’t do it.  That’s why so many people don’t save and invest; however, you’re giving yourself a peace of mind and setting up a large fortune of return in the future.

But for those of you who do have a number, look at the following picture.


Tony Robbins has recommend not going any lower than 10%.  If you look at the picture above, that’s the reason why. If you save as little as 3.5%, the returns are small.  However, if you save over 10%; let alone 13+%, the returns are MASSIVE.  You could go from buying a pair of shoes to a buying a sports car.

Ofcourse, you’ll still need to “earn” that little raise from your boss who probably won’t give it to you, but if you do achieve a raise, put that small percentage on top of what you’re already investing.

If you’re new to this, you can message me with any information @ArsenioBuckShow (twitter) or my Facebook page: The Arsenio Buck Show and ask me any questions you’d like.

Until then, begin following this process to financial freedom with the rest of my listeners from around the world.  If you want to hear the podcast, copy and past the link below.

Podcast –

Multiple Sources of Income

Good afternoon, everyone, and welcome to my first blog post.

My name is Arsenio Buck and this blog (soon to be a website) is designed for people who are looking for a breakthrough in their life.  People who are and have been in endless slumps within their lives – health, wealth, personal development, hobbies, relationships, etc.

Along with this blog there will be a podcast episode where I talk about this specific blog for anyone who’s interested and the link will be provided below.

Without further ado, I’m going to talk about MSI’s today (Multiple Sources of Income).

                                                INCOME FROM MULTIPLE SOURCES

                                                             MSI is not another JOB.

                                                             MSI is not a better JOB.

                                                              MSI is not even a JOB.

This is simply creating and adding a source of income to your primary source of income.

First, let me ask you a question.

When times get rough, you lose your job, you have an unexpected expense towards your car…have you ever found yourself asking other people for money to pay off your own debts or to even buy food?

All of us have had these moments before in our life.  When times got rough for me here in Thailand, I was literally sitting at the end of my bed wondering how am I going to get through the week with just 10-20$ USD at hand.

Going back to my earlier days where my mother had to cook flour tortillas in oil for dinner just so we can get by.  After these struggles come, we subconsciously train our mind to never allow them to happen again.

This is the best way to do that. When the primary source of income goes obsolete, we can rely on other sources of income to keep us afloat.

You shouldn’t have to exchange time for these.  Look at it this way – wouldn’t it be wonderful if you were making money while sleeping?

There are a number of ideas such as….

  • publishing a book that’s available under public domain
  • invent something that’s needed in your community
  • have an online store
  • networking marketing companies
  • market something for someone else
  • franchise something

You can get creative with MSI’s, and they all have one thing in common – they all flow right into your bank account.

I know artists who actually make covers for books.

I know a lot of Thais and Indonesians who have online, exporting and importing businesses in terms of fruits, clothing and other miscellaneous things that make them a fortune.

The majority of the ultra-successful out there in the world just don’t have one source of income.  They have a variety of them.  This is one of the most brilliant ideas out there and just look at it this way, the more you give, the more opportunities you get.  Get involved and start to become a learner in a variety of different fields and see what other ‘average joes’ are doing to make an extra buck. I would recommend watching Bob Proctor and I even have a podcast that pertains to this blog down below.

Get with it!

Podcast –