The good thing about money is that it does not discriminate. It does not care about your color, caste or dharma, what class you are, what your parents did. Each and every day starts with a clean slate so that no matter what you did in the past. We all have the same opportunities as anyone else has. The only thing that can hold you back is yourself and your own money myths. On the wealth of the world, each has as much as they take. There is no way money can know who is handling it, what their qualification are, what ambitions they have. Money has no ears or eyes or senses. It is there to be used and spent, saved and invested, fought over and worked for. I have watched a lot of extremely wealthy people, and the one thing they all have in common is that they have nothing in common--- apart from all being Rules Players, of course. But each of them want more money and so they have.

2. THE
RULES OF
MONEY
12 STARTEGIES THAT WILL
MAKE YOU WEALTHY
BY – KARMJEET PAHAL

3. “The money you make is the symbol of
value you create.”
-IDOWU KOYENICAN
“Money is not everything, but
everything needs money.”
“Save money and money will save you.”
“If you don’t get serious about your
money, you will never have real
money.”
- GRANT CARDONE

4. DEDICATION
I want to dedicate this book to all those
people who have impacted this world in
a positive way with their money. All
those people who do charity for those
who are not enough fortunate.

5. CONTENTS
Preface…..
1. Anyone can be wealthy.
2. Your Money Beliefs.
3. Decide why you want money?
4. Money and Happiness.
5. Know how the wealthy think.
6. Build a solid source of income.
7. Save more, Spend less.
8. Have an emergency fund.
9. Invest in yourself.
10.Invest in Real Estate.
11.Invest in stock market.
12.Create multiple sources of income.

6. BONUSES:

7. PREFACE……
I respect you for picking up this book. You
have decided to live your life by choice
rather than by chance. And for doing so, I
appreciate you.
Let me tell you how I got this idea
of writing this book. I will tell you honestly
that I am not any online guru or an expert
coach, I am a simple human being who
loves reading and writing books. Recently I
am going through a 100 day challenge of
reading 1 book per day. These are the self
help and non-fiction books. So, as I reading
those books I am writing summaries and

8. main points from those books and this is an
awesome knowledge and very helpful. Then
an idea come to mind that this knowledge
could help other millions of people who
don’t have much time to read 100 books, so
I decided to write a short and accurate book
of some top knowledge which I learnt after
reading 100 books. It excites me so much
that I am thinking about it again and again. I
finally decide to write a short and accurate
book on money management. In this book I
am going to share with you strategies and
tips that will make you super rich and
wealthy.

9. 1.
ANYONE CAN BE WEALTHY
“You have the same rights and
opportunities as everyone else to
become wealthy.”
The good thing about money is that it does
not discriminate. It does not care about
your color, caste or dharma, what class you
are, what your parents did. Each and every
day starts with a clean slate so that no
matter what you did in the past. We all
have the same opportunities as anyone else
has. The only thing that can hold you back is
yourself and your own money myths.

10. On the wealth of the world, each has as
much as they take. There is no way money
can know who is handling it, what their
qualification are, what ambitions they have.
Money has no ears or eyes or senses. It is
there to be used and spent, saved and
invested, fought over and worked for.
I have watched a lot of extremely wealthy
people, and the one thing they all have in
common is that they have nothing in
common--- apart from all being Rules
Players, of course. But each of them want
more money and so they have.

11. 2.
YOUR MONEY BELIEF’s
“Get rid of all beliefs that you can
question and accept are nonsense.”
We all grew up with money myths. We get a
lot of them from our parents and the way
they bring us up. Most of us have the
following beliefs:
 Money is the root of all evil.
 Money is dirty.
 I don’t deserve to be rich.
 Money is only made by the greedy and
dishonest.
 Money corrupts.

12.  You lose your friends If you get rich.
 You have to work too hard to get rich.
 Happiness and money make poor
bedfellows.
 The more you have, the more you will
want.
 It is somehow better to be poor.
 You must not brag about money.
 You can’t have money and be spiritually
pure.
Get rid of any that you can question and
accept are nonsense.
Now you can write new beliefs such as:
 Money is ok.
 Wanting money is ok.

13.  I am going to be wealthy.
 I am prepared to put in the work.
Wealthy people have none of the
troublesome money myths we poorer
people have.

14. 3.
DECIDE WHY YOU WANT
MONEY
“We all spend on what we think will
satisfy us, make us happy.”
This is part of your journey to decide why
you want to earn more money. There are
no right or wrong answers. For example,
making a lot of money and spend it on
alcohol seems to me a foolish thing to do.
But that’s personal. We all spend money on
things we think will satisfy us or make us
happy. We all choose our own pleasures.
So, why do want to be wealthy? The answer
you give will tell you a whole lot about your

15. hidden money myths and how you really
see money.
Sometimes it’s very simple. We have a
dream and we need the money to fulfill it.
The dreams comes first. What’s your
dream?
You can have different reasons like buying a
big house, a luxury car, travelling the world,
give your family a great life, make your
parents proud. Just find out your why.

16. 4.
MONEY AND HAPPINESS
“Money does not buy happiness; it buys
choices. It’s what you do with those
choices that makes us happy.”
There are lots of things that will make us
miserable---losing a partner, being made
redundant, getting sick. And lots more.
There are quite a few related to money and
spending:
 Too little money can make you
miserable.
 Too much money can make you
miserable.
 Too much stuff can make you miserable.

17.  Not having enough can make you
miserable.
Money and happiness are not necessarily
the same thing. Money does not buy
happiness. This is a common mistake
people make. It is not going to be one you
make. You can be poor and happy. You can
be rich and happy. You can be rich and
happy.
If you are looking to wealth to make you
happy, you will be disappointed.
Money is a placebo not a cure.

18. 5.
FIND HOW THE WEALTHY
THINK
“Follow the wealthy people systems
and you will be wealthy very soon.”
There is a simple test to determine whether
someone will end up wealthy or if they
already are. All you have to do is watch
someone read their favorite newspaper,
especially it’s one of the big Sundays:
 Notice which paper they choose.
 Notice which section they choose to
read.
 Notice which section they discard.
 Notice in which order they choose to
read each section.

19. This is a test for you, too. Have a look at the
above and notice what you do. The
wealthy—those who have deliberately
chosen to be wealthy rather than those
who have won the lottery or inherited.
 Chosen the more serious of the papers.
 Chosen the more serious sections.
 Read the money/business section first.
If you are serious about being wealthy, you
will have to learn how the wealthy think.

20. 6.
BUILD A SOLID SOURCE OF
INCOME
“If you will chase two rabbits, you will
not catch either one.”
If you are just a beginner and wants to
become rich early and retire early, you may
try to do so much things together because
you may thought that the more things you
will done, the more money you make. It’s a
myth which comes from our society and
education system.
But if you look at the real
super successful businessman, investors,

21. entrepreneurs etc. you might found that
they have multiple sources of income right
now but when they started their career,
first they focus on only one thing and build
a solid source of income which they
diversify later in their life to create multiple
sources of income.
It’s not only one thing. It’s one thing at
a time.
- Gary Keller
So, focus on building a solid source of
income which can pay you around
$10000 per month using the skill or
talent you have.

22. 7.
SAVE MORE, SPEND LESS
“Do not save what is left after spending,
spend what is left after saving.”
- Warren Buffet
At the starting of our career/job when we
start making some money then we get
excited and we spend our money to show
off to people who don’t even like us and to
our friends. This is one of the biggest
mistakes you could ever make. And almost
all of us did this at one point in our life but
we realize it later. Don’t waste money in
show off.

23. Another mistakes we make buying
things like I phone, car, house on EMI/loan.
We did this in excitement at that point of
time but we realize it later that we have
bound ourself to that job to pay emi for 20
years. Don’t spend unnecessary.
Make a thumb rule of saving at least 50%
of your income per month.
It’s not your salary what makes you
rich, it’s our spending habits.

24. 8.
HAVE AN EMERGENCY FUND
“There is always something coming in a
few months that will cost money, so be
prepared.”
Your emergency fund is not an investment,
it’s an insurance with one purpose – to
protect you and your family.
In this fast moving world, anything can
happen to anyone at any point of time. So,
we need to be prepared for even the worst
case.

25. We need to build an emergency fund for
our family and ourselves. We can either
save money by ourselves or we can take
insurance of health cover and death cover
for ourselves and our family.
We can also save our money in mutual
funds which will be in liquid form and we
can withdrawn it any time we need it.
You are advised to take insurance for your
family and also save money for emergency
in a mutual fund for emergency.

26. 9.
INVEST IN YOURSELF
“Investing in yourself is the best
investment you can ever make.”
- Warren buffet
Investing in yourself means invest in books
and courses which will help you mastering
the skill you are interested in and make you
grow in your life.
You can also invest in your health by
choosing a right diet plan which in turn will
keep you fit and healthy. Health is the most
important thing in our life and it should be.
Health is wealth.

27. You can invest in a course which will help
you make more money or teach you
something valuable.
It is said that investment in yourself gives
almost 200% return.
Never be afraid of investing in yourself at
any point of time.
Keep learning and keep growing.

28. 10.
INVEST IN REAL ESTATE
“90% of millionaires become so through
owning REAL ESTATE.”
Investing in real estate considered as one of
the safest and high return investment
because as time goes on the world
population will continuously growing and all
of them need houses to live so the prices of
property and houses will keep on rising.
If you have enough money then surely
invest in a property or specially home from
which you can earn monthly rent and it
could be your another source of income
and after sometime you can buy another

29. home on loan and rent it immediately. Keep
paying EMI from the rent you get from that
house and after some that house will be
completely yours and you can become
financially free by doing so or keep
leveraging.
You are strongly advised to invest in real
estate if you can.

30. 11.
INVEST IN STOCK MARKET
“The stock market is a device for
transferring money from impatient to
patient.”
- Warren Buffet
Due to digitalization and technology, it
becomes very easy for anyone from any
part of the world to invest stock market
with just help of your mobile and internet
connection.
If we look at the history of stock market, it
yields around 12-15% of return on our
money. So, it’s the highest return we
possibly could get and also compounding

31. come into play if we invest for long term.
But you have to learn stock market before
you start doing because otherwise it will be
gamble for you. You can learn stock market
basics from Youtube for free and start
investing in stocks.
You can start investing in stocks around
10% of your monthly income.
You are advised to learn stock market
basics before you start investing.

32. 12.
CREATE MULTIPLE SOURCES OF
INCOME
“Average millionaire have seven
sources of income.”
Now, your main focus should be on creating
multiple sources of income. You can create
both active and passive income sources for
yourself. I am going to share with you 14
income sources you can create:
1. Write a book
2. Create a course and sell it online
3. Open a small restaurant
4. Real estate
5. Stock market
6. Youtube channel

33. 7. Build your own website
8. Create an app
9. Affiliate marketing
10. E-commerce
11. Writing an e-book.
12. Selling on Amazon
13. Rent out extra space
14. Sell your old stuff.
You can try any of the above you are
interested in.

34. BONUSES
20 LIFE CHANGING LESSONS
1. Your thoughts define your
reality.
2. Live your life as a master
piece.
3. You have already
everything to become
successful in true
meanings.

35. 4. Your outside prosperity is
directly proportionate to
your inner prosperity.
5. Relationship is everything.
6. Your awareness about life
is the measure of your
growth.
7. You cannot change people
but you can definitely
change yourself.
8. Don’t think people are
poor due to lack of money

36. but in reality they are poor
in deciding what actually
they want in life.
9. Find some real reasons
why you should be
successful.
10. You can only change
those things about which
you have awareness of.
11. Change Is always good &
provides opportunities for
growth.

37. 12. Start your journey of
success from the situations
and conditions you
currently have.
13. Love Is everything.
14. Don’t blame others for
your life.
15. Your interaction skills
with people is the most
valuable asset you possess
for success.

38. 16. Don’t hesitate; simply ask
about what you don’t
know.
17. Make friends from every
field because that will
increase your interest &
enjoyment in life.
18. Make your own library of
real & positive books.
19. Only go to experts for
important suggestions.

39. 20. Your life is your own
responsibility and it’s you
who matters most in your
success.

40. 10 HABITS OF
EXTRAORDINARY PEOPLE
1. They are clear in what they
want.
2. They are passionate
dreamers.
3. They are perfect
networkers.
4. They have a friend circle of
extraordinary people.

41. 5. They always look for new
ideas and are ready to
learn them.
6. They love people and help
others to grow.
7. They use everything what
they have.
8. They think and talk of
abundance.
9. They are perfect speakers
and presenter of things.

42. 10. They love feedback and
use it for improvement.

43. THANK YOU NOTE………..
Hello everyone, thanks for giving your
precious time to reading this book. I tried to
give my best to share most accurate and
useful knowledge I learnt from reading over
100 plus books. Please leave us a comment
and review as a feedback for us.