To become wealthy, one first has to define wealth. I choose the word “wealthy” over the word “rich” because wealthy implies, to me, that there are enough resources (money, real estate, investments, etc.) amassed to pass on a sizable inheritance to the next generation.

The key to becoming wealthy is not complicated and it’s not even that difficult. The challenge is that you have to 1) believe that it’s possible 2) make every decision about your choice to become wealthy 3) be willing to stand against the crowd and 4) put  in the work to make it happen.

Believe that it’s possible

The hardest part about helping people achieve their goals is getting them to believe that their goals are achievable. People will tell you that they want to be stable, they want to be rich, they want to be wealthy … but  they say it’ll never happen. I have one response to that, “If you believe you can’t, then you’re right. If you believe you can, then you’re right” – Henry Ford.


Make every decision about your choice

Once you think that you can reach your goals you’ll notice that your mindset changes. Every decision that you make will revolve around this goal. If you want to buy a business, start a business, buy  a home, etc. every purchase you make will be decided by one question, “Is this purchase helping me achieve my goal?” It sounds simplistic, but it really is that easy. The average American wastes money every month. What if we could collect all the money that we waste and pool it together to achieve our financial goals? Guess what? We can.

Be willing to stand against the crowd

To make your goals come true you are going to have to be willing to be different from those around you…. or choose people that are headed in the same direction as you. Most of us have friends that we’ve had for years. We didn’t choose them because of their career goals or net worth. We chose them because they attended the same schools we did or they lived in the same neighborhood. As you start to change  your attitude and behavior you may notice that some folks are not supporting you. To achieve your goals you may have to not eat out as much, take as many trips, or spend as frivolously as you did before. People will make fun of you. Some will get angry with you. Others will leave you. Those that see your vision will encourage you. If you’re not willing to stand on your own, then the cause is already lost.

Put in the work

At the end of the day, no one can do it for you. Folks can support you, encourage you, and be there with you, but you’ll have to do the heavy lifting on your own. There is no short-cut for this part. You know what your goal is (you’ve written it down) and you know what you’ll need to do to get there.

Shay Olivarria is the most dynamic financial education speaker working today. She speaks at high schools, colleges, and companies across the country. She has written three books on personal finance, including Amazon Best Seller “Money Matters: The Get It Done in 1 Minute Workbook”. Shay has been quoted on,, and The Credit Union Times, among others. To schedule Shay to speak at your event visit


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