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World’s richest 1% have more than twice wealth of 6.9 billion people combined: Oxfam report

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global wealth inequality is getting out
of control the world's richest 1% has more than twice the wealth of six point
nine billion people combined rmzo has the story a new report is highlighting
the widening degree of global inequality ahead of the World Economic Forum in
Davos which brings together some of the world's wealthiest and most influential
people the anti-poverty NGO Oxfam international study released on Monday
dubbed time to care shows the world's 2,153 billionaires have more wealth than
4.6 billion people who comprise 60% of the world's population it also says the
wealth of the world's billionaires is growing by 2.5 billion dollars every day
while the poorest half of the global population is getting poor Forbes list
of billionaires used by Oxfam said most of the wealthiest people are in the US
and they include Amazon's Jeff Bezos Microsoft Bill Gates Berkshire
Hathaway's Warren Buffett and Facebook's Mark Zuckerberg the report also
underscored gender inequality saying that 22 richest men have more money than
all the women in Africa combined the report noted that the number of
billionaires around the world has nearly doubled over the past decade since the
global economic crisis partly due to government policies such as the 2017 us
tax overhaul that cut taxes for rich people and corporations in America the
report states governments around the world are not doing enough to resolve
wealth inequality and it calls on policy makers to top inequality busting
policies Oxfam recommends nations to tax well that fairer levels saying that
taxing an additional half a percent on the world's richest 1% over the next
decade would generate enough funds to create 117 million jobs in education
health and elderly care and other sectors on ji-yong arirang news

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Inequality – how wealth becomes power (1/3) | DW Documentary

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this is the airfield for private jets at düsseldorf Airport entrepreneur Christoph gröna is one of Germany's super-rich people who have a lot of say in this country but a rarely heard in public corner is worth millions and private assets and company shares all of it and self-made [Music] let's say you have 250 million you could throw it out the window and it'll come back in through the door you can't destroy it you can buy cars and they go up in value you buy houses and real estate is worth more you buy gold and the gold prices go up you can't destroy money by consuming we've been following coasts of Kona for six months through him and many others this film takes a look at inequality in Germany a first glance Germany is a rich and powerful country full of opportunities but if you look closely you'll see wealth is more unevenly distributed here than in just about any other industrialized country success often depends on your background [Music] why is that do the differences threaten social cohesion and democracy to find some answers we go around the world and speak to a Nobel Prize winner and other experts who have looked deeply into the issue of inequality the world is at a crossroads today people sense that the control of their nation is being stolen from inequality is the most pressing social problem facing us today welcome to the land of inequality [Music] it's almost 8:00 in the morning in Berlin good longer my house the driver is already waiting when the boss comes he has to get moving right away Christophe Colonna a teacher son has made his way to the top often working 20 hours a day he's what's called a high achiever I don't have a driver because I'm lazier I think I'm too good for that on the contrary I like driving I'm a passionate motorist but the question is what does my company pay me for for sitting behind the steering wheel or for working corner earns his money with real estate hardly any company in Germany builds as much as his cg group does and in the housing market the prices only go in one direction upwards his company has just bought a very special building the developer wants to turn their Stieglitz a Keisel office block into the tallest residential tower in the city custom governor is always up for a challenge he wants to run all the way to the top in less than five minutes a race against himself 30 floors 120 meters 600 steps an employee times him with a stopwatch it's half a minute faster than the last time angry well it was pretty perfect but I could still do it better I could still remember back when I was finishing high school I watched Boris Becker when in Wimbledon and I thought just you wait I'll be right up there with you you know today's an apartment here will cost between five and ten thousand euros a square metre from up here corner can look down on many of his construction projects you can actually follow the trail of the last 20 years here in Berlin nearly 4,000 apartments and another 3,000 are under construction we've played a big role in housing construction here one stop this is Coronas headquarters in Berlin every company like this is a realm with the boss at the top and the staff beneath him corners company now employs 500 people they all have good contracts he says the 2015 tax statement from your brother there's a lot to pay one of his most important employees is his personal assistant Angelique Lisa you still in Dusseldorf then he'll be going on to Zurich then tomorrow he'll be back in Berlin Friday and Leipzig and then he'll be away over the long weekend and what about sleep not a lot there are rumors of between four and six hours I also don't think it'll be much more depending on how busy he is or whether he's traveling you can tell from when his emails arrive I'm an assistant like her has at least the same level of stress I have the boss is only as good as his assistant you don't notice it with her she's only been in the job for a few months so she's still fresh but she also has the Constitution for it Mario Lauterbach guards the door downstairs he's had a permanent contract as a security guard for half a year benzine outside gets in yeah but I went to school for 14 years I speak two or three foreign languages so if I ever got the opportunity again and had the initiative I could imagine becoming a lawyer or a judge that's something that interests me a lot latter Bach earns about 2,000 euros a month gross that's enough for a modest life but not much more his boss on the other hand has been able to build up millions of euros and assets can the guard live on what he earns from me that's what counts if he can then I've done my job as an employer if I pay a guard so little that he can't live off a salary then I've done something wrong so you think comparing him with you is nonsense of course it's nonsense I've stayed home from work due to sickness three times in 30 years ask my guard how many times he's been out sick if I have a slipped disc I come to work if I have a 40 degree fever I come to work if my wife quarrels with me and keeps me up all night I still come to work ask my security guard comparing us isn't fair or correct justification is miscarriage dismissed fish dish will he ever be able to afford a house with a pool of course not but he does not want that I know my security guards I know my caretakers would you like to trade places with her groaner didn't say yes right away I guess if I had to answer spontaneously my first answer would be no and I believe if I thought about it for a long time it would still be no that's actually got a lot less to do with him as a person or what he does it's just a question of my own attitude I wouldn't want to have that much responsibility would you like to have a house with the pool yes but then maybe not here in Germany where in Greece so whereas the one can only dream of a house with a pool the other can afford several properties Kristoff corner has a villa in Berlin and a penthouse in Cologne with a view of the cathedral but little time off how much distance should there be between those in the middle and those at the top and how big is the gap in reality there's a lot of data about poverty in the poor but very little about the rich estate asset registry would help but there isn't one and so a team from the German Institute for Economic Research is trying to find out more if you try to represent the wealth distribution in Germany in a graphic way you can do it quite simply on an a4 sheet of paper and a few look you can imagine a coordinate system like at school with an x-axis and a y-axis and with the y-axis this here I show the amount of wealth you can easily display ninety-five percent of the population on this sheet here in the – area because a part of the population is in debt or even insolvent and then there's a relatively broad area where assets are virtually zero until it finally starts to increase exponentially at the outer edge instructors this describes 95 percent of the population but the question is of course how far away is the richest person from this manager magazine puts the Reimann family business at the top of its rich list for Germany the family's estimated worth thirty three billion euros so if 95 percent of Germans are graphed on an a4 sheet that aemon's would be a whopping six point six kilometers further away every era has its mother lode in the past car makers made big money earlier still the families who owned the big trading houses became hugely wealthy now real estate developers have joined them gustaf corners rice began here in leipzig 20 years ago he invested when prices below it was all ruins or scrap [Music] I love everything you see to the left and right has been redeveloped built and rented out by us his company says it now builds one in three new apartments in the city but coast of Cavanaugh's Korea has been unusual he was not born a boss he used to work on construction sites himself every other stone has been replaced here with expertise with a sense of proportion to create an entirety and it helps if you have worked on scaffolding like this yourself I can do masonry I can lay concrete I can lay steel I can plaster walls lay tiles put up the sods that was my career the company started out as christophe grew nabokov Steen's to building services then we took on specialized construction then contractor work and project development until we became the company that we are today Kona has also invested in this former industrial district this is the class family Thomas and Kirkland with their two children they live in a rented apartment around the corner they wouldn't mind having one more room well you have to say it's an oasis in a built-up environment each building has nine classic apartments and two penthouses one large and one small at the top I'd like to show you all the floor plans in the trailer so we're about where the woman is right no the house is next to that the houses themselves or at least 20 meters further back to the penthouse apartments there we have a four room 123 square metre apartment with a 60 square meter roof terrace I think we need to be realistic the penthouse isn't what we need or what we can afford I take a classic four-room apartment with a balcony or shared garden I think that's what we'd be looking for that would interest us then let's take a look at a floor plan parents would practically have a separate wing here a sandpit playground and recreation area so in general the target group is young families yes typical young families give me some idea of the scale I'd be interested in a four-room apartment first floor would come at three thousand four hundred fifty euros the foreign apartment would cost four hundred and fifty thousand euros to buy the classes are a typical middle-class family they both have good jobs buying property used to be the way to start building up assets was a Matthias tarbush at the spoke we were 30 before we could even start to think about our old age and accumulating wealth to date now I'm almost 40 and we still haven't managed to put away much in terms of reserves I even come up with the minimum amount of capital so that banks will be able to give us a loan a sticking point the screens not food the other fueled 94 percent of buyers here aren't from Saxony that means this is currently a market where normal Saxons can't participate even each Michi encode the class family isn't the only one with little chance of owning their own place in all the richest 5% of Germans own half the apartments and houses every second person owns no property at all most Germans rent and are having to pay more and more for living space the purchase price of an 80 square metre apartment has soared in the last 10 years leipzig is an extreme case only 10% of the people here own real estate 60% of all new buildings and 94% of refurbished all buildings have gone to bias from out of town [Music] don't you want to get your shoes dirty mister I can feel pretty fastidious while the Klaus family hesitates others are snapping up the houses on the market did he make a killing again he did did he get another bargain we keep getting repeat offenders here they buy one house after another this is the third right it's his second his second complete one and the apartments before we went for a meal and I said it won't cost less than 4.5 and he got it for 3 well I'm crazy right today the time is ripe for us to make money here with the standard and my company urgently needs it that's not a crime no I don't think it is such a bad thing the real estate market is symptomatic it enables those on top to make more profits while others can hardly afford to live in their own city anymore behind this is the more basic question does profit for the one mean loss for the others today's typical property buyers are rich people well-off retirees yes and investors the others like Thomas Klaus and his colleagues can only look on [Music] honestly when I look at what's being built in the sluicey district I need a practical apartment to live in and I don't think they're building them to be lived in they're building them as investments and I can't join in that game none of my colleagues can't either that probably also creates housing that doesn't meet the needs of the city and most of the population scary because many people are being left behind banks digna there are many parts of life see who are nowadays you find one place with high priced apartments and another where the people who just couldn't afford to live in them anymore had to move to it's a crappy situation when you say that for whatever reason you have to get out of your apartment but you'd like to stay in your neighborhood but that's not possible [Music] in a neighborhood in the eastern part of Berlin bigger schlosser has been the scene of an escalating conflict between residents who are afraid of losing out economically and the man they accused of making the deal of his life here Gustov kkona arrives and his security guard stays close by when he's here he usually gets police protection I'm going to be disturbing your lunch break today so let me at least say good morning Korea has been the focus of an angry backlash his opponents filmed the first encounter with residents and protesters let me ask you is this a dialogue it was nice whether they were meeting me for the first time we could call it the birth of the boogeyman they got to see an entrepreneur who has arguments on his side and won't back down and it's precisely this stupid thinking that prevails in society there's always a direct connection he makes money and he's become wealthy so we must have stolen it from someone it's all about politics he's charging 12 euros a square metre nobody can afford that well we have smaller apartments 35 40 50 square meters which any nurse can afford even at 14 euros a square metre as long as it's well made has great light she'd love to live there instead of in 60 square meters over there for 8 euros a square metre Clara knows that many of his workmen or the police officers who protect him had difficulties finding affordable housing but he says his millions of square meters are not the cause of the problem but part of the solution [Music] how do you strike the right balance between rewarding achievement and letting everyone share in it what consequences does inequality have for society the real general finding is that inequality being a way of making people feel more distance from one another stretches the social fabric it phrased the social fabric it pulls us apart from one another physically experientially and psychologically there's nothing necessarily wrong with inequality of course people have an unequal endowments of intelligence and beauty and they have different parents and where I start to worry as a sociologist is when people accumulate dynastic wealth and dynastic wealth means a lot of money that gets transferred down through generations because that starts to stabilize systems of inequality across society and that constricts the opportunities available to everybody else coast of Ghana may have worked his way to the top but even for him there's still a glass ceiling you can't buy your way into the world of dynastic wealth you can only be born into it Kirsti on fly – best all-time traces his family tree back to the year 1135 he's a descendant of the fogers one of the richest families of the Middle Ages you can always use a winch to pull in the deer and you've killed a stag which normally weighs well over 100 kilos then you need mechanical help to get it into the vehicle would look a bit odd when you drive around towing a dead deer in a trailer people sometimes find that a little strange the car he's is to transport dead stags as an old Austrian military vehicle when bechtolsheim uses it in the 300 hectares of forest he owns somewhere in central Germany we're not allowed to say exactly where back was his condition for letting us film him discretion is everything why had some visits in the morning a forest is a wonderful feeling because you have the run of it so to speak Keltie I think it was the publisher of deed site countess den Hoff who once said you always have to own everything you love I can comprehend the question philosophically but if I answer according to my natural instincts I'd say yes I like owning things that I find beautiful man rush to gardenia demonize Shirin imprinted by citizens not Eagles it had the great inequality that exists room on your folks is wanted for the economy and it's unavoidable obviously if you're an entrepreneur and you have inherited something and keep it running properly you will have more than someone who's just an employee do you think that things are by and large fair in Germany yes by and large I do I don't sense any real feeling of injustice and the part of most people on the street lights Lord after stars it can be not having during the week from best Hawthorne works with a view of the main river in Frankfurt he heads what he calls the family office this exclusive establishment is essentially what used to be known as a private bank perhaps you should add that this is one of the few old Frankfurt patrician houses that survived the Second World War intact this old terrazzo floor or this handle this banister you don't often find them in Frankfort today these display cases you can see the remnants of what once made patrician dining culture so special Oscar Moffitt you have to imagine a family office as just that an office that takes care of the interests and all the financial needs of a single family or an individual that ranges from let's say five or ten million to several hundred million not even the employees know all the names of the bank's clientele the wealthy come via personal recommendations they know that from battle time will offer them something that normal savers can't get from a bank these days interest and returns on their money we've done work together to create an asset structure one for the future let's say you want to invest so and so much in real estate and with real estate you also have apartments and commercial buildings and maybe even logistics stick stocks it's maybe thirty percent you might put 10% into pensions and 10% in cash the rest is invested in other things private equity forestry and so on we help families to maintain their fortunes for generations that is what we aspire to the legend surrounding germany's post-war economic recovery sometimes and evokes the notion of a kind of monetary zero-hour when everyone supposedly had to start from scratch if you wanted to get rich you had to work your way up according to the myth what's photomask Noveck shortly before the first world war a former interior ministry official published an almanac of millionaires in buda Shanda in these books you still find numerous names that look very familiar today if you look at the lists of the wealthy you get the impression that old money plays a huge role among the big fortunes today I'm hiding guns awesome for moving our biases line the ups transition dean dean the gap between those who only have work do you and those who belong to the upper class has increased enormously if i took for clue such i think if people understood how how deeply unfair economic competition was in the modern global economy they really would be up in arms [Music] it's the end of Thomas class's shift after visiting the construction site he and his wife considered the real estate agents offer at the moment the family lives essentially from his income his wife has reduced her workers to take care of the children [Music] the children are eager to tell their father about the events of the day they visited their grandmother once the children go to bed the parents talk about buying the apartment in the middle of the city when this dish walked on join us mommy first you are all enthusiastic and a bit dazzled by the idea and the beautiful project and by the question about whom the project is aimed at well at young families like you on the one hand that's flattering but on the other hand when you then hear the price and think about it again these are dimensions where I say that a family like us are out of it we aren't expecting an inheritance or any other sources of outside money we have to earn it on a monthly basis four hundred fifty thousand euros I don't even know how many annual incomes that would be as I income in the severan so at some point you start to worry that the step downwards into the lower middle class is much closer than the step up into the upper middle class I think everyone has the same feeling I'm lucky I have a big employer I feel like I have won the jackpot in Leipzig but that doesn't mean that we can keep up with the developments in the real estate market being mauled the classes are not poor but they belong to a group that has come under pressure in recent years the middle class the people who have no fortunes but have to work for prosperity in recent months thousands have sent in comments online for this film project under the hashtag on Graceland for example they've reported their salaries an industrial clerk in the car industry 1600 euros net a social worker in a rehab clinic 1648 net a civil engineer nearly 2000 net a medical specialist work 12 years of training 2768 net a net income of 3500 euros puts a single person in Germany's top 10% of earners accumulated wealth is particularly unequal half the population has less than 17 thousand euros in reserve that would let them buy a base-model VW Golf all shoes and clothing for 1.6 children from birth to the age of 18 or just 3.3 square meters of a newly built apartment in Frankfurt the vast majority of the gains and income have gone to people at the very top of the income distribution in the top 1% of the income distribution and incomes for people in the middle class and below the middle class have essentially not increased or have even fallen at the bottom very large middle class is necessary for peaceful and democratic societies and if you now have polarization in rich countries and if you have shrinkage of the middle classes then you really have a problem or you are really moving to a new territory that is just unexplored yet in u.s.

The question can really a successful democracy exist with very polarized of citizenship with lots of people who are rich but also lots of people who are below the middle-class level the world is at a crossroads today that if it doesn't try to write a new social contract those who have been hurt the many many people who have been hurt will repel [Applause] there are a few places where all social strata come together but even where they do exist it doesn't mean that the pool the rich and the middle classes actually meet how are they doing they're playing tactically Costa Fiona has paid for a place in a luxury suite in Leipzig main soccer stadium we in the luxury area of paying for their cheaper tickets through our high contributions everyone makes their own contribution maybe that guy pays 20 years for a ticket I'm actually paying 2,000 for mine there's a certain justice there now at the family office in Frankfort the bank's own Forester has come to call I brought all the figures let's start with Finland Christian fund bechtolsheim has been using his clients money to buy up forests in Finland New Zealand and Uruguay what's benefited us you can see it here in the timber prices in Finland the development last year spruce and pine have seen a huge increase since 2016 and that works to our advantage the Sweden solution copy mm-hmm authorities German forests are just insanely expensive there are very few areas available and when an area opens up people jump on it like crazy surprises a double tripled quadrupled over the past 10 or 15 years of course this is also due to the low interest rates that we currently have people are looking for everything they can find where can you invest money where can you safely invested or invested very profitably it's an intrinsic conflict can we briefly talked about Uruguay how does the return look relative to our plans we're doing quite well Uruguay is our most conservative projects this is a new global form of capitalism financial capitalism to find out how the system works sociology stat Brooke Harrington first trained as an asset manager it's a global profession and that's why I had to go to 18 different countries you know from the Cayman Islands and the BVI all the way out to the Cook Islands in the middle of the South Pacific to the Seychelles and Mauritius to New York and London and Switzerland all over one of the things you learn in wealth management school is to regard the world as kind of a legal financial shopping mall and you go to each different state in the world the way you would go to shops in a mall picking out the laws and the conditions that are most favorable for what you want to do or what your client wants to do with a particular asset so what you have to know is a wealth manager is where's the best place to get the laws that you need to do what you want to do with the art collection or the yacht or the family business the family office is the starting point of a global investment chain the wealthy entrust from best all time with their money among other things he invests with these fund managers they send it all around the world ensuring it earns much more interest than say a normal savings account I'm glad that you're here to say it at the outset we are really satisfied with the performance you have achieved so far currently we are at nine point three percent since the beginning of the year they say the secret of their fund is automated investment they have an algorithm that scans the global economic situation and converts it into traffic light signals green means the computer buys a lot of shares and when the signal jumps to yellow will read fewer yeah the curve is flat and you can see it because the signal isn't dark green we do the market timing we are the ones who ensure that a customer can re-enter the market because we operate without emotion we have no emotions our entire set up our entire algorithm is purely quantitative normal geopolitical upheavals such as those in Syria or Ukraine none of them has such a global economic dimension that it could really knock the world economy out of sync and that's our benchmark where we would intervene in the traffic light it has to be an event that knocks the world economy off-balance and at least in history no conventional war has done that many people would now say here are six well-to-do people sitting at the table and all they're doing is trying to increase their wealth for many you are kind of an economic bloat what would you say to them frankly nothing because no one ever asks net I think it's pretty tricky in Germany everyone thinks he can join Deutsche Bank as a trainee at 18 then become an authorised signatory and then eventually a department head and then retire at the age of 65 as a class-b director with a palm tree in the office and a chair with arm rests that world is definitely over that's for sure in the context of modern investor capitalism there's been this massive shift of power from labor to investment it's called financialization dissonance cloud these are very clear elements of an artificial world for which only an abstract amount of money counts a vanished but not the quality of life locally among the peoples in the markets in society now you can get rich from being a rentier capitalist that is not from your work not from the sweat of your brow as they say but from putting your money at the right place and at the right time the right things Tomasz class has been working as an engineer for siemens for nine years he sits on the works council and could imagine staying here until he retires with or without a palm tree we have employees who have been trained here they've worked here all their lives it's like a family it's not just work it's a bit of family and a bit of life the staff and I are very attached to what we do here together during the day good mind some – just recently Siemens posted six billion euros in annual profits but then worrying rumors began circulating investors were reportedly putting pressure on the company saying this plant wasn't fit for the future actually nothing is secure even everyday life living in a rented apartment is insecure we're currently secured by a single income and that is now on very very shaky legs you suddenly realize that when you get a situation like the one we're in now students really insist [Music] a few streets away from the Siemens plant cassava corner has invited all his staff to the company Christmas party he just bought this old post office railway station his wife Anna and his youngest daughter are the first to show up then the boss arrives a lot is riding on him his employees are also worried for much the same reasons as Thomas Klaus in recent weeks the financial Press reported that investors have taken over 50% of the company's shares [Applause] before though dear friends family it's amazing to be able to stand among you you are my motivation seasoned minam will to pursue is easy where my strength yeah I think you have been convinced by a letter from the management perhaps signed by me that we are still the same family no matter who owns the shares no matter who will have a say and so forth yes we do Capital Markets yes we have to refinance ourselves yes we have to reposition ourselves I will also be doing that no matter in what post I will be available to you in the future what we have achieved so far as to be a truly great and big family have a nice evening and thank you at some point every company reaches a certain size where its banking and financing structures are no longer sufficient I have to deal with the financial institutions and all that if I have that under control then I will remain in my post but if I don't then I'll be voted out faster than you can possibly imagine [Music] it looks like the whole world is being shaken up by big money it's a game that few can play and even fewer can win but when those at the top stopped a jump ship and those below have to worry about a crash what effect does that have on a country today and in the future [Applause] [Music] [Applause] [Music]

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Generation Wealth – Official Trailer | Amazon Studios

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– If I wanna work 100 hours a
week and never see my family and die at an early age
that's my prerogative. – I would have money as big as this room. And kiss it. – 33 pounds of gold and diamonds
given to me by superstars of the world. – I love money. Come to me. – I've been a photographer for 25 years. With my lens focused on wealth,
I noticed that no matter how much people had, they still want more.

I wanna figure out why our
obsession with wealth has grown. It seemed to be a shift
in the American dream. – I know the name's of the
Kardashians better than I know the names of my neighbors. – This fictitious
lifestyle fuels this sense of inadequacy. – I have the classic Birkin
in almost every color. – The bags start $20,000 and go up. – I realized wealth was
much more than money. It was whatever gave us value. Fame, sex, even plastic surgery for dogs. – It's kind of like the end of Rome.

Society's accrue their greatest
wealth at the the moment that they face death. – If you look great and
you have a nice car, I'm all for it. But at the expense of what? – [Woman] You sell your soul to the devil. – You're so hungry for it you're blinded. – I am on the FBI most wanted list. – All of us are following the toxic dream. – If you think that money
will buy you anything and everything, you've
never ever had money. – Dollars, dinero, money is what it takes..

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How to Make Wealth look Undesirable: Succession

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have a drink have a drink you beautiful kabad 
crane [ __ ] you yeah oh well well I I got to   say Well done you won yeah yeah money [Music] 
wins Here's to Us it's impossible to talk about   succession without talking about money because 
every scene is basically drowning in dollar signs   the Roy are a who owns a vast media Empire 
anchored by Amusement parks and a reactionary   right-wing News Channel as a result they live
in a world that is totally defined by wealth they   wear the finest suits and take private Jets from 
luxurious penthouses to Countryside mansions, they eat the fanciest food they drink the fanciest 
wine they have extravagant leisure activities   every single centimeter of their lives has been 
tailor made to ensure they get only the best of   the best taken as a whole The Show paints a picture of what it looks like to live with   all the money in the world conceptually it's a 
fantasy we've seen played out on screen lots of   times before from popular TV series like Dynasty, 
Dallas Gossip Girl billions and big little lies   to hit movies like crazy Rich Asians and the Wolf 
of Wall Street how to to 1% lives is a major part   of our media diet some offer a pure celebration 
of access while some cast a more critical eye.

But pretty much all of them give us the vicarious 
thrill of watching the Filthy Rich play with their   money it's pretty straightforward wish fulfillment.
Most of us live the majority of Our Lives penned   in by Bank balances that are never as high as 
we'd like so it's no wonder we lust after the   idea of a wife where all those limitations just 
melt way and we can do whatever we want all the   time look here's the thing about being rich 
okay it's [ __ ] great okay it's like being a   superhero only better you get to do what you want 
the authorities can't really touch you you get to   wear costume but it's designed by Armani there is 
a term for this 'Wealth P*rn' which describes media   that exists primarily so we can salivate over 
designer clothes and Lux Apartments the term   was coined by journalist Harry P in the year 2000 
it described the fawny news coverage of eating the wealthy in Publications like fortune and Forbes.

But 
the term 'Wealth P*rn' becomes more loaded when it's   applied to Media that's ostensibly lampooning 
this excess while arguably indulging in it. The   Wolf of Wall Street and Billions for instance have 
both Continually divided critics as to where they   fall on this spectrum, so why are we so attracted 
to stories set within society's Upper Crust. Most   obviously wealth really looks good up on screen 
from Lux Apartments to designer clothes to Exotic   locals and the cinematography typically luxuriates 
in It. Cameras whir to capture the madcap excess   or Glide serenely across each perfectly manicured 
set. But that's not quite what we get in succession   their Apartments might be huge and their dinners 
might might cost more than any car I've ever   owned, but the world of the Roys rarely looks 
all that desirable, visually this comes from   the guerilla style of the cinematography the show 
uses free roaming cameramen to create a voyeuristic and lo-fi aesthetic.

This adds a DIY clumsiness 
to a designer World it also avoids the indulgent   Poise style as most media about the 1%. One of 
the show's directors Mark Mylod told Indiewire   that when filming the Roys in any opulent location he 
always makes sure the character is leading the cinematography rather than having a camera 
pan lovingly across a fancy set it's almost   an anti-athetic in terms of The Craft he says 
The show purposely avoids depicting Wealth as synonymous with beauty, the frequently unflattering 
lighting shows every dark under eye Circle   and wrinkle to Perfection and the beige color 
palette becomes overwhelming in its blandness   as series Creator Jesse Armstrong describes 
their lives are somewhat denuded of color. In   short for once being filthy Rich doesn't look 
filthy sexy and importantly the series used onset   wealth advisers de the cast fully inhabit the 
world of the one% grounding it into day-to-day   realism of Life as a rich person The Show was able to 
effectively de-eroticize the whole thing [Music] for example one piece of advice the cast received 
was about how they made their way in and out of   the helicopter notice that none of them ever duck 
the way we'de expect most people to.

That's because   when you've been traveling out way since childhood 
it's just natural is stepping onto a train or   climbing into a car which is maybe like Why Kendal
was so comfortable inside a helicopter that he   actively tries to drunkenly Pilot one because here's 
the thing if you dead Rich your whole life these   idea of being rich just isn't all that interesting 
Cinderella stories like crazy Rich Asians and Rise   and Fall Tales like Wolf of Wall Street are 
so effective because they give the audience   an avatar who enters the world of the wealthy with 
the same dwide Wonder as we would because Wealth P*rn is   really for those of us who will never experience 
that kind of opulence or unfettered freedom in real   life in contrast succession demystifies wealth the 
show pulls back the curtain to reveal the drudgery   and degradation required to create the seemless
luxury.

Like when the Roys are getting ready to   have any decadent Feast rather than simply having 
their tasty treats appear on screen Fully formed the   show depicts every bit of the Pain sticking work 
their staff takes to prepare and serve it and   then Logan gets mad about a bad smell and oders  
the whole thing destroyed before a single bite   has been eaten and I don't want all this sat around 
in the stink Pizza we'll have pizza and so we get   to watch that same Army of service clear 
away a few rent checks worth of a haute quisine and   where succession does show A Cinderella Story it's not 
quite such a whirlwind romance.

Conner whose best   friend is Ferris Buelle is initially paying Willa to 
spend time with him as an escort before the two of   them decide to go steady who but even after the 
relationship remains transaction Willa shacks up   with a delusional rich guy twice her age because 
it's the only realistic hope she has of funding   her own creative Ambitions no matter how ill 
advised they might be you I don't need to see   the reviews you know I don't care exactly the 
plays brilliant who cares what some old white   dude from The New York Times says it's easy to 
write Willa off as a Sly opportunist but Connor   is equally complicit lording his money over her to 
get what he wants and that brings us to the second   part of wealth p*rn's appeal cuz it's never just 
about the pretty things that money can buy but   the power that comes with it enough of this [__] will
make you invincible able to conquer the world and   eviscerate your enemies.

Yet another Rich guy 
thinks money makes you a defecto Super heroe  , which recent comic book Cinema has confirmed 
what are your superpowers again I'm rich but even   if you are building Batmobiles or bulletproof 
armor wealth gives you immunity from the rules   which govern most people's lives any problem 
you encounter can be whisked away in a lurry   of dollar bills yeah yeah money wins there is a 
somewhat dangerous appeal in the idea of being so   strong that we can bend the world around us to our 
wills and the Roys are all high on this particular   power fantasy one of the great joys of watching 
Succession is the Stiletto sharp dialogue which turns   each conversation into a knife fight you don't 
do many of these sioban uh no I'm I'm hard to   get I'm exceedingly easy to get he sure you'll 
understand but he's going to need to offer an   alternative face for this discussion alternative 
face what the [_] does that mean if I drop my pants   I can show you an alternative face how does 
that sound.

These moments also give us an insight into   what life at the top as life the Roy's brutal 
way of talking to one another is a manner of   establishing dominance generally bored of their 
extreme wealth the power it gives them is the   real high and it's a vital part of their identity 
too they all have to believe that they   are corporate Warriors battering your way to the 
top of the food chain through cunning resilience   and ruthlessness in reality the Roys are rarely 
as impressive as they think they are they like   to imagine themselves playing four-dimensional 
chess as they plot and scheme their way toward   the world domination but the truth is that the 
Roys are constantly bumping up against their own   shortcommings. Kendall is an insecure mess and torn 
between a desperation for his father's approval   and a furious desire to take revenge upon him. You 
have a hard time finding a happy medium between   worshiping him and wanting to kill him he's vaguely 
pathetic even needing a personal driver for his   badass motorcycle his anxiety leads him to bungle 
two separate coup attempts and it takes nearly   losing everything for him to finally take decisive 
action.

Roman has his own inadequacy issues which   have left him emotionally detached and sexually 
um incapacitated we never [ __ ] well yeah we do   no we don't. He covers this with an air of abrasive 
bravado but when push comes to shove he is still   a little boy terrified of his father. Siobhan often 
seems like the smartest and most confident sibling   but he and she continually overplace her hand and 
finds herself caught up in Logan's games and then   there's Connor who is so insulated by wealth that 
he has effectively lost touch with reality he's a   grown man living out quixotic fantasies until 
the money rise it's a half a mill a week I've   got AusterIitz. I've got my campaign and I'm not super 
liquid so I'm just I'm just wondering if I can hit   you for like like uh a little $100 Mil a little 
$100 Mil yeah well you maybe maybe but you have   to quit your campaign and at the end of the day 
every one of these kids just wants a kiss from   Daddy [ __ ] what the [ __ ] Frank how can we 
solve this this you still want to pursue this   yeah of course I want to pursue I want to announce 
this is part of the whole thing this is the secret   sauce do we need to sweeten the offer you want to 
bump the offer another point do you want to call   your dad do I want to call my dad no I don't want 
to call my dad do you want to call your dad no no   do you want to call your dad does anybody want to 
call their dad okay nobody wants to talk to their   [ __ ] dad so we've started so let's buy this 
[ __ ] company I'm pushing the bit to 120 okay   okay the truth is that none of the Royers of the 
machia ellian Geniuses that they think they are   when their plans succeed it's rarely because they 
intellectually outmaneuvered their opponents or   executed some daring scheme is just because they 
are really really rich clearly Kendall imagines   himself as the Unstoppable boardroom Warrior 
laying waste to his enemies and seizing what   he wants reality he's just a rich kid playing his 
dad's money he wasn't able to persuade seduce or   intimidate his opponent into a deal so he's just 
thrown money at him until he agrees there's no   marriage to his victory no proof of Talent OR 
character he wins as the Roy always do simply   because of how rich he is cuz I'm going to stuff 
your mouth with so much money you're going to Gold   figurines non-disclosure agreement non- voting 
shares non-compete I'm going to lock you in a   golden cage you with a silver dildo and pay you 
so much you sing whatever song I want and that's   ultimately who the Roy are that's why the show is 
able to avoid the wealth corn trap everything in   the Roy light what's expensive and yet practically 
n of it seems desirable it's clear that we aren't   watching the Masters of the Universe go about 
their dobly business instead they're just a bunch   of entric insecure [ __ ] lording her power so 
that they can feel important and even their most   extravagant moments tend to be tied up to bet it 
they'll buy out an entire theme park to in back   their children's love or barter holidays with 
their mother to save their dad a piece of real   estate ultimately all of their Adventures boil 
down to greedy squabbles over extra dollars I love   you uh-huh great thanks no I don't know I love you 
I love this rock bye Rock you're dead what does it mean I won't let anything happen to you you told   me you told me you wanted an open 
relationship on our [ __ ] wedding night oh so you been stewing on 
that well yes I have been St enough actually I'm not a hippie shift 
I don't want to stuff a dildo up   my I don't want I don't want to 
do threesome okay on our wedding   night bang Shanghai into a into 
a open borders free [ __ ] trade deal it was just an idea well that's that's 
a biggie just to throw in at the their world   for all its luxurious fitions is cold empty 
and real lessly Petty and so are they Rich's   kaida makes them so compelling you proposed to 
me you proposed to me in my lowest [ __ ] E my   dad was dying what was I supposed to say perhaps 
no I didn't want to hurt your feelings oh thanks   thanks for that yeah you really kept me safe 
while you ran off to [ __ ] the phone book we   can to see the broken Humanity that they have 
tried to paint over in Golden Leaf the parts of   him that are desper for acceptance terrified of 
failure and haunted by childhood demons and this   is actually pretty fitting while a lot of us 
might acquaint massive wealth with happiness   a number of studies suggest things are more 
complicated there's conflicting data but one   influential study actually found that money stops 
quote unquote buying happiness once you reached a   $75,000 salary what's more a striking number of 
billionaires become clinically depressed upon   hitting a big some researchers think that this is 
because material wealth can isolate you from other   people leading you to Value Independence 
over human connection and that's possibly   because only lots of fancy makes you feel more 
competitive with those around you it this kind   of isolation and lack of human connection 
is Right throughout succession we see it   in the jumpy dislocated camera moves and sterile 
environment and in the way the characters treat   each other when a recently sord of kidnapped 
Roman TR has to share his feelings with the   siblings he is roundly mocked for showing even 
a trace of vulnerability our feelings how am I   the mature one here we don't have any feelings 
what are you talking about in this way rather   than gawking at their Ladish Lifestyles or 
brilliant power moves the show reveals the   character's deeply damaged course their pettiness 
their jealousy their constant self- sabotage and   there's nothing pornographic about it however much 
we enjoy watching them screw each other like to be   married to a man with two [ __ ] if I was to give 
Tom a letter grade i' give him a B+ for Bad Plus terrible that was all [ __ ] me they hit me from 
every [ __ ] sign it's okay Tom you did good oh   I didn't get enough resour spend on me okay what 
the [ __ ] is going on I'm getting I was [ __ ]   from every direction are you [ __ ] me shiv Tom 
huh I'm the psy I'm the meat and the sandwich as   Jerry is a Bulletproof Monk Kendall Lan in reserve 
I'm the meat and the [ __ ] sandwich Cal down oh   [ __ ] fu oh [ __ ] oh [ __ ] oh [ __ ] okay 
oh [ __ ] guys everything is fine nothing bad   is happening here oh man oh my God [ __ ] man 
I just turned down a quarter of a billion and   now I'm going to jail forever cuz of this [ __ ] 
guy man this [ __ ] you outside out [ __ ] side now unbelievable [Music] Jess we keep an eye on you okay it's all right what a 
[ __ ] show what a [ __ ] [ __ ] show

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Income and Wealth Inequality: Crash Course Economics #17

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Jacob: Welcome to Crash Course Economics,
I'm Jacob Clifford… Adriene: …and I'm Adriene Hill. The world
is full of inequality. There's racial inequality, gender inequality, health, education, political
inequality, and of course, economic inequality. Some people are rich, and some people are
poor, and it can seem pretty impossible to fix. Jacob: Well, maybe not. [Theme Music] Jacob: So there are two main types of economic
inequality: wealth inequality and income inequality. Wealth is accumulated assets, minus liabilities
so it's the value of stuff like savings, pensions, real estate, and stocks. When we talk about
wealth inequality, we're basically talking about how assets are distributed. Income is
the new earnings that are constantly being added to that pile of wealth.

So when we talk
about income inequality, we're talking about how that new stuff is getting distributed. Point is,
they're not the same. Let's go to the Thought Bubble. Adriene: Let's look at both types of inequality
at the global level. Global wealth today is estimated at about 260 trillion dollars, and
is not distributed equally. One study shows that North America and Europe, while they
have less than 20% of the world's population, have 67% of the world's wealth. China, which
has more people than North America and Europe combined, has only about 8% of the wealth.
India and Africa together make up almost 30% of the population, but only share about 2%
of the world's wealth.

We're teaching economics, so we can focus on income inequality. These
ten people represent everyone on the planet, and they're lined up according to income.
Poorest over here and richest over here. This group represents the poorest 20%, this is
the second poorest 20%, the middle 20%, and so on. If we distributed a hundred dollars
based on current income trends, this group would get about 83 of those dollars, the next
richest would get 10 dollars, the middle gets four, the second poorest group would get two dollars
and the poorest 20% of humans would get one dollar. Branko Milanovic, an economist that specializes
in inequality, explained all this by describing an "economic big bang" – "At first, countries'
incomes were all bunched together, but with the Industrial Revolution the differences
exploded. It pushed some countries forward onto the path to higher incomes while others
stayed where they had been for millennia." According to Milanovic, in 1820, the richest
countries in the world – Great Britain and the Netherlands – were only three times richer
than the poorest, like India and China. Today, the gap between the richest and poorest nations is like
100:1. The gaps are getting bigger and bigger.

Thanks, Thought Bubble. The Industrial Revolution
created a lot of inequality between countries but today globalization and international trade are accelerating it.
Most economists agree that globalization has helped the world's poorest people, but it's
also helped the rich a lot more. Harvard economist Richard Freeman noted, "The triumph of globalization
and market capitalism has improved living standards for billions while concentrating
billions among the few." So, it's kind of a mixed bag. The very poor are doing a little better, but
the very rich are now a lot richer than everybody else. There are other reasons inequality is growing.
Economists point to something called "skill-biased technological change." The jobs created in
modernized economies are more technology-based, generally requiring new skills. Workers that
have the education and skills to do those jobs thrive, while others are left behind.
So, in a way, technology's become a complement for skilled workers but a replacement for
many unskilled workers.

The end result is an ever widening gap between not just the
poor and the rich, but also the poor and the working class. As economies develop and as
manufacturing jobs move overseas, low skill low pay and high skill high pay work are the
only jobs left. People with few skills fall behind in terms of income. In the last thirty
years in the US, the number of college-educated people living in poverty has doubled from
3% to 6%, which is bad! And then consider that during the same period of time, the number
of people living in poverty with a high school degree has risen from 6% to a whopping 22%.
Over the last fifty years, the salary of college graduates has continued to grow while, after
adjusting for inflation, high school graduates' incomes have actually dropped. It's a good
reason to stay in school! There are other reasons the income gap is
widening.

The reduced influence of unions, tax policies that favor the wealthy, and the
fact that somehow it's okay for CEOs to make salaries many, many times greater than those
of their employees. Also, race and gender and other forms of inequality can exacerbate
income equality. Jacob: Let's dive into the data for the United
States. We'll start by mentioning Max Lorenz, who created a graph to show income inequality.
Along the bottom we have the percent of households from 0-100% and along the side we have the
percent share of income.

By the way, we're using households rather than just looking
at individuals because many households have two income earners. So this straight line
right here represents perfect income equality. So every household earns the same income.
And while perfect income equality might look nice on the surface, it's not really the goal.
When different jobs have different incomes, people have incentive to become a doctor or
an entrepreneur or a YouTube star – you know, the jobs society really values. So this graph, called
the Lorenz curve, helps visualize the depth of inequality. Now, for 2010, the US Census Bureau found
that the poorest 20% of Americans made 3.3% of the income. And the richest 20% made over
50% of the income. So that's pretty unequal but has it always been like this? Well, in
1970, the bottom group earned 4.1% of the income and the top earned 43.3%.

By 1990,
things were even less equal so the 2010 numbers are just a continuation of the trend. And
it isn't just the poorest group that's losing ground. Over those 40 years, each of the bottom
groups or 80% households earned smaller and smaller shares of the total income. Now, from the Lorenz curve we can calculate
the most commonly used measure of income equality – the GINI Index. Now without jumping into
too much of the math, it's basically the size of the gap between the equal distribution
of income and the actual distribution. Now, 0 represents complete equality and 100 represents
complete inequality. Now, you might be surprised to learn the US doesn't have the highest income
inequality, but it does have the highest among Western industrialized nations.

The UK has
the highest in the EU. Adriene: The debate over income equality isn't
about whether it exists. It obviously does. The fight is over whether it's a problem and
what should be done about it. Let's start with those who don't think it's a big deal.
They tell you that the data suggests that the rich are getting richer and the poor are
getting poorer, but that might not be the case. Instead, it could be that all the groups
are making more money but the rich's share is just growing faster. Like, let's say you
own an apple tree and we pick 10 apples. You keep 6 and give me 4. A week later we pick
20 apples, you take 15 and give me 5. So my share of the total went down from 40% to 25%
but each of us still got more apples.

So it's true that people in the lowest income bracket have
earned a little more money in the last 40 years, but in the last 20 years, that average income has been falling.
Meanwhile, the rich have continually gotten richer. So, what's the richest guy on earth have to
say about it? Bill Gates said, "Yes, some level of inequality is built in to capitalism.
It's inherent to the system. The question is, what level of inequality is acceptable?
And when does inequality start doing more harm than good?" There's a growing group of
economists who believe income inequality in the US today is doing more harm.

They argue
that greater income inequality is associated with a lot of problems. They point to studies
that show countries with more inequality have more violence, drug abuse and incarcerations.
Income inequality also dilutes political equality, since the rich have a disproportionate say
in what policies move forward, and the rich have an incentive to promote policies that
benefit the rich. So, how do we address this inequality? There's
not a lot of agreement on this. Some argue that education is the key to reducing the
gap. Basically, workers with more and better education tend to have the skills that earn
higher income. Some economists push for an increased minimum wage, which we're going
to talk about in another episode. There's even an argument that access to affordable,
high quality childcare would go a long way. And some think governments should do more
to provide a social safety net, focus on getting more people to work and adjust the tax code
to redistribute income.

Jacob: Some economists call for the government
to increase income taxes and capital gains taxes on the rich. Income taxes in the US
are already somewhat progressive, which means that there are tax brackets that require the
rich to pay a higher percent of income. Right now, it peaks at around 40% but some economists
call for increases up to 50 or 60%. One idea is to fix loopholes that the rich use to avoid
paying taxes. Other economists argue that taxing the rich won't be as effective as reducing regulation
and bureaucratic red tape. It's unclear which path we're going to take but extreme income inequality
at the national and global level needs to be addressed. Motivation to improve income inequality may come
from a genuine desire to help people and level the playing field, or the fear of Hunger Games-style social
upheaval. But either way, the issue can't be ignored. Adriene: Even Adam Smith, the most classical
of classical economists, said, "No society can surely be flourishing and happy of which
the far greater part of the members are poor and miserable." Thanks for watching, we'll
see you next week.

Jacob: Thanks for watching Crash Course Economics.
It was made with the help of all of these nice people. You can help keep Crash Course
free for everyone forever by supporting the show at Patreon. Patreon is a voluntary subscription
service where you can support the show with monthly contributions. We'd like to thank
our High Chancellor of Learning, Dr. Brett Henderson and our Headmaster of Learning,
Linnea Boyev, and Crash Course Vice Principal Cathy and Kim Philip. Thanks for watching,
DFTBA..

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2 Laws for Generating Wealth

Jason 0 Comments Retire Wealthy

Any successful plan to generate and sustain
sufficient wealth must incorporate two very basic rules: 1) Generate Investible Savings. The first step to unlock the path to building
tremendous wealth is not about investing at all. It is about generating Investable assets. For most people this begins by terminating
any expensive debt such as credit card or high interest debt. The reason being that expensive debt increases
one’s expenses and eats into investable resources. Second step for most people is redefining
certain parts of their remaining income as compulsory payments that must be done. That payment is, in fact, the first step of
savings for investing. The third step for most people is to invest
time and entrepreneurial energy to increase their gross income. Getting a better job, a promotion, a new skill
or starting a business that can generate profits disconnected from your immediate personal
labor resources. The fourth step would be establishing some
kind of an emergency fund and getting sufficient insurance to cover yourself against unpredicted
expenses. When the four steps are done, you can start
generating sufficient investable assets that can be put to work growing over a minimal
period of five years.

When this is done, you can proceed to the
next rule. 2) Invest investable savings into exponentially
growing assets, growing for many years while limiting the taxes you pay. Once you generate investable assets and are
ready to put them to work, comes the next tough question: Where should I deploy my investable
assets to maximize my investment and to generate more wealth? You should know that any and all investable
assets you will ever encounter can belong to one or another of these two categories:
Exponentially Growing Assets or Regular Growth Assets.

If you ever hope to generate sufficient wealth
from your investable assets, you must learn how to separate your exponential growing assets
from your regular growth assets and then make sure you are sufficiently exposed to the exponentially
growing asset class. Exponentially growing assets are a rare creature
few understand, even among seasoned investors. There is a set of strict rules to become eligible
for the coveted title: A) At their very core, they must yield very
high returns on internally invested resources and expenses – such as inventory, labor, plant
& factory or R&D; What sets exponentially growing assets apart
from any and all investable assets is their ability to make a large profit on a small
base of required resources. The more expenses and investments one needs
to make a profit, the less profit is left to increase the value of the asset itself. B) They must have sufficiently large market opportunities
ahead of them to enable many years of sales growth displaying high returns on invested
resources; While many possible assets can generate high
rate of return, exponentially growing assets are not a one-off occurrence or limited activity
and must be able to maintain their course of growth over many years to build sufficient
appreciation for their owners.

C) They must provide extensive internal reinvestment
opportunities to use profits at similarly high returns To really become an exponentially growing
asset capable of building imaginary amounts of wealth, the asset must provide managers
the ability to use the rivers of cash generated regularly from the asset in a similar high
rate of return. When these criteria aren’t met, owners soon
realize the resulting rivers of profits do not grow at a high rate and the growth in
wealth soon slows down due to the ever-growing profits invested in lower rate growing assets.

D) They must be led by honest, high integrity,
talented managers, who are actually risking their own wealth alongside their investors. For these executives, a small increase in
the share price will generate much greater wealth than any increase to their paycheck. Executives of public companies have the ability
to loot the company’s coffers or engage in wealth destruction in an infinity of ways. To avoid that, check to see how large your
CEO’s stake in the company stock is before choosing any investment.

As long as the company still embodies the
4 rules that we covered here, you stay invested; this is the one last requirement when investing
in exponentially growing assets. ALL exponentially growing assets see their
stock price cut in half several times during the decades, usually due to different parameters
that don’t reflect the actual company value. Holding these assets through turbulences,
and even adding to them, requires temperament and familiar understanding of the business,
which results in the conviction to stay the course..

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Inequality – how wealth becomes power (1/3) | DW Documentary

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this is the airfield for private jets at düsseldorf Airport entrepreneur Christoph gröna is one of Germany's super-rich people who have a lot of say in this country but a rarely heard in public corner is worth millions and private assets and company shares all of it and self-made [Music] let's say you have 250 million you could throw it out the window and it'll come back in through the door you can't destroy it you can buy cars and they go up in value you buy houses and real estate is worth more you buy gold and the gold prices go up you can't destroy money by consuming we've been following coasts of Kona for six months through him and many others this film takes a look at inequality in Germany a first glance Germany is a rich and powerful country full of opportunities but if you look closely you'll see wealth is more unevenly distributed here than in just about any other industrialized country success often depends on your background [Music] why is that do the differences threaten social cohesion and democracy to find some answers we go around the world and speak to a Nobel Prize winner and other experts who have looked deeply into the issue of inequality the world is at a crossroads today people sense that the control of their nation is being stolen from inequality is the most pressing social problem facing us today welcome to the land of inequality [Music] it's almost 8:00 in the morning in Berlin good longer my house the driver is already waiting when the boss comes he has to get moving right away Christophe Colonna a teacher son has made his way to the top often working 20 hours a day he's what's called a high achiever I don't have a driver because I'm lazier I think I'm too good for that on the contrary I like driving I'm a passionate motorist but the question is what does my company pay me for for sitting behind the steering wheel or for working corner earns his money with real estate hardly any company in Germany builds as much as his cg group does and in the housing market the prices only go in one direction upwards his company has just bought a very special building the developer wants to turn their Stieglitz a Keisel office block into the tallest residential tower in the city custom governor is always up for a challenge he wants to run all the way to the top in less than five minutes a race against himself 30 floors 120 meters 600 steps an employee times him with a stopwatch it's half a minute faster than the last time angry well it was pretty perfect but I could still do it better I could still remember back when I was finishing high school I watched Boris Becker when in Wimbledon and I thought just you wait I'll be right up there with you you know today's an apartment here will cost between five and ten thousand euros a square metre from up here corner can look down on many of his construction projects you can actually follow the trail of the last 20 years here in Berlin nearly 4,000 apartments and another 3,000 are under construction we've played a big role in housing construction here one stop this is Coronas headquarters in Berlin every company like this is a realm with the boss at the top and the staff beneath him corners company now employs 500 people they all have good contracts he says the 2015 tax statement from your brother there's a lot to pay one of his most important employees is his personal assistant Angelique Lisa you still in Dusseldorf then he'll be going on to Zurich then tomorrow he'll be back in Berlin Friday and Leipzig and then he'll be away over the long weekend and what about sleep not a lot there are rumors of between four and six hours I also don't think it'll be much more depending on how busy he is or whether he's traveling you can tell from when his emails arrive I'm an assistant like her has at least the same level of stress I have the boss is only as good as his assistant you don't notice it with her she's only been in the job for a few months so she's still fresh but she also has the Constitution for it Mario Lauterbach guards the door downstairs he's had a permanent contract as a security guard for half a year benzine outside gets in yeah but I went to school for 14 years I speak two or three foreign languages so if I ever got the opportunity again and had the initiative I could imagine becoming a lawyer or a judge that's something that interests me a lot latter Bach earns about 2,000 euros a month gross that's enough for a modest life but not much more his boss on the other hand has been able to build up millions of euros and assets can the guard live on what he earns from me that's what counts if he can then I've done my job as an employer if I pay a guard so little that he can't live off a salary then I've done something wrong so you think comparing him with you is nonsense of course it's nonsense I've stayed home from work due to sickness three times in 30 years ask my guard how many times he's been out sick if I have a slipped disc I come to work if I have a 40 degree fever I come to work if my wife quarrels with me and keeps me up all night I still come to work ask my security guard comparing us isn't fair or correct justification is miscarriage dismissed fish dish will he ever be able to afford a house with a pool of course not but he does not want that I know my security guards I know my caretakers would you like to trade places with her groaner didn't say yes right away I guess if I had to answer spontaneously my first answer would be no and I believe if I thought about it for a long time it would still be no that's actually got a lot less to do with him as a person or what he does it's just a question of my own attitude I wouldn't want to have that much responsibility would you like to have a house with the pool yes but then maybe not here in Germany where in Greece so whereas the one can only dream of a house with a pool the other can afford several properties Kristoff corner has a villa in Berlin and a penthouse in Cologne with a view of the cathedral but little time off how much distance should there be between those in the middle and those at the top and how big is the gap in reality there's a lot of data about poverty in the poor but very little about the rich estate asset registry would help but there isn't one and so a team from the German Institute for Economic Research is trying to find out more if you try to represent the wealth distribution in Germany in a graphic way you can do it quite simply on an a4 sheet of paper and a few look you can imagine a coordinate system like at school with an x-axis and a y-axis and with the y-axis this here I show the amount of wealth you can easily display ninety-five percent of the population on this sheet here in the – area because a part of the population is in debt or even insolvent and then there's a relatively broad area where assets are virtually zero until it finally starts to increase exponentially at the outer edge instructors this describes 95 percent of the population but the question is of course how far away is the richest person from this manager magazine puts the Reimann family business at the top of its rich list for Germany the family's estimated worth thirty three billion euros so if 95 percent of Germans are graphed on an a4 sheet that aemon's would be a whopping six point six kilometers further away every era has its mother lode in the past car makers made big money earlier still the families who owned the big trading houses became hugely wealthy now real estate developers have joined them gustaf corners rice began here in leipzig 20 years ago he invested when prices below it was all ruins or scrap [Music] I love everything you see to the left and right has been redeveloped built and rented out by us his company says it now builds one in three new apartments in the city but coast of Cavanaugh's Korea has been unusual he was not born a boss he used to work on construction sites himself every other stone has been replaced here with expertise with a sense of proportion to create an entirety and it helps if you have worked on scaffolding like this yourself I can do masonry I can lay concrete I can lay steel I can plaster walls lay tiles put up the sods that was my career the company started out as christophe grew nabokov Steen's to building services then we took on specialized construction then contractor work and project development until we became the company that we are today Kona has also invested in this former industrial district this is the class family Thomas and Kirkland with their two children they live in a rented apartment around the corner they wouldn't mind having one more room well you have to say it's an oasis in a built-up environment each building has nine classic apartments and two penthouses one large and one small at the top I'd like to show you all the floor plans in the trailer so we're about where the woman is right no the house is next to that the houses themselves or at least 20 meters further back to the penthouse apartments there we have a four room 123 square metre apartment with a 60 square meter roof terrace I think we need to be realistic the penthouse isn't what we need or what we can afford I take a classic four-room apartment with a balcony or shared garden I think that's what we'd be looking for that would interest us then let's take a look at a floor plan parents would practically have a separate wing here a sandpit playground and recreation area so in general the target group is young families yes typical young families give me some idea of the scale I'd be interested in a four-room apartment first floor would come at three thousand four hundred fifty euros the foreign apartment would cost four hundred and fifty thousand euros to buy the classes are a typical middle-class family they both have good jobs buying property used to be the way to start building up assets was a Matthias tarbush at the spoke we were 30 before we could even start to think about our old age and accumulating wealth to date now I'm almost 40 and we still haven't managed to put away much in terms of reserves I even come up with the minimum amount of capital so that banks will be able to give us a loan a sticking point the screens not food the other fueled 94 percent of buyers here aren't from Saxony that means this is currently a market where normal Saxons can't participate even each Michi encode the class family isn't the only one with little chance of owning their own place in all the richest 5% of Germans own half the apartments and houses every second person owns no property at all most Germans rent and are having to pay more and more for living space the purchase price of an 80 square metre apartment has soared in the last 10 years leipzig is an extreme case only 10% of the people here own real estate 60% of all new buildings and 94% of refurbished all buildings have gone to bias from out of town [Music] don't you want to get your shoes dirty mister I can feel pretty fastidious while the Klaus family hesitates others are snapping up the houses on the market did he make a killing again he did did he get another bargain we keep getting repeat offenders here they buy one house after another this is the third right it's his second his second complete one and the apartments before we went for a meal and I said it won't cost less than 4.5 and he got it for 3 well I'm crazy right today the time is ripe for us to make money here with the standard and my company urgently needs it that's not a crime no I don't think it is such a bad thing the real estate market is symptomatic it enables those on top to make more profits while others can hardly afford to live in their own city anymore behind this is the more basic question does profit for the one mean loss for the others today's typical property buyers are rich people well-off retirees yes and investors the others like Thomas Klaus and his colleagues can only look on [Music] honestly when I look at what's being built in the sluicey district I need a practical apartment to live in and I don't think they're building them to be lived in they're building them as investments and I can't join in that game none of my colleagues can't either that probably also creates housing that doesn't meet the needs of the city and most of the population scary because many people are being left behind banks digna there are many parts of life see who are nowadays you find one place with high priced apartments and another where the people who just couldn't afford to live in them anymore had to move to it's a crappy situation when you say that for whatever reason you have to get out of your apartment but you'd like to stay in your neighborhood but that's not possible [Music] in a neighborhood in the eastern part of Berlin bigger schlosser has been the scene of an escalating conflict between residents who are afraid of losing out economically and the man they accused of making the deal of his life here Gustov kkona arrives and his security guard stays close by when he's here he usually gets police protection I'm going to be disturbing your lunch break today so let me at least say good morning Korea has been the focus of an angry backlash his opponents filmed the first encounter with residents and protesters let me ask you is this a dialogue it was nice whether they were meeting me for the first time we could call it the birth of the boogeyman they got to see an entrepreneur who has arguments on his side and won't back down and it's precisely this stupid thinking that prevails in society there's always a direct connection he makes money and he's become wealthy so we must have stolen it from someone it's all about politics he's charging 12 euros a square metre nobody can afford that well we have smaller apartments 35 40 50 square meters which any nurse can afford even at 14 euros a square metre as long as it's well made has great light she'd love to live there instead of in 60 square meters over there for 8 euros a square metre Clara knows that many of his workmen or the police officers who protect him had difficulties finding affordable housing but he says his millions of square meters are not the cause of the problem but part of the solution [Music] how do you strike the right balance between rewarding achievement and letting everyone share in it what consequences does inequality have for society the real general finding is that inequality being a way of making people feel more distance from one another stretches the social fabric it phrased the social fabric it pulls us apart from one another physically experientially and psychologically there's nothing necessarily wrong with inequality of course people have an unequal endowments of intelligence and beauty and they have different parents and where I start to worry as a sociologist is when people accumulate dynastic wealth and dynastic wealth means a lot of money that gets transferred down through generations because that starts to stabilize systems of inequality across society and that constricts the opportunities available to everybody else coast of Ghana may have worked his way to the top but even for him there's still a glass ceiling you can't buy your way into the world of dynastic wealth you can only be born into it Kirsti on fly – best all-time traces his family tree back to the year 1135 he's a descendant of the fogers one of the richest families of the Middle Ages you can always use a winch to pull in the deer and you've killed a stag which normally weighs well over 100 kilos then you need mechanical help to get it into the vehicle would look a bit odd when you drive around towing a dead deer in a trailer people sometimes find that a little strange the car he's is to transport dead stags as an old Austrian military vehicle when bechtolsheim uses it in the 300 hectares of forest he owns somewhere in central Germany we're not allowed to say exactly where back was his condition for letting us film him discretion is everything why had some visits in the morning a forest is a wonderful feeling because you have the run of it so to speak Keltie I think it was the publisher of deed site countess den Hoff who once said you always have to own everything you love I can comprehend the question philosophically but if I answer according to my natural instincts I'd say yes I like owning things that I find beautiful man rush to gardenia demonize Shirin imprinted by citizens not Eagles it had the great inequality that exists room on your folks is wanted for the economy and it's unavoidable obviously if you're an entrepreneur and you have inherited something and keep it running properly you will have more than someone who's just an employee do you think that things are by and large fair in Germany yes by and large I do I don't sense any real feeling of injustice and the part of most people on the street lights Lord after stars it can be not having during the week from best Hawthorne works with a view of the main river in Frankfurt he heads what he calls the family office this exclusive establishment is essentially what used to be known as a private bank perhaps you should add that this is one of the few old Frankfurt patrician houses that survived the Second World War intact this old terrazzo floor or this handle this banister you don't often find them in Frankfort today these display cases you can see the remnants of what once made patrician dining culture so special Oscar Moffitt you have to imagine a family office as just that an office that takes care of the interests and all the financial needs of a single family or an individual that ranges from let's say five or ten million to several hundred million not even the employees know all the names of the bank's clientele the wealthy come via personal recommendations they know that from battle time will offer them something that normal savers can't get from a bank these days interest and returns on their money we've done work together to create an asset structure one for the future let's say you want to invest so and so much in real estate and with real estate you also have apartments and commercial buildings and maybe even logistics stick stocks it's maybe thirty percent you might put 10% into pensions and 10% in cash the rest is invested in other things private equity forestry and so on we help families to maintain their fortunes for generations that is what we aspire to the legend surrounding germany's post-war economic recovery sometimes and evokes the notion of a kind of monetary zero-hour when everyone supposedly had to start from scratch if you wanted to get rich you had to work your way up according to the myth what's photomask Noveck shortly before the first world war a former interior ministry official published an almanac of millionaires in buda Shanda in these books you still find numerous names that look very familiar today if you look at the lists of the wealthy you get the impression that old money plays a huge role among the big fortunes today I'm hiding guns awesome for moving our biases line the ups transition dean dean the gap between those who only have work do you and those who belong to the upper class has increased enormously if i took for clue such i think if people understood how how deeply unfair economic competition was in the modern global economy they really would be up in arms [Music] it's the end of Thomas class's shift after visiting the construction site he and his wife considered the real estate agents offer at the moment the family lives essentially from his income his wife has reduced her workers to take care of the children [Music] the children are eager to tell their father about the events of the day they visited their grandmother once the children go to bed the parents talk about buying the apartment in the middle of the city when this dish walked on join us mommy first you are all enthusiastic and a bit dazzled by the idea and the beautiful project and by the question about whom the project is aimed at well at young families like you on the one hand that's flattering but on the other hand when you then hear the price and think about it again these are dimensions where I say that a family like us are out of it we aren't expecting an inheritance or any other sources of outside money we have to earn it on a monthly basis four hundred fifty thousand euros I don't even know how many annual incomes that would be as I income in the severan so at some point you start to worry that the step downwards into the lower middle class is much closer than the step up into the upper middle class I think everyone has the same feeling I'm lucky I have a big employer I feel like I have won the jackpot in Leipzig but that doesn't mean that we can keep up with the developments in the real estate market being mauled the classes are not poor but they belong to a group that has come under pressure in recent years the middle class the people who have no fortunes but have to work for prosperity in recent months thousands have sent in comments online for this film project under the hashtag on Graceland for example they've reported their salaries an industrial clerk in the car industry 1600 euros net a social worker in a rehab clinic 1648 net a civil engineer nearly 2000 net a medical specialist work 12 years of training 2768 net a net income of 3500 euros puts a single person in Germany's top 10% of earners accumulated wealth is particularly unequal half the population has less than 17 thousand euros in reserve that would let them buy a base-model VW Golf all shoes and clothing for 1.6 children from birth to the age of 18 or just 3.3 square meters of a newly built apartment in Frankfurt the vast majority of the gains and income have gone to people at the very top of the income distribution in the top 1% of the income distribution and incomes for people in the middle class and below the middle class have essentially not increased or have even fallen at the bottom very large middle class is necessary for peaceful and democratic societies and if you now have polarization in rich countries and if you have shrinkage of the middle classes then you really have a problem or you are really moving to a new territory that is just unexplored yet in u.s.

The question can really a successful democracy exist with very polarized of citizenship with lots of people who are rich but also lots of people who are below the middle-class level the world is at a crossroads today that if it doesn't try to write a new social contract those who have been hurt the many many people who have been hurt will repel [Applause] there are a few places where all social strata come together but even where they do exist it doesn't mean that the pool the rich and the middle classes actually meet how are they doing they're playing tactically Costa Fiona has paid for a place in a luxury suite in Leipzig main soccer stadium we in the luxury area of paying for their cheaper tickets through our high contributions everyone makes their own contribution maybe that guy pays 20 years for a ticket I'm actually paying 2,000 for mine there's a certain justice there now at the family office in Frankfort the bank's own Forester has come to call I brought all the figures let's start with Finland Christian fund bechtolsheim has been using his clients money to buy up forests in Finland New Zealand and Uruguay what's benefited us you can see it here in the timber prices in Finland the development last year spruce and pine have seen a huge increase since 2016 and that works to our advantage the Sweden solution copy mm-hmm authorities German forests are just insanely expensive there are very few areas available and when an area opens up people jump on it like crazy surprises a double tripled quadrupled over the past 10 or 15 years of course this is also due to the low interest rates that we currently have people are looking for everything they can find where can you invest money where can you safely invested or invested very profitably it's an intrinsic conflict can we briefly talked about Uruguay how does the return look relative to our plans we're doing quite well Uruguay is our most conservative projects this is a new global form of capitalism financial capitalism to find out how the system works sociology stat Brooke Harrington first trained as an asset manager it's a global profession and that's why I had to go to 18 different countries you know from the Cayman Islands and the BVI all the way out to the Cook Islands in the middle of the South Pacific to the Seychelles and Mauritius to New York and London and Switzerland all over one of the things you learn in wealth management school is to regard the world as kind of a legal financial shopping mall and you go to each different state in the world the way you would go to shops in a mall picking out the laws and the conditions that are most favorable for what you want to do or what your client wants to do with a particular asset so what you have to know is a wealth manager is where's the best place to get the laws that you need to do what you want to do with the art collection or the yacht or the family business the family office is the starting point of a global investment chain the wealthy entrust from best all time with their money among other things he invests with these fund managers they send it all around the world ensuring it earns much more interest than say a normal savings account I'm glad that you're here to say it at the outset we are really satisfied with the performance you have achieved so far currently we are at nine point three percent since the beginning of the year they say the secret of their fund is automated investment they have an algorithm that scans the global economic situation and converts it into traffic light signals green means the computer buys a lot of shares and when the signal jumps to yellow will read fewer yeah the curve is flat and you can see it because the signal isn't dark green we do the market timing we are the ones who ensure that a customer can re-enter the market because we operate without emotion we have no emotions our entire set up our entire algorithm is purely quantitative normal geopolitical upheavals such as those in Syria or Ukraine none of them has such a global economic dimension that it could really knock the world economy out of sync and that's our benchmark where we would intervene in the traffic light it has to be an event that knocks the world economy off-balance and at least in history no conventional war has done that many people would now say here are six well-to-do people sitting at the table and all they're doing is trying to increase their wealth for many you are kind of an economic bloat what would you say to them frankly nothing because no one ever asks net I think it's pretty tricky in Germany everyone thinks he can join Deutsche Bank as a trainee at 18 then become an authorised signatory and then eventually a department head and then retire at the age of 65 as a class-b director with a palm tree in the office and a chair with arm rests that world is definitely over that's for sure in the context of modern investor capitalism there's been this massive shift of power from labor to investment it's called financialization dissonance cloud these are very clear elements of an artificial world for which only an abstract amount of money counts a vanished but not the quality of life locally among the peoples in the markets in society now you can get rich from being a rentier capitalist that is not from your work not from the sweat of your brow as they say but from putting your money at the right place and at the right time the right things Tomasz class has been working as an engineer for siemens for nine years he sits on the works council and could imagine staying here until he retires with or without a palm tree we have employees who have been trained here they've worked here all their lives it's like a family it's not just work it's a bit of family and a bit of life the staff and I are very attached to what we do here together during the day good mind some – just recently Siemens posted six billion euros in annual profits but then worrying rumors began circulating investors were reportedly putting pressure on the company saying this plant wasn't fit for the future actually nothing is secure even everyday life living in a rented apartment is insecure we're currently secured by a single income and that is now on very very shaky legs you suddenly realize that when you get a situation like the one we're in now students really insist [Music] a few streets away from the Siemens plant cassava corner has invited all his staff to the company Christmas party he just bought this old post office railway station his wife Anna and his youngest daughter are the first to show up then the boss arrives a lot is riding on him his employees are also worried for much the same reasons as Thomas Klaus in recent weeks the financial Press reported that investors have taken over 50% of the company's shares [Applause] before though dear friends family it's amazing to be able to stand among you you are my motivation seasoned minam will to pursue is easy where my strength yeah I think you have been convinced by a letter from the management perhaps signed by me that we are still the same family no matter who owns the shares no matter who will have a say and so forth yes we do Capital Markets yes we have to refinance ourselves yes we have to reposition ourselves I will also be doing that no matter in what post I will be available to you in the future what we have achieved so far as to be a truly great and big family have a nice evening and thank you at some point every company reaches a certain size where its banking and financing structures are no longer sufficient I have to deal with the financial institutions and all that if I have that under control then I will remain in my post but if I don't then I'll be voted out faster than you can possibly imagine [Music] it looks like the whole world is being shaken up by big money it's a game that few can play and even fewer can win but when those at the top stopped a jump ship and those below have to worry about a crash what effect does that have on a country today and in the future [Applause] [Music] [Applause] [Music]

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I AM A MONEY MAGNET ~ Sleep Programming Affirmations For Abundance And Wealth ~ Millionaire Mindset!

Jason 0 Comments Retire Wealthy

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life. I focus on abundance, and it is drawn to me.

I give money away, and then I receive even
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know abundance is near. I choose to be positive and abundant in all
areas of my life. Money flows freely and openly into my life. I know there is ample prosperity for all. I place no limits on the amount of money I
can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
life, and the prosperity yet to come.

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the most. Abundance is always within reach. I now receive large sums of money, just for
being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance.

I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am
now receptive to unexpected gifts of wealth. My mind is a powerful magnet for profitable
ideas. Money is positive energy that takes care of
my worldly needs and desires. I deserve to be wealthy, prosperous and affluent. I am a money magnet. Every day my life is filled with wonderful
abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now. Every person is a golden link in the chain
of my abundance. I am thankful for the abundance and prosperity
in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied. I am healthy and wealthy. I have a financially stable future for my
family and myself. I release all negative beliefs about money
and invite wealth into my life.

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wealth. I attract prosperity. All resistance to prosperity dissolves away. I am abundant and wealthy now. I release all negative energy about money. I will always be prosperous. I am wide awake to my abundance. I use money to make the world a better place. I boldly seize opportunities. Each day is filled with endless expressions
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my wealthy potential. I open myself to receive the abundance of
the universe. Every dollar I spend returns to me massively
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me. I am a rich person. I now release the goldmine within me.

The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
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is flowing into my life. My good now flows to me in a steady stream
of abundance. My wealth allows me to do whatever I wish,
whenever I want.

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possible. I attract money to me and I am attracted to
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is never away from me.

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passion. I live an independent life that I design however
I want.

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life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
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and it comes to me easily. Through my power of intention, I effortlessly
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to accept.

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find to be grateful.

I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
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more abundance into my life.

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it comes back to me. I have more money than I could ever dream
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and I ask for it. The only limit to my abundance is me. Money exist in harmony within me.

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destiny. I tap the infinite wealth of the universe. I attract prosperity like a powerful magnet. I am a wealth creator, so I am always wealthy. I expect lavish abundance every day in every
way. I am
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my desires. I am a money magnet, and money comes to me
now. I am always learning new ways to create financial
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to give. The whole universe is conspiring to make me
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it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
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with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me. Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now.

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material things I need. I expect the best and I get it now. The universe has chosen me to be wealthy so
that I can help others with my wealth.

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wealth. I am happy being rich. I am successful in every way. My good now comes to pass, the unexpected
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day. I was abundant, I am abundant, and will always
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to me. I am now on the road to success, happiness,
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life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me. Opportunities flow to me with ease.

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in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs.

I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
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I effortlessly attract all the wealth I need and desire. I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life.

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others. Wealth is my birth right, my natural state
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and more money.

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world. I respect my ability to attract wealth. I
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part of my life. The universe freely provides for all my needs. Abundance and harmony rule my world.

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always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich. I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life.

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and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world.

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life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

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whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe. Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance.

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world. I allow myself to have the good things in
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energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
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person I meet. I am financially secure.

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of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
in my life. I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously. I am wealthy. Every thought I have is now being transformed
into massive financial abundance. I clearly see opportunities to effortlessly
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experiences. I have a responsibility to accumulate vast
sums of wealth.

I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
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claim it now.

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happiness, and abundance. Every day in every way I am becoming more
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my abundance. It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future.

I constantly attract opportunities that create
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to help myself and others. I am always supplied with whatever I need.

I give thanks for the prosperity which is
mine. I have everything I need for a joyous, abundant
life. I make the time to take charge of my money. I see money as a useful tool. I deserve to be successful and prosperous. I have financial abundance in my life now. I prosper wherever I turn, and deserve prosperity
of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life.

This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one. I am grateful for everything I receive in
life. It is natural for me to be successful. Money flows to me easily. I believe I have the right to be prosperous. I am deserving of abundance, no matter what. I am abundant. I am worthy of great success. I am creating money in my life.

My wealth allows me to do whatever I wish. My life is full of all the abundance I desire. I am successful. Moneymaking opportunities are all around me. I now give and receive freely. I am ready for abundance. Everything goes my way. I am now on the road to Success, Happiness
and Abundance. I am in a state of fulfillment. My life is amazingly abundant. My income is constantly increasing. I easily attract wealth.

Money flows to me in waves of abundance. I am abundant and prosperous. I automatically receive great wealth. All my bills are paid in full and I am still
wealthy. I give thanks that I am rich and happy. I am a winner, and I win big. I gladly accept gifts of money from others. My future is filled with prosperity. I know that I am abundant. Anyone can be prosperous. When I ask for abundance, it flows into my
life. I focus on abundance, and it is drawn to me. I give money away, and then I receive even
more. I am exited about building wealth. I release my financial burdens, because I
know abundance is near. I choose to be positive and abundant in all
areas of my life. Money flows freely and openly into my life. I know there is ample prosperity for all.

I place no limits on the amount of money I
can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
life, and the prosperity yet to come. I am more wealthy than I ever imagined. I enjoy my prosperity and my life. Money and spirituality co-exist within me. I enjoy earning wealth. I always have more than enough money. I welcome abundance into my life. I radiate prosperity. I deserve success and abundance. I now create my wonderful, ideal life.

It is so easy for me to open to prosperity. I am relaxing into greater abundance. I attract prosperity with each thought I think. I am now accumulating vast amounts of wealth. People enjoy paying me for what I enjoy doing
the most. Abundance is always within reach. I now receive large sums of money, just for
being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am now receptive to unexpected gifts of
wealth. My mind is a powerful magnet for profitable
ideas. Money is positive energy that takes care of
my worldly needs and desires.

I deserve to be wealthy, prosperous and affluent. I am a money magnet. Every day my life is filled with wonderful
abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now. Every person is a golden link in the chain
of my abundance. I am thankful for the abundance and prosperity
in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied. I am healthy and wealthy. I have a financially stable future for my
family and myself.

I
release all negative beliefs about money and invite wealth into my life. I am in a constant state of fulfillment. I feel wealthy and successful. Abundance and prosperity are my birthright. I dissolve all false messages around creating
wealth. I attract prosperity. All resistance to prosperity dissolves away. I am abundant and wealthy now. I release all negative energy about money. I will always be prosperous. I am wide awake to my abundance. I use money to make the world a better place. I boldly seize opportunities. Each day is filled with endless expressions
of abundance. I am free to accumulate wealth. I am successful in everything I do. I am only positive towards abundance. Each year, my money increases faster than
I spend it. Abundance within me, abundance around me. I respect my abilities, and always work to
my wealthy potential. I open myself to receive the abundance of
the universe. Every dollar I spend returns to me massively
multiplied. I invite wealth into my life. The universe constantly supplies money to
me. I am a rich person. I now release the goldmine within me.

The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
in great abundance. I notice prosperity all around me. My wealth continues to grow. I am grateful for the money flowing in my
life. I am like a magnet to money. I pay all my bills on time an with ease. I am moving towards money. I will reach my goals joyfully and easily. I love abundance in all its beautiful forms. My greatest good is coming to me now.

I always have enough money for all that I
need. I am now rich, well, and happy. I always have more than enough abundance. The universe wants me to have great abundance. Perfect abundance is my chosen reality. I am now open to receive. My circumstances are changing, and prosperity
is flowing into my life. My good now flows to me in a steady stream
of abundance. My wealth allows me to do whatever I wish,
whenever I want.

Abundance is mine. I can and will have more than I ever dreamed
possible. I attract money to me and I am attracted to
money. My mind attracts amazing wealth. Creating wealth is my second nature. I enjoy making money, and strive to have fun
in every aspect of my life. I am a money magnet, and money is constantly
attracted to me. I know how to make money. I let go of all struggle within, which allows
me to attract abundance. I create prosperity in my life. I can easily handle massive wealth. I tap into the infinite wealth of the universe. There is limitless supply, and it is mine. Abundance is within me, abundance is around
me. I clearly see opportunities to make money. I am grateful for my wealth. Money enhances my attitude. My resistance to prosperity has dissolved. My income is growing higher and higher. I allow all good things to come into my life,
and I enjoy them. I was born to be wealthy. The more wealth I give, the more my wealth
explodes.

Wealth and prosperity circulate in my life. Money is an important part of my life, and
is never away from me. I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy. Money is forever circulating in my life, there
is always a surplus. My income is growing higher and higher now. I deserve to be abundant and prosperous. The more money I have, the more money I can
use to help myself and others. I am filled with great abundance now. I am wealthy and successful. I am now surrounded by an ocean of wealth,
and I draw from this ocean all I need. Wealth finds me. I am open to abundance. I realize that I can help others with my wealth,
so I stay wealthy. Money allows me to have joy and comfort. I see myself as wealthy, and that’s who
I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine.

I awaken each morning excited to pursue my
passion. I live an independent life that I design however
I want. Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
thinking, and my prosperity grows. I let go of all resistance to prosperity,
and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do. I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy.

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to accept. I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do. I am prosperous, healthy and wealthy. Being grateful for all that I have draws even
more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
met. I recognize and embrace wealth building opportunities.

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I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially. The more grateful I am, the more reasons I
find to be grateful. I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it.

I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life. I am skilled at creating assets that make
me wealthy. I can easily imagine myself having limitless
abundance. I am worthy of abundance. Abundance is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what. My income increases every day whether I am
working, playing, or sleeping. All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily.

I love and respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The only limits to my abundance is my subconscious
mind. I am gracious for the wealth I have in my
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I enjoy a steady flow of positive energy. I love spending money on my favorite causes. Money is a state of consciousness that supports
me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me. I have more money than I could ever dream
of. I give myself permission to be financially
aware.

I have the power to attract money. I create prosperity easily and effortlessly. I release all resistance to money. Prosperity follows everything I do. Money is always circulating freely in my life. I expand my awareness of the abundance around
me. I am filled with great abundance now. I am the source of my abundance. I define success my way, and I create it. I deserve to prosper in everything I do. My good now flows to me in streams of success,
happiness, and abundance. My money is now creating more money. Wealth flows easily into my life. I am successful because I know what I want,
and I ask for it. The only limit to my abundance is me. Money exist in harmony within me. I am extremely successful. I respect my abilities to generate wealth. I will find one idea that will change my financial
destiny. I tap the infinite wealth of the universe.

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way. I am successful because I know what I want. I embrace my abundance. I always get what I wish for. Money and I are friends. Money comes to me easily and abundantly. I recognize and embrace my ability to manifest
my desires. I am a money magnet, and money comes to me
now.

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and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day. I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need. I release all negativity around building wealth. I can be prosperous. The more money I have the more money I have
to give. The whole universe is conspiring to make me
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satisfies me. I am always reaching my goals. Abundance is mine. I look for and receive an abundant supply. All of my debts are paid in full. I work to my full potential. I
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into my life.

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give me money. Money is good. It is so easy for me to become a millionaire. Money comes to me easily and effortlessly. The universe provides more than enough abundance
in my life. I respect my ability to generate wealth. My life is full the material things need. My money is growing. There is always abundance in my life.

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of abundance.

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that I desire. I am so happy to be wealthy. I give myself permission to change my relationship
with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me.

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of what I do. I am successful and I love it. The universe is blessing me with vast amounts
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now. Money is constantly circulating in my life. I am worthy of receiving prosperity now. My life is full of the material things need. I release the need to live in lack and limitation. My life is full of love and joy, and all the
material things I need.

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abundance now. I trust that I will create abundance.

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day. I was abundant, I am abundant, and will always
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to me. I am now on the road to success, happiness,
and abundance.

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in it.

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is mine. I am thankful for the unlimited flow of good
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to me. It takes less effort to be wealthy than it
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life. Money flows to me. I am wealthy. I am free to choose what I want to experience
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others. Wealth is my birth right, my natural state
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and more money.

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me now.

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life. I am grateful and happy for all I receive,
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brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently.

I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right. I know that whatever I put out comes back
to me in streams of abundance. My wealth multiplies, and creates more wealth. I was born to be prosperous. I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe. Abundance comes to me in many ways.

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world. I allow myself to have the good things in
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energy to bring them to life.

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of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
in my life. I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously.

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experiences. I have a responsibility to accumulate vast
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happiness, and abundance. Every day in every way I am becoming more
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my abundance.

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future. I constantly attract opportunities that create
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mine. I have everything I need for a joyous, abundant
life.

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of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I
am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one.

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life. I focus on abundance, and it is drawn to me.

I give money away, and then I receive even
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know abundance is near. I choose to be positive and abundant in all
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can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
life, and the prosperity yet to come. I am more wealthy than I ever imagined. I
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the most.

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being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision. Money flows to me easily, frequently, and
abundantly. I spend money wisely. I am now receptive to unexpected gifts of
wealth. My mind is a powerful magnet for profitable
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abundance. I accept and embrace wealth in my life. Great wealth is flowing to me now. Every person is a golden link in the chain
of my abundance. I am thankful for the abundance and prosperity
in my life. Abundance flows to me. Every dollar I spend circulates, and comes
back to me multiplied.

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family and myself. I release all negative beliefs about money
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my wealthy potential. I open myself to receive the abundance of
the universe. Every dollar I spend returns to me massively
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me. I am a rich person. I now release the goldmine within me. The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive. I am now accumulating large sums of money. Like a powerful magnet, I attract all my desires
in great abundance. I notice prosperity all around me. My wealth continues to grow. I am grateful for the money flowing in my
life.

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is flowing into my life. My good now flows to me in a steady stream
of abundance. My wealth allows me to do whatever I wish,
whenever I want. Abundance is mine.

I can and will have more than I ever dreamed
possible. I attract money to me and I am attracted to
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in every aspect of my life. I am a money magnet, and money is constantly
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me to attract abundance. I create prosperity in my life. I can easily handle massive wealth. I tap into the infinite wealth of the universe. There is limitless supply, and it is mine. Abundance is within me, abundance is around
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and I enjoy them. I was born to be wealthy. The more wealth I give, the more my wealth
explodes. Wealth and prosperity circulate in my life.

Money is an important part of my life, and
is never away from me. I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy. Money is forever circulating in my life, there
is always a surplus. My income is growing higher and higher now. I deserve to be abundant and prosperous. The more money I have, the more money I can
use to help myself and others.

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and I draw from this ocean all I need. Wealth finds me. I am open to abundance. I realize that I can help others with my wealth,
so I stay wealthy. Money allows me to have joy and comfort. I see myself as wealthy, and that’s who
I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine. I awaken each morning excited to pursue my
passion. I live an independent life that I design however
I want. Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance.

The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
thinking, and my prosperity grows. I let go of all resistance to prosperity,
and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do. I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy. My subconscious mind radiates abundance.

I enjoy the energy of money. Life hands me as much abundance as I am want
to accept. I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do. I am prosperous, healthy and wealthy. Being grateful for all that I have draws even
more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
met. I recognize and embrace wealth building opportunities. The seeds of great wealth are inside me. I am destined to find prosperity in everything
I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially. The more grateful I am, the more reasons I
find to be grateful. I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love.

Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life. I am skilled at creating assets that make
me wealthy. I
can easily imagine myself having limitless abundance. I am worthy of abundance. Abundance
is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what. My income increases every day whether I am
working, playing, or sleeping.

All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily. I love and respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The
only limits to my abundance is my subconscious mind. I am gracious for the wealth I have in my
life. I have plenty of time and money. I am a millionaire. I am now in the process of attracting abundance. prosperity is flowing into my life. My prosperity is unlimited. My income is growing higher and higher now. I
enjoy a steady flow of positive energy. I love spending money on my favorite causes. Money is a state of consciousness that supports
me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me. I have more money than I could ever dream
of. I give myself permission to be financially
aware.

I have the power to attract money. I create prosperity easily and effortlessly. I release all resistance to money. Prosperity follows everything I do. Money is always circulating freely in my life. I expand my awareness of the abundance around
me. I am filled with great abundance now. I am the source of my abundance. I define success my way, and I create it. I deserve to prosper in everything I do. My good now flows to me in streams of success,
happiness, and abundance. My money is now creating more money. Wealth flows easily into my life. I am successful because I know what I want,
and I ask for it. The only limit to my abundance is me. Money exist in harmony within me.

I am extremely successful. I respect my abilities to generate wealth. I will find one idea that will change my financial
destiny. I tap the infinite wealth of the universe. I attract prosperity like a powerful magnet. I am a wealth creator, so I am always wealthy. I expect lavish abundance every day in every
way. I am successful because I know what I want. I embrace my abundance. I always get what I wish for. Money and I are friends. Money comes to me easily and abundantly.

I recognize and embrace my ability to manifest
my desires. I am a money magnet, and money comes to me
now. I am always learning new ways to create financial
abundance. I am now creating all of the wealth I want
and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day. I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need. I release all negativity around building wealth. I can be prosperous. The more money I have the more money I have
to give. The whole universe is conspiring to make me
prosperous and abundant. Abundance and I are one. I know that the world is prosperous. I am now earning a large income doing what
satisfies me. I am always reaching my goals. Abundance is mine. I look for and receive an abundant supply. All of my debts are paid in full. I work to my full potential. I can be, do, and have anything I want. I will live life abundantly. I am debt free, and money is constantly flowing
into my life.

I will be productive and prosperous today. I have unlimited abundance. Abundance
is my divine birthright. I am worthy of receiving abundance. I am free to do whatever I wish. I enjoy creating value for the people that
give me money. Money is good. It is so easy for me to become a millionaire. Money comes to me easily and effortlessly. The universe provides more than enough abundance
in my life. I respect my ability to generate wealth. My life is full the material things need. My money is growing. There is always abundance in my life.

I am now creating multiple streams of income. Abundance flows easily when I relax and let
it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
I always have more than enough money. I am worthy of the finest life has to offer. Something wonderful will happen to me today. I allow myself to make large sums of money. I am rich and wonderful. Every dollar I spend comes back to me multiplied. Unexpected income flows to me. Large amounts of money are coming my way. Wealth comes to me now. I am open to the flow of abundance in all
areas of my life. The universe is conspiring to make me prosperous
and abundant. This day is filled with endless expressions
of abundance. My financial abundance is now exploding. I am now aligned with abundance.

Money flows freely in my life. I am now creating all the financial abundance
that I desire. I am so happy to be wealthy. I give myself permission to change my relationship
with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me. Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now. Money is constantly circulating in my life. I am worthy of receiving prosperity now. My life is full of the material things need. I release the need to live in lack and limitation. My life is full of love and joy, and all the
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day.

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is mine. I am thankful for the unlimited flow of good
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my life. This is a rich universe and there is plenty
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is flowing into my life.

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I receive. I now have surplus, all my needs are being
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and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
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me wealthy. I can easily imagine myself having limitless
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wealth no matter what.

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respect myself. All resistance to prosperity has dissolved,
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life. I have plenty of time and money. I am a millionaire. I am now in the process of attracting abundance. prosperity is flowing into my life.

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me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me. I have more money than I could ever dream
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me. I am filled with great abundance now.

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my desires. I am a money magnet, and money comes to me
now.

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to give. The whole universe is conspiring to make me
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it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
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I am rich and wonderful. Every dollar I spend comes back to me multiplied. Unexpected income flows to me. Large amounts of money are coming my way. Wealth comes to me now. I am open to the flow of abundance in all
areas of my life. The universe is conspiring to make me prosperous
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that I desire.

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with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me. Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now.

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material things I need. I expect the best and I get it now. The universe has chosen me to be wealthy so
that I can help others with my wealth. I deserve to be wealthy because I create my
wealth. I am happy being rich. I am successful in every way. My good now comes to pass, the unexpected
now happens. Prosperity is mine and I choose to live it. I have everything I could ever need or want. My loved ones enjoy, respect, and appreciate
my financial knowledge, power, and success. I am easily accepting abundance in my life
now. Money is positive energy. Wealth flows to me easily and abundantly. I am a money magnet. I release all opposition to wealth. My life is prosperous. Money flows to me in ever increasing quantities,
from multiple sources, on a continuous basis.

I am surrounded by money. Abundance is my birthright. Wealth comes to me from many sources. I allow the universe to bless me with great
abundance now. I trust that I will create abundance. I am magnetic to money, and it is magnetic
to me. I move from poverty thinking to abundance
thinking. I am becoming more and more prosperous every
day. I was abundant, I am abundant, and will always
be abundant. Feeling joyful attracts abundance. I enjoy an abundance of money. Abundance flows easily to me. I think big. My consistent focus on abundance draws it
to me. I am now on the road to success, happiness,
and abundance. I love abundance, and I attract it easily. My prosperity is unlimited. I am now free to do the things I love.

I choose wealth and abundance. I am a money magnet, money is constantly attracted
to me. I absolutely attract abundance. I enjoy my prosperity, and share it freely
with the world. I am a loving and abundant person. I see opportunities all around me. I allow myself to have the good things in
life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me.

Opportunities flow to me with ease. Prosperity is alive in each area of my life. I allow myself to prosper abundantly. I have unlimited abundance. I consciously create my own reality, and everything
in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs. I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
does to be poor. I now have massive amount of money. Through the power of my subconscious mind,
I effortlessly attract all the wealth I need and desire. I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life. Every day in every way, my wealth is increasing.

I have a surplus that I share freely with
others. Wealth is my birth right, my natural state
of being. Whatever activities I perform make money for
me. Prosperity comes to me quickly and easily. Money creates a positive impact in my life. I deserve to be abundant. Every day I am attracting and saving more
and more money. My prosperous thoughts create my prosperous
world. I respect my ability to attract wealth. I believe I have the right to be prosperous,
abundant, and successful. When I think wealthy thoughts, I become more
wealthy in all aspects of my life. Abundance within me, abundance around me. I have the right to be prosperous. I expect and welcome good fortune in every
part of my life. The universe freely provides for all my needs.

Abundance and harmony rule my world. Money comes to me easily and effortlessly,
even while I sleep. I rejoice that I am successful and abundant
in every way. Money flows to me in avalanches of abundance. I deserve and welcome financial abundance
in my life now. Wealth is circulating in my life. I am successful at everything I do. My money consciousness is always increasing. Money is my servant. I know that whatever I put out comes back
to me many times over. Money easily flows to me. I enjoy expressing my abundance. I believe that more abundance is coming to
me now. I use money wisely. Accumulating money comes easy to me. The money that comes to me today is a pleasure
to handle. My wealth is increasing massively everyday. I am now wealthy. I was prosperous, I am prosperous, and will
always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich.

I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life. I am grateful and happy for all I receive,
and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways. I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

I know that whatever I put out comes back
to me in streams of abundance. My
wealth multiplies, and creates more wealth. I was born to be prosperous. I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth.

I receive unexpected income. I find that wealth is easy, relaxing, and
safe. Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance. I am living the life of my wealthy dreams. I am growing more wealthy every day. I prosper in my finances. My prosperity thoughts create my prosperous
world. I allow myself to have the good things in
life, and enjoy them. I draw abundance like a magnet. I always have whatever I need. My ideas are incredible, and I have the creative
energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
to do or have. I am a gracious giver and receiver. I project wealth and good fortune to every
person I meet. I am financially secure. I release all feelings of lack and limitation. Money flows easily to me. I welcome abundance into my life.

I pay my bills with love since I know that
abundance flows through me. I love my abundance. I use money to better my life and the lives
of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
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wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
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around me. All my needs are met instantaneously. I am wealthy. Every thought I have is now being transformed
into massive financial abundance. I clearly see opportunities to effortlessly
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Money expands my life’s opportunities and
experiences. I have a responsibility to accumulate vast
sums of wealth. I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
unlimited now. I now draw the highest, best, and most prosperous
minded people to me. I create wealth easily and effortlessly. I am constantly increasing my income. My greatest good is here for me now. Money is flowing to me. Prosperity and abundance surround me. I am certain that my wealth is always perfect
for me.

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claim it now. I always feel wealthy. I allow myself to prosper. I am so happy to be wealthy. I have abundance in my life, and I am free
to do whatever I wish to do. Wealth constantly flows into my life. I deserve to be wealthy.

I always have enough money to fulfill my needs. My wealth derives from honesty in everything
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my abundance. It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future. I constantly attract opportunities that create
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minded people to me.

Wealth is a positive expression of divine
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mine. I have everything I need for a joyous, abundant
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of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now.

Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life. This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one. I am grateful for everything I receive in
life.

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I am now on the road to Success, Happiness
and Abundance. I am in a state of fulfillment. My life is amazingly abundant. My income is constantly increasing. I easily attract wealth. Money flows to me in waves of abundance. I am abundant and prosperous. I automatically receive great wealth. All my bills are paid in full and I am still
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life. I focus on abundance, and it is drawn to me. I give money away, and then I receive even
more. I am exited about building wealth. I release my financial burdens, because I
know abundance is near. I choose to be positive and abundant in all
areas of my life. Money flows freely and openly into my life. I know there is ample prosperity for all.

I place no limits on the amount of money I
can make. I am creating riches to share with the whole
world. I give thanks for my incredibly prosperous
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the most. Abundance is always within reach. I now receive large sums of money, just for
being me. I banish the past and now live in the wealthy
now. Thank you universe for my great abundance. I am passionate about building wealth. I manage my money effectively, and with precision.

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abundantly. I spend money wisely. I
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of my abundance. I am thankful for the abundance and prosperity
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back to me multiplied. I am healthy and wealthy. I have a financially stable future for my
family and myself. I release all negative beliefs about money
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the universe. Every dollar I spend returns to me massively
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me. I am a rich person. I now release the goldmine within me. The more I enrich others, the more they enrich
me. I expect and embrace abundance every day. I am always learning more about money. I allow wealth to shine through me. I am always immersed in wealth. I am always productive.

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life. I am like a magnet to money. I pay all my bills on time an with ease. I am moving towards money. I will reach my goals joyfully and easily. I love abundance in all its beautiful forms. My greatest good is coming to me now. I always have enough money for all that I
need. I am now rich, well, and happy. I always have more than enough abundance. The universe wants me to have great abundance. Perfect abundance is my chosen reality. I am now open to receive. My circumstances are changing, and prosperity
is flowing into my life. My good now flows to me in a steady stream
of abundance.

My wealth allows me to do whatever I wish,
whenever I want. Abundance is mine. I can and will have more than I ever dreamed
possible. I attract money to me and I am attracted to
money. My mind attracts amazing wealth. Creating wealth is my second nature. I enjoy making money, and strive to have fun
in every aspect of my life. I am a money magnet, and money is constantly
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me to attract abundance. I create prosperity in my life. I can easily handle massive wealth. I tap into the infinite wealth of the universe.

There is limitless supply, and it is mine. Abundance is within me, abundance is around
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is never away from me. I am saving more money each day. I now have all the money that I want and need. It is a joy to be wealthy.

Money is forever circulating in my life, there
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so I stay wealthy. Money allows me to have joy and comfort. I see myself as wealthy, and that’s who
I am. Everything I need in life is mine. prosperity is attracted to me. I live life abundantly. I know what to do to make money. I am aligned with my wealthy self. Unlimited abundance is mine. I awaken each morning excited to pursue my
passion.

I live an independent life that I design however
I want. Money flows freely and abundantly into my
life. Each day, my life is filled with the wonders
and magic of abundance. The more abundantly I live the more abundance
I will receive. I move from poverty thinking to prosperity
thinking, and my prosperity grows. I let go of all resistance to prosperity,
and it comes to me easily. Through my power of intention, I effortlessly
attract all the wealth I need and desire. Making money is good for me, and for everyone
in my life. Being wealthy gives me joy, happiness, and
peace of mind. Whatever I do, it always ends in amassing
wealth. I am prosperous in everything I do. I believe anyone can be wealthy and that includes
me. All my issues with wealth have disappeared. I am grateful to be wealthy. My subconscious mind radiates abundance. I enjoy the energy of money. Life hands me as much abundance as I am want
to accept. I always receive large amounts of money. I am earning massive amounts of wealth doing
what I love to do.

I am prosperous, healthy and wealthy. Being grateful for all that I have draws even
more abundance into my life. I am a success. I am richly rewarded for all the work I do. The more abundantly I live, the more abundance
I receive. I now have surplus, all my needs are being
met. I recognize and embrace wealth building opportunities. The seeds of great wealth are inside me. I am destined to find prosperity in everything
I do. Prosperity now happens to me. I am proud to be wealthy. I take good care of myself financially.

The more grateful I am, the more reasons I
find to be grateful. I am successful because I know what I want
and I ask for it. I feel great joy in providing for my family
and those that I love. Every day and in every way I am getting better
and better. I define wealth and success my way, and I
create it. I am always in the right place at the right
time. I trust that I am creating abundance. I enjoy a great abundance of money. Being wealthy and staying wealthy is in my
nature, therefore I am always wealthy. My work is emotionally, physically, and financially
rewarding for me. Being grateful for all that I have draws even
more abundance into my life. I am skilled at creating assets that make
me wealthy. I can easily imagine myself having limitless
abundance. I am worthy of abundance.

Abundance
is easy. I am prosperous. I will be wealthy today. I spend money wisely. Circumstances have no power over me, I create
wealth no matter what. My income increases every day whether I am
working, playing, or sleeping. All I have to do is ask for abundance and
allow it. I enjoy making money. Everything good is coming to me easily. I love and respect myself. All resistance to prosperity has dissolved,
I am open to being wealthy. I enjoy being wealthy. The only limits to my abundance is my subconscious
mind.

I am gracious for the wealth I have in my
life. I have plenty of time and money. I am a millionaire. I am now in the process of attracting abundance. prosperity is flowing into my life. My prosperity is unlimited. My income is growing higher and higher now. I enjoy a steady flow of positive energy. I love spending money on my favorite causes. Money is a state of consciousness that supports
me. Everyday my bank balance is growing. I allow prosperity to enter my life. I give away massive amounts of wealth, and
it comes back to me.

I have more money than I could ever dream
of. I give myself permission to be financially
aware. I have the power to attract money. I create prosperity easily and effortlessly. I release all resistance to money. Prosperity follows everything I do. Money is always circulating freely in my life. I expand my awareness of the abundance around
me. I am filled with great abundance now. I am the source of my abundance. I define success my way, and I create it. I deserve to prosper in everything I do.

My good now flows to me in streams of success,
happiness, and abundance. My money is now creating more money. Wealth flows easily into my life. I am successful because I know what I want,
and I ask for it. The only limit to my abundance is me. Money exist in harmony within me. I am extremely successful. I respect my abilities to generate wealth. I
will find one idea that will change my financial destiny. I tap the infinite wealth of the universe. I attract prosperity like a powerful magnet. I am a wealth creator, so I am always wealthy. I expect lavish abundance every day in every
way. I am successful because I know what I want. I embrace my abundance.

I always get what I wish for. Money and I are friends. Money comes to me easily and abundantly. I recognize and embrace my ability to manifest
my desires. I am a money magnet, and money comes to me
now. I am always learning new ways to create financial
abundance. I am now creating all of the wealth I want
and need. My supply is endless, inexhaustible, and immediate. I allow abundance into all areas of my life. Every day is a wealthy day. I am thankful for the comfort and joy that
money provides me. Wealth is a part of my life. I always have more money than I need. I release all negativity around building wealth. I can be prosperous. The more money I have the more money I have
to give. The whole universe is conspiring to make me
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satisfies me. I am always reaching my goals. Abundance is mine.

I look for and receive an abundant supply. All of my debts are paid in full. I work to my full potential. I
can be, do, and have anything I want. I will live life abundantly. I am debt free, and money is constantly flowing
into my life. I will be productive and prosperous today. I have unlimited abundance. Abundance is my divine birthright. I am worthy of receiving abundance. I am free to do whatever I wish. I enjoy creating value for the people that
give me money. Money is good. It is so easy for me to become a millionaire. Money comes to me easily and effortlessly. The universe provides more than enough abundance
in my life.

I respect my ability to generate wealth. My life is full the material things need. My money is growing. There is always abundance in my life. I am now creating multiple streams of income. Abundance flows easily when I relax and let
it happen. I welcome wealth with open arms. If others can be wealthy, so can I.
I always have more than enough money. I am worthy of the finest life has to offer. Something wonderful will happen to me today. I allow myself to make large sums of money. I am rich and wonderful. Every dollar I spend comes back to me multiplied. Unexpected income flows to me. Large amounts of money are coming my way.

Wealth comes to me now. I am open to the flow of abundance in all
areas of my life. The universe is conspiring to make me prosperous
and abundant. This day is filled with endless expressions
of abundance. My financial abundance is now exploding. I am now aligned with abundance. Money flows freely in my life. I am now creating all the financial abundance
that I desire. I am so happy to be wealthy. I give myself permission to change my relationship
with money. I have the power to be successful. I deserve prosperity, and I accept prosperity
into my life. I am growing spiritually, emotionally, and
financially. I am a magnet for prosperity of every kind,
and it is drawn to me.

Everything I touch returns riches to me. My financial worth increases every day, regardless
of what I do. I am successful and I love it. The universe is blessing me with vast amounts
of money. I banish the past, and now live in the wealthy
now. Money is constantly circulating in my life. I am worthy of receiving prosperity now. My life is full of the material things need. I release the need to live in lack and limitation. My life is full of love and joy, and all the
material things I need. I expect the best and I get it now.

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that I can help others with my wealth. I deserve to be wealthy because I create my
wealth. I am happy being rich. I am successful in every way. My good now comes to pass, the unexpected
now happens. Prosperity is mine and I choose to live it. I have everything I could ever need or want. My loved ones enjoy, respect, and appreciate
my financial knowledge, power, and success. I
am easily accepting abundance in my life now. Money is positive energy. Wealth flows to me easily and abundantly. I am a money magnet. I release all opposition to wealth. My life is prosperous. Money flows to me in ever increasing quantities,
from multiple sources, on a continuous basis.

I am surrounded by money. Abundance is my birthright. Wealth comes to me from many sources. I allow the universe to bless me with great
abundance now. I trust that I will create abundance. I am magnetic to money, and it is magnetic
to me. I move from poverty thinking to abundance
thinking. I am becoming more and more prosperous every
day. I was abundant, I am abundant, and will always
be abundant. Feeling joyful attracts abundance. I enjoy an abundance of money. Abundance flows easily to me. I think big. My consistent focus on abundance draws it
to me. I am now on the road to success, happiness,
and abundance. I love abundance, and I attract it easily. My prosperity is unlimited. I am now free to do the things I love. I choose wealth and abundance. I am a money magnet, money is constantly attracted
to me.

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with the world. I am a loving and abundant person. I see opportunities all around me. I allow myself to have the good things in
life, and I enjoy them. Everything and everybody prospers me now. Prosperity is drawn to me. Opportunities flow to me with ease. Prosperity is alive in each area of my life. I allow myself to prosper abundantly. I have unlimited abundance. I consciously create my own reality, and everything
in it. The world is abundant and joyful. All things I seek are now seeking me. I give thanks for the massive prosperity that
is mine. I am thankful for the unlimited flow of good
into my life. I always have an abundance of money to meet
all of my needs.

I deserve to prosper. Everything that I desire is making its way
to me. It takes less effort to be wealthy than it
does to be poor. I now have massive amount of money. Through the power of my subconscious mind,
I effortlessly attract all the wealth I need and desire. I have more than I need in every area of my
life. Money flows to me. I am wealthy. I am free to choose what I want to experience
in my life. Every day in every way, my wealth is increasing. I have a surplus that I share freely with
others. Wealth is my birth right, my natural state
of being. Whatever activities I perform make money for
me. Prosperity comes to me quickly and easily.

Money creates a positive impact in my life. I deserve to be abundant. Every day I am attracting and saving more
and more money. My prosperous thoughts create my prosperous
world. I respect my ability to attract wealth. I
believe I have the right to be prosperous, abundant, and successful. When I think wealthy thoughts, I become more
wealthy in all aspects of my life. Abundance within me, abundance around me. I have the right to be prosperous. I expect and welcome good fortune in every
part of my life. The universe freely provides for all my needs. Abundance and harmony rule my world. Money comes to me easily and effortlessly,
even while I sleep. I rejoice that I am successful and abundant
in every way. Money flows to me in avalanches of abundance.

I deserve and welcome financial abundance
in my life now. Wealth is circulating in my life. I am successful at everything I do. My money consciousness is always increasing. Money is my servant. I know that whatever I put out comes back
to me many times over. Money easily flows to me. I enjoy expressing my abundance. I believe that more abundance is coming to
me now. I use money wisely. Accumulating money comes easy to me. The money that comes to me today is a pleasure
to handle.

My wealth is increasing massively everyday. I am now wealthy. I was prosperous, I am prosperous, and will
always be prosperous. I deserve prosperity. I walk, talk, look, act, and know I am rich. I expect lavish abundance every day in every
way. I easily allow abundance in all areas of my
life. I am grateful and happy for all I receive,
and all that I have. The only limit to my abundance is me. I am grateful for this perfect universe that
brings me all that I desire. Money comes to me in expected and unexpected
ways.

I see myself as wealthy and that’s who I
am. My supply is endless, inexhaustible and immediate. Every day I earn more and more money. I am open and willing to receive wealth in
all of its forms. I enjoy my prosperity and share it freely
with the world. I always have enough money. Wealth and prosperity are circulating in my
life. I am living abundantly. I always have whatever I need. I give away large amounts of wealth wisely
and intelligently. I let go of all resistance to prosperity. Everything and everybody prospers me now. I don't have to work to get money. Life is easy, I have an abundance of whatever
I need. I give thanks for the prosperity which is
mine by divine right.

I know that whatever I put out comes back
to me in streams of abundance. My wealth multiplies, and creates more wealth. I was born to be prosperous. I have the right to become wealthy and have
whatever I want. People enjoy giving me money. I deserve wealth, and will use it for my good,
and the good of others. My ideas, energy, and passion are now creating
wealth. I receive unexpected income. I find that wealth is easy, relaxing, and
safe.

Abundance comes to me in many ways. Today is filled with opportunity, and I will
seize it. I love abundance, and I attract it easily. I am a beautiful, loveable human being. My life is a success story, filled with streams
of abundance. I am living the life of my wealthy dreams. I am growing more wealthy every day. I prosper in my finances. My prosperity thoughts create my prosperous
world. I allow myself to have the good things in
life, and enjoy them. I draw abundance like a magnet. I always have whatever I need. My ideas are incredible, and I have the creative
energy to bring them to life. I enjoy having money. I am financially independent. My affirmations work for me, whether I believe
they will or not. I always find a way to finance what I want
to do or have.

I am a gracious giver and receiver. I project wealth and good fortune to every
person I meet. I am financially secure. I release all feelings of lack and limitation. Money flows easily to me. I welcome abundance into my life. I pay my bills with love since I know that
abundance flows through me. I love my abundance. I use money to better my life and the lives
of others. I create abundant wealth easily and effortlessly. I deserve to live in luxury. I love the idea of having truly effortless
abundance. I earn, save, spend, and invest my riches
wisely. Life rewards me with abundance. I am joyfully receiving wealth and abundance
in my life. I am positive towards wealth. Today I expand my awareness of the abundance
around me. All my needs are met instantaneously. I am wealthy. Every thought I have is now being transformed
into massive financial abundance. I clearly see opportunities to effortlessly
make money. More money is coming into my life. I am worthy of making more money.

Money flows easily into my life. Money expands my life’s opportunities and
experiences. I have a responsibility to accumulate vast
sums of wealth. I deserve the best and it comes to me now. I am a success in all that I do. My prosperity is unlimited, My success is
unlimited now. I now draw the highest, best, and most prosperous
minded people to me. I create wealth easily and effortlessly. I am constantly increasing my income. My greatest good is here for me now. Money is flowing to me. Prosperity and abundance surround me. I am certain that my wealth is always perfect
for me. It is easy to accumulate a huge personal fortune. My income is constantly increasing. I create all the wealth I desire. Being wealthy is my inherent right, and I
claim it now. I always feel wealthy. I allow myself to prosper. I am so happy to be wealthy. I have abundance in my life, and I am free
to do whatever I wish to do.

Wealth constantly flows into my life. I deserve to be wealthy. I always have enough money to fulfill my needs. My wealth derives from honesty in everything
I do. I am growing richer and richer. I am easily led to the abundance I desire. I possess great wealth. I enjoy multiple streams of passive income. Financial security is constant in my life. My good now flows to me in streams of success,
happiness, and abundance. Every day in every way I am becoming more
and more prosperous. My wealth brings out the best in me. I make positive choices about what to do with
my abundance. It is great to have money. I always get everything for my greatest good. I am confident that I am able to build a financial
future. I constantly attract opportunities that create
more money. I am willing to be more abundant now. It is so easy to open to prosperity. It is easy for me to create wealth. I am a powerful money magnet.

I can see abundance everywhere around me. I am surrounded by prosperity. I am wide awake to my good. I draw the highest, best, and most prosperous
minded people to me. Wealth is a positive expression of divine
energy. Money always flows to me easily. I deserve unlimited abundance. Inspiration come to me easily. All my actions are profitable. I value my money. My grateful heart draws abundance like a magnet. Prosperity within me, prosperity around me. My bank balance is increasing every day. I deserve great sums of money, and use it
to help myself and others.

I am always supplied with whatever I need. I give thanks for the prosperity which is
mine. I have everything I need for a joyous, abundant
life. I make the time to take charge of my money. I see money as a useful tool. I deserve to be successful and prosperous. I have financial abundance in my life now. I prosper wherever I turn, and deserve prosperity
of all kinds. Each day my life is filled with wonders and
magic. Wealth is an effortless result of my prosperity
consciousness. I deserve the best, and it comes to me now. Abundance is simply a way of life, and I live
it. I have a large personal cash flow. I will live the abundant life. I am prosperous, healthy, happy, and live
in abundance. I always spend money wisely. I am so grateful that I now possess abundance. I feel good about money and deserve it in
my life.

This is a rich universe and there is plenty
for all of us. My loving energy is providing me with a large
income. I enjoy sharing my wealth. I am open to receiving the abundance of the
Universe. My life is magical, my life is blessed. Wealth and I are one. I am grateful for everything I receive in
life. It is natural for me to be successful. Money flows to me easily. I believe I have the right to be prosperous..

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Income and Wealth Inequality: Crash Course Economics #17

Jason 0 Comments Retire Wealthy

Jacob: Welcome to Crash Course Economics,
I'm Jacob Clifford… Adriene: …and I'm Adriene Hill. The world
is full of inequality. There's racial inequality, gender inequality, health, education, political
inequality, and of course, economic inequality. Some people are rich, and some people are
poor, and it can seem pretty impossible to fix. Jacob: Well, maybe not. [Theme Music] Jacob: So there are two main types of economic
inequality: wealth inequality and income inequality.

Wealth is accumulated assets, minus liabilities
so it's the value of stuff like savings, pensions, real estate, and stocks. When we talk about
wealth inequality, we're basically talking about how assets are distributed. Income is
the new earnings that are constantly being added to that pile of wealth. So when we talk
about income inequality, we're talking about how that new stuff is getting distributed. Point is,
they're not the same. Let's go to the Thought Bubble. Adriene: Let's look at both types of inequality
at the global level. Global wealth today is estimated at about 260 trillion dollars, and
is not distributed equally. One study shows that North America and Europe, while they
have less than 20% of the world's population, have 67% of the world's wealth. China, which
has more people than North America and Europe combined, has only about 8% of the wealth.
India and Africa together make up almost 30% of the population, but only share about 2%
of the world's wealth.

We're teaching economics, so we can focus on income inequality. These
ten people represent everyone on the planet, and they're lined up according to income.
Poorest over here and richest over here. This group represents the poorest 20%, this is
the second poorest 20%, the middle 20%, and so on. If we distributed a hundred dollars
based on current income trends, this group would get about 83 of those dollars, the next
richest would get 10 dollars, the middle gets four, the second poorest group would get two dollars
and the poorest 20% of humans would get one dollar.

Branko Milanovic, an economist that specializes
in inequality, explained all this by describing an "economic big bang" – "At first, countries'
incomes were all bunched together, but with the Industrial Revolution the differences
exploded. It pushed some countries forward onto the path to higher incomes while others
stayed where they had been for millennia." According to Milanovic, in 1820, the richest
countries in the world – Great Britain and the Netherlands – were only three times richer
than the poorest, like India and China. Today, the gap between the richest and poorest nations is like
100:1. The gaps are getting bigger and bigger. Thanks, Thought Bubble. The Industrial Revolution
created a lot of inequality between countries but today globalization and international trade are accelerating it.
Most economists agree that globalization has helped the world's poorest people, but it's
also helped the rich a lot more.

Harvard economist Richard Freeman noted, "The triumph of globalization
and market capitalism has improved living standards for billions while concentrating
billions among the few." So, it's kind of a mixed bag. The very poor are doing a little better, but
the very rich are now a lot richer than everybody else. There are other reasons inequality is growing.
Economists point to something called "skill-biased technological change." The jobs created in
modernized economies are more technology-based, generally requiring new skills. Workers that
have the education and skills to do those jobs thrive, while others are left behind.
So, in a way, technology's become a complement for skilled workers but a replacement for
many unskilled workers. The end result is an ever widening gap between not just the
poor and the rich, but also the poor and the working class. As economies develop and as
manufacturing jobs move overseas, low skill low pay and high skill high pay work are the
only jobs left.

People with few skills fall behind in terms of income. In the last thirty
years in the US, the number of college-educated people living in poverty has doubled from
3% to 6%, which is bad! And then consider that during the same period of time, the number
of people living in poverty with a high school degree has risen from 6% to a whopping 22%.
Over the last fifty years, the salary of college graduates has continued to grow while, after
adjusting for inflation, high school graduates' incomes have actually dropped. It's a good
reason to stay in school! There are other reasons the income gap is
widening. The reduced influence of unions, tax policies that favor the wealthy, and the
fact that somehow it's okay for CEOs to make salaries many, many times greater than those
of their employees. Also, race and gender and other forms of inequality can exacerbate
income equality. Jacob: Let's dive into the data for the United
States. We'll start by mentioning Max Lorenz, who created a graph to show income inequality.
Along the bottom we have the percent of households from 0-100% and along the side we have the
percent share of income.

By the way, we're using households rather than just looking
at individuals because many households have two income earners. So this straight line
right here represents perfect income equality. So every household earns the same income.
And while perfect income equality might look nice on the surface, it's not really the goal.
When different jobs have different incomes, people have incentive to become a doctor or
an entrepreneur or a YouTube star – you know, the jobs society really values. So this graph, called
the Lorenz curve, helps visualize the depth of inequality. Now, for 2010, the US Census Bureau found
that the poorest 20% of Americans made 3.3% of the income.

And the richest 20% made over
50% of the income. So that's pretty unequal but has it always been like this? Well, in
1970, the bottom group earned 4.1% of the income and the top earned 43.3%. By 1990,
things were even less equal so the 2010 numbers are just a continuation of the trend. And
it isn't just the poorest group that's losing ground. Over those 40 years, each of the bottom
groups or 80% households earned smaller and smaller shares of the total income. Now, from the Lorenz curve we can calculate
the most commonly used measure of income equality – the GINI Index. Now without jumping into
too much of the math, it's basically the size of the gap between the equal distribution
of income and the actual distribution. Now, 0 represents complete equality and 100 represents
complete inequality. Now, you might be surprised to learn the US doesn't have the highest income
inequality, but it does have the highest among Western industrialized nations. The UK has
the highest in the EU. Adriene: The debate over income equality isn't
about whether it exists. It obviously does. The fight is over whether it's a problem and
what should be done about it.

Let's start with those who don't think it's a big deal.
They tell you that the data suggests that the rich are getting richer and the poor are
getting poorer, but that might not be the case. Instead, it could be that all the groups
are making more money but the rich's share is just growing faster. Like, let's say you
own an apple tree and we pick 10 apples. You keep 6 and give me 4. A week later we pick
20 apples, you take 15 and give me 5. So my share of the total went down from 40% to 25%
but each of us still got more apples. So it's true that people in the lowest income bracket have
earned a little more money in the last 40 years, but in the last 20 years, that average income has been falling.
Meanwhile, the rich have continually gotten richer. So, what's the richest guy on earth have to
say about it? Bill Gates said, "Yes, some level of inequality is built in to capitalism.
It's inherent to the system.

The question is, what level of inequality is acceptable?
And when does inequality start doing more harm than good?" There's a growing group of
economists who believe income inequality in the US today is doing more harm. They argue
that greater income inequality is associated with a lot of problems. They point to studies
that show countries with more inequality have more violence, drug abuse and incarcerations.
Income inequality also dilutes political equality, since the rich have a disproportionate say
in what policies move forward, and the rich have an incentive to promote policies that
benefit the rich. So, how do we address this inequality? There's
not a lot of agreement on this. Some argue that education is the key to reducing the
gap. Basically, workers with more and better education tend to have the skills that earn
higher income. Some economists push for an increased minimum wage, which we're going
to talk about in another episode. There's even an argument that access to affordable,
high quality childcare would go a long way. And some think governments should do more
to provide a social safety net, focus on getting more people to work and adjust the tax code
to redistribute income.

Jacob: Some economists call for the government
to increase income taxes and capital gains taxes on the rich. Income taxes in the US
are already somewhat progressive, which means that there are tax brackets that require the
rich to pay a higher percent of income. Right now, it peaks at around 40% but some economists
call for increases up to 50 or 60%. One idea is to fix loopholes that the rich use to avoid
paying taxes. Other economists argue that taxing the rich won't be as effective as reducing regulation
and bureaucratic red tape. It's unclear which path we're going to take but extreme income inequality
at the national and global level needs to be addressed.

Motivation to improve income inequality may come
from a genuine desire to help people and level the playing field, or the fear of Hunger Games-style social
upheaval. But either way, the issue can't be ignored. Adriene: Even Adam Smith, the most classical
of classical economists, said, "No society can surely be flourishing and happy of which
the far greater part of the members are poor and miserable." Thanks for watching, we'll
see you next week. Jacob: Thanks for watching Crash Course Economics.
It was made with the help of all of these nice people.

You can help keep Crash Course
free for everyone forever by supporting the show at Patreon. Patreon is a voluntary subscription
service where you can support the show with monthly contributions. We'd like to thank
our High Chancellor of Learning, Dr. Brett Henderson and our Headmaster of Learning,
Linnea Boyev, and Crash Course Vice Principal Cathy and Kim Philip. Thanks for watching,
DFTBA..

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