
If You Dream of Being Rich or the First Wealthy Person in Your Family, this is for You!
To be financially successful review all of this information. You’ll discover and learn valuable lessons and more that can transform your life and finances.
*Success vs. Prosperous: What’s the Difference?* Discover the difference between succeeding in a specific area and being prosperous in all aspects of life. Explore personal, professional, financial, family, and social areas. The key is to transcend your past and start writing a new chapter for the future.
*Make Modifications for Transcendence!* Eliminate outdated beliefs that aren’t bringing desirable results. Discover common habits among successful people in various fields and learn to make small modifications to turn the wheel of success more quickly.
*Evaluate Your Life Clearly!* Take part in a questionnaire covering health, family, finances, professional life, and friendships. Evaluate each area from 1 to 10 and discover your level of self-esteem. Understanding where you’re coming from is crucial to achieving the desired success.
*Transform Dreams into Goals and Actions!* Learn to turn dreams into goals by setting deadlines. Discover the importance of remembering and visualizing your goals daily. Understand that a positive attitude, combined with well-defined goals, is the key to achieving success.
*Overcome Challenges and Turn Problems into Opportunities!* Understand that problems are your best friends. Be optimistic, face challenges, and turn difficulties into opportunities to revolutionize your life. Don’t let what happens determine your future, but rather what you do with what happens.

Why is it so Hard for Many People to Get Out of Poverty?
Forty-six million people in poverty or 13.4% of the population, live in poverty. Fifteen million more since the year 2000. An increase of nearly 50 percent in the new century. Fifty years since we declared war on poverty. Are we losing the “war”? Why aren’t we doing better?
WHY IS THAT?
- It is Hard for Many People to Get Out of Poverty Because of Inequality. This is the simple answer.
* Healthcare Inequality
* Educational Inequality
* Income Inequality
* High Interest Loan Inequality
* Unmanageable Student Debt Inequality
* Not Think Carefully About Your Financial Decisions
2. MORE SPECIFICALLY it so Hard for Many People to Get Out of Poverty Because of:
#1 – Poverty Mentality
A poverty mindset is really about scarcity. Scarcity of money, jobs, opportunities.
We must distinguish the difference between poverty mentality and being broke.
Whereas being broke is a temporary situation, poverty mentality tends to be more permanent and more to do with the mind.
What this does is shift the focus from what you actually have to what you don’t have. This in turn makes you feel disadvantaged, as though life has been unfair to you and only you.
Your daily life is run by subconscious programming, which controls what you think, what you do, and how you perceive the world.
What most people don’t realize is that when it comes to finances, we are playing against a rigged system. We have been conditioned by the schooling system to stay poor.
Formal education does not include any depth of financial literacy training, no trace of budgeting, taxes, investments, or the mechanics of starting and running a business.
The majority of us don’t know how to enter the financial world as anything other than paycheck-to-paycheck workers.
After spending years in the corporate world, we’re going to share with you some of the most interesting money lessons that school failed to teach us and how you can break out of the cycle.
#2 – The Money Equation
When we observe self-made billionaires like Elon Musk, Bill Gates, and Jeff Bezos, we find a common thread that ties their success stories together.
In stark contrast to what we’ve been taught growing up, these people have shown us that money isn’t just a simple equation of salary earned from a job. It’s easy to fall into the trap of thinking that the amount of money we earn is directly tied to the amount of time we work.
But through our own journey and having now seen a completely different side of the money equation, we’ve realized how limiting and misleading this belief can be.
For instance say you earned $20 an hour and you work 40 hours a week it would take you nearly 25 years to reach a total of $1 million dollars, but that isn’t without you even subtracting any taxes or any expenses over the 25 years nor does it account for inflation.
So, really you’d be left for far less and on a salary of $20 an hour you can only become a millionaire through a combination of working very hard and being frugal your entire life.
What sets Millionaires and especially billionaires apart is they’ve fundamentally different understanding of money. They’ve understood and applied the power of a different model equation that isn’t taught in schools or even in most households.
They know that wealth creation is less about exchanging time for money and more about leveraging assets, investing wisely and creating systems that generate income for them even when they’re not working. Understanding this is the first step in breaking out of the conventional system.
#3 – The Timing of Investing
During your lifetime, you’re likely going to see three to five major economic downturns. These periods may seem scary, and you probably think of it as a time to cut back and save. But these periods also often present the most significant opportunities to build wealth.
While many people worry and hold tightly onto their savings during this time, the rich quickly deploy their money into investments. They buy stocks, pick up real estate, and essentially bet on a brighter future. When the market eventually bounces back and recovers, as it has done historically, these investors ride the wave of recovery back up, ending up even richer than before.
On the other hand, those who stick to just saving during these times find life more expensive as inflation takes its toll. When the market recovers, these people miss out on the gains because they weren’t invested to begin with.
#4 – Understanding Leverage
Understanding leverage is crucial. While many see debt as a burden, for the rich, the same concept of debt is referred to as leverage.
The key difference is how the money is used. The rich often use leverage to make more money by buying assets that appreciate over time, like real estate, stocks, or business ventures. Mortgages, in particular, are among the cheapest debt you can get.
Multi-millionaires use borrowed money to buy their homes, freeing up their own money for other assets with higher returns.
They essentially turn debt into an asset. Understanding the difference between debt and leverage and how you can use it for you instead of against you is important.
#5 – Avoid Social Proof
There is a whole phenomenon around keeping up with the Joneses, defined as the social pressure to match or surpass one’s neighbors in material possessions and social status.
This pressure is ingrained in today’s society, influenced by friends, celebrities, and social media trends. It’s better to live within your means and make financial decisions based on personal needs rather than long-term financial goals.
Succumbing to the pressure of keeping up with appearances can lead to financial instability.
#6 – Understanding Tax
Understanding tax is an important but neglected part of our education system.
There are many ways to legally reduce your tax bill that people don’t know about or educate themselves on. Knowing the intricacies of tax laws and capitalizing on legal loopholes is common practice among the rich.
But it’s not just for the ultra-rich or business owners. Even as an employee, you can increase your non-taxable income sources through retirement contributions and other means. Understanding the basics of tax and how they apply to you can save you thousands in the long run.
#7 – Focus on Production
Many people in the personal finance space focus purely on reducing expenses and living debt-free. While this strategy works for many, it’s important to also put emphasis on the production (income) side of the equation. Increasing your production value and income can be more effective in achieving financial goals than solely focusing on consumption.
Creating value in the market, whether through a day job, a business, a YouTube channel, or other means, can significantly increase your income and net worth.

The Financial Freedom Project Helps You Become Wealthy
This is intended for anyone looking to take control of their finances and get on the road to becoming a millionaire
The Financial Freedom Project is a super-exclusive program that will help you take your business to the first million in revenue. In this 6-12 month program, we will share for the first time ever, everything we did to hit that milestone in such a short time.
Most people don’t become financially independent because they never get to learn the inner game of money. The schooling system across the world never included the financial education in their curriculum. The millionaire project is a humble attempt to spread the knowledge on money and achieving financial freedom.
Through these five courses, you will cover a variety of personal finance topics, including budgets, investing, and managing risk. The readings, videos, and activities will prepare you to understand the current state of your money, as well as take actions to work toward your financial goals. This specialization is geared towards learners in the United States of America.
In each course, learners will get to apply the skills they are reading and hearing about through activity worksheets that allow them to apply the personal finance concepts towards their own money situation – including a budget, financial goals, and strategy. Read more
1. Introduction to Personal Finance
There are 4 modules in this course
This course is a general overview of a variety of personal finance topics – including budgeting, the importance of your credit score, cash flow, setting financial goals, and taxes. Taught by two CERTIFIED FINANCIAL PLANNER™ Professionals, the concepts are broken down through videos, readings, and activities so you can apply what you are learning in real time. The course provides the foundation to build on for the rest of The Fundamentals of Personal Finance Specialization or as a standalone survey course to improve your understanding of basic personal finance terminology, as well as how they apply to your own financial situation.
Whether you are just starting college, nearing retirement, or somewhere in between, this course will provide you with the knowledge to understand your money and actionable steps to manage your finances in the future. This course is geared towards learners in the United States of America.
- Introduction to Personal Finance
- Saving Money for the Future
- Managing Debt
- Fundamentals of Investing
Whether you are just starting college, nearing retirement, or somewhere in between, this course will provide you with the knowledge to understand your money and actionable steps to manage your finances in the future. This course is geared towards learners in the United States of America.
2. Saving Money for the Future
There are 4 modules in this course
This course is designed for anyone who currently has, or will have in the future have, savings goals. Learners will come to understand the importance of compounding growth, the variables that impact setting goals like retirement savings, and how much money you need to save now to reach future goals. The course will help learners think through individual goals, like retirement, but also how those goals fit into your bigger financial picture. For example, saving for retirement, buying a home, and funding college for your kids all at the same time. The instructors will also cover how preparing for emergencies can prevent the derailment of those financial goals.
The concepts covered in this course are broad but through the activities offered, learners will see how to apply what they are learning about saving money for the future to their lives now. This course is geared towards learners in the United States of America.
- Introduction to Personal Finance
- Saving Money for the Future
- Managing Debt
- Fundamentals of Investing
3. Managing Debt
There are 4 modules in this course
This course is aimed at anyone who has debt, is thinking of taking on debt, or wants to better understand debt as part of your overall financial picture. It covers a variety of debt types, as well as debt payment options. The course will help you assess your current debt situation and understand the paths to paying off your debt. This includes categories such as mortgages, credit card debt, and student loans. Learn how to differentiate between good and bad debt, as well as how to think about debt as you work towards your financial goals. This course is geared towards learners in the United States of America.
- Understanding the Basics of Debt and Home Loans
- Addressing Student Loan Debt
- Managing Credit Cards and other Debt
- Paying Down Debt Strategically
4. Fundamentals of Investing
There are 4 modules in this course
This is primarily aimed at novice investors who want to better understand the concept of investing and how it can fit into their overall financial plan. This course will cover different investment vehicles, risk tolerance, diversification, and the difference between active and passive investing, as well as investment fees and taxes.
Whether you are just getting started investing or want to play a more active role in your investment decisions, this course can provide you the knowledge to feel comfortable in the investing decisions you make for yourself and your family. This course is geared towards learners in the United States of America.
- Understanding the Different Types of Investment
- Balancing Risk and Return
- Developing an Investment Strategy
- Understanding Taxes and Fees
5. Risk Management in Personal Finance
There are 4 modules in this course
This course is primarily aimed at those who want to understand more about how they can protect their finances from unexpected events. This course covers the role insurance plays into your financial plan, including what kinds of insurance to explore, how to determine how much insurance you need, and how different kinds of insurance works. The course includes life insurance, health insurance, disability insurance, homeowners insurance, renters insurance, auto insurance, and umbrella insurance. You will also learn about estate planning, including the documents involved and special considerations for new parents.
This course helps you understand how protecting your money is an important part of financial planning. It is geared towards learners in the United States of America. It is part of The Fundamentals of Personal Finance specialization but can be taken as a standalone course as well.
- Understanding Basic Insurance Concepts
- Protecting Against Death and Disability
- Insuring Your Home Apartment or Car
- Implementing Estate Documentation
These are Some of the Important Money Lessons that School Failed to Teach Us to Become Wealthy
By understanding the true nature of money, investing wisely, leveraging debt, avoiding social pressure, optimizing tax strategies, and focusing on production, we can break out of the conventional system and achieve financial security. It’s crucial to educate ourselves and take control of our financial future.
If you want to learn how to make smart financial decisions, save more and eliminate debt, you’re in luck. Today there are plenty of free online personal finance classes to sharpen your money-management skills.
Keep in mind that online personal finance courses should be seen as an education resource and not specific personal financial advice “The information learned from taking a MKS Master Key Personal Finance Course should be applied within the context of your own financial situation, rather than following everything that is taught 100% to a T.
Too often, people read or hear something from a personal finance expert or a course that they are compelled to act on. Some things that you learn about in a personal finance course may not be applicable to you or may not be appropriate to implement in your own life.
MKS Master Key Personal Finance Course lessons can not only help you boost your money-management skills but may also inspire you to reflect on saving and spending patterns and help you build a strong foundation for success.
MKS Master Key Personal Finance Course lessons also drill down into topics including Roth IRAs, 401(k)s, stocks, bonds, certificates of deposit and strategies for eliminating credit card debt. In a nutshell, it can never hurt to try and be better informed about how you spend money.
Contact and Join MKS Master Key Personal Finance Coaching to Become Wealthy.
We’ll help you eliminate some of the Biggest Financial Mistakes Young Adults Make and how to manage your money better while utilizing and practicing your other skills so You Achieve Financial Freedom and Success.
Live Long and Prosperously,

Reitenbach-Kissinger Institute
Sydney Reitenbach and Michael Kissinger
Text: 650-515-7545
Email: mjkkissinger@yahoo.com
Review:
1. Uncle Scrooge Taught Us to Be Rich (We Didn’t Learn Because We Were Children: https://www.youtube.com/watch?v=muUvuTDOnF8&list=PLYyn-UVutcNCHfd8sSv0lmCax3sNdka2c&index=21
2. How to Become a Millionaire in 2024 – What Would Elon Musk Do?: https://www.youtube.com/watch?v=cDF56xuSLcY&list=PLYyn-UVutcNCHfd8sSv0lmCax3sNdka2c&index=22
3. Any POOR Young Adult Who Does this Becomes RICH Regardless Of Your Current Situation
4. We will Teach you How to be a MILLIONAIRE: https://www.youtube.com/watch?v=5fd4Nvse6Mo&t=30636s
5. They will TEACH you how to be RICH According to the Bible: https://www.youtube.com/watch?v=N_ce6kIr2ks&t=2251s
5. Richest Man In Babylon [50/30/20 Rule]: https://lnkd.in/gSQT9xxE
6. The Four Year Career Plan: https://lnkd.in/gu2bMmi3
7. MKS Master Key Coaching will Teach You How to be a MILLIONAIRE: https://lnkd.in/gnKkxZqG
8. MKS Master Key Challenge mksmasterkeycoaching.com
9. MKS Master Key Testimonials https://lnkd.in/gMS7XUg8
10. Master Key Experience: https://masterkeyexperience.com/

