The program that I’m recommending to you — which incorporates nothing but strategies that have worked for me and for people I know — is broken down into 6 steps:

• Step 1. You’re going to face some hard facts. You are not going to get rich by saving 10 percent of your income every month. And you shouldn’t be so foolish as to count on your company’s pension plan or the government to take care of you when you get older. It’s up to you.

• Step 2. You’re going to plan to be rich. You can’t wish yourself to wealth, you have to plan for it . . . one detail at a time. I’ll show you not only how I did it but also what has worked for my friends and colleagues.

• Step 3. You’re going to develop wealthy habits. The rich are different from ordinary people, and it’s not just the money. There are specific behaviors that are likely to make you wealthier, just as there are specific behaviors that are likely to make you poorer.

• Step 4. You’re going to increase your income—radically. Forget 3 percent or 4 percent raises. I’ll show you how to boost your income 25 percent to 150 percent. And that’s just for starters.

• Step 5. You’re going to get richer automatically . . . even while you sleep. Getting rich is not just about increasing your income. The true secret to wealth is building equity. I’ll show you how to do it . . . without quitting your day job.

• Step 6. You’re going to retire early (if you want to). I don’t believe in retiring. Not really. That’s because I like my work and wouldn’t enjoy life so much without it. But what you do in your retirement years, where you do it, and how many hours you work at it should be entirely up to you. I’ll show you how to have that kind of control.

Although you should begin your journey by taking the first two steps in sequence, you can take the other four steps almost simultaneously.

My approach to wealth building is to do a modest amount of everything that works, following a well-conceived plan that focuses on building income and equity simultaneously. I like real estate, but it’s not the only thing I do. I invest in stocks and bonds—and have had considerable success in these areas (mostly by being conservative), but I’m hardly an expert. I am big on starting your own business, but I recognize that not everyone can do that. I like the fun of investing in high-income passive structures, but I recognize that many of these are not what they are cracked up to be.

The ultimate goal of my Automatic Wealth program is threefold:

1. To increase your net income dramatically and quickly

2. To develop your wealth-building skills and habits and turn yourself into an automatic wealth-building machine

3. To make it possible for you to retire early—if that’s what you choose to do

I believe you can accomplish all of these goals in 7 to 15 years. You may accomplish them sooner.