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Making Your First Million Dollars

Exploring the One Key Thing Holding You Back from Financial Independence

by Danielle Rittman

Way too often, when people struggle to accomplish their financial goals, what stops them is not a lack of capital, expertise, or time. Sure, they might be low in all three of these key resources, but capital, expertise, and time aren't truly what is stopping most people from making their first million dollars.

To find the real culpruit, the one key thing holding people back from acheiving financial independence, you have to travel back in time with me to the Industrial Revolution.

By taking a brief journey back to the Industrial Age, you will discover the assembly lines designed to produce non-millionaires enmass.

As of December 2023, this antiquated manufacturing system is effective at keeping 99% of its populating from becoming millionaires in the 21st century.

How the Industrial Age Influenced the US Public Education System

The transition from agrarian and craft-based economies to industrialization began in the northeastern United States in the late 18th century, and subsequently, the Industrial Revolution gained momentum from the early 19th century. Technological innovations, such as the cotton gin, steam engine, and advances in transportation (canals and railroads), contributed to industrial growth.

With the industrial economy's demand for a literate and numerate workforce, states began enacting compulsory education laws. This movement laid the groundwork for the development of the US public education system. The growing recognition of the importance of education led to an expansion of schooling.

More schools were established, and efforts were made to increase access to education, especially for the working-class population. The need for standardized skills in an industrial society led to a more uniform curriculum. Basic skills such as reading, writing, and arithmetic became fundamental, reflecting the practical needs of an industrial workforce.

Key Features of the Factory Model of Education

The industrial era's efficiency-oriented mindset influenced the organization of schools. The "factory model" of education emerged, characterized by classrooms arranged in rows, fixed schedules, and a focus on discipline and order. Other key features of the factory model of education are noted below:

Standardization: The factory model emphasizes uniformity in curriculum, teaching methods, and assessment. Students progress through a standardized set of subjects and grade levels, typically at the same pace.

Division of Labor: Similar to industrial assembly lines, the education system divides tasks among teachers, each specializing in a specific subject.

Bells and Schedules: The rigid bell schedule, with set periods for different subjects, mirrors the structured nature of industrial work shifts. Students move from one class to another at predetermined times.

Age-Based Grading: Students are typically grouped by age, regardless of individual learning readiness or pace. This practice aligns with the factory model's efficiency.

Testing and Standardized Assessments: Standardized testing, a hallmark of the factory model, is used to measure student performance and hold schools accountable.

Hierarchy and Control: The model often features a hierarchical structure with administrators, principals, teachers, and students, resembling the organizational hierarchy of a factory. Control and decision-making traditionally flow from the top down.

Public Education's Role in Modern Society

During the Industrial Age, which ended more than 170 years ago, public education served its purpose - preparing the masses to become working-class citizens.

The working class is often associated with manual or blue-collar labor, including jobs in manufacturing, construction, service industries, and skilled trades. While working-class individuals may have access to basic resources, they may face financial constraints and have limited or no knowledge of how to build sustainable wealth.

Public education's role has not changed since the Industrial Age in part because the education system's purpose has not changed. Once you graduate from high school, you are prepared to follow the path of the working class.

Those who pursue higher education options and graduate into the middle class still have a working class mentality and inevitably find ways to deplete their finances to the point of being one step away from poverty.

The Working Class Mindset - You Are As You Think

Anyone who lives from paycheck to paycheck, no matter how large the paycheck, is one step away from poverty. They might be highly paid lawyers and athletes with a working class mindset, so no matter how far they climb up the social ladder, they cannot escape their childhood conditioning.

Public education has spent over a century conditioning young minds to follow a well-crafted, working class script into adulthood.

If I liken the lifespan of humans to a plant's anatomy, our adulthood is the plant one sees above the soil, and our childhood are the roots hidden beneath the soil. In other words, adulthood does not provide an escape from the experiences and conditioning of your childhood because your adulthood is rooted in your childhood.

Your adulthood is rooted in your childhood.

Because you can't see your childhood beneath the surface of your life, you aren't aware of the script that you've been following in your adult life. You see the fruits of youthful programming and conditioning, but maybe you have never made the connection until now that your young mind was trained to keep you from becoming a millionaire.

The Wealthiest 1% vs. Everyone Else in the US

Let's compare the wealthiest 1% to everyone else in the US. The upper class, which includes the wealthiest 1% of Americans, hold a disproportionately large share of the country's total wealth. The Economic Policy Institute published a report in 2016 titled, "Income Inequality in the U.S. by State, Metropolitan Area, and County". Below is an excerpt of their findings:

Income inequality has risen in every state since the 1970s and in many states is up in the post–Great Recession era. In 24 states, the top 1 percent captured at least half of all income growth between 2009 and 2013, and in 15 of those states, the top 1 percent captured all income growth. In another 10 states, top 1 percent incomes grew in the double digits, while bottom 99 percent incomes fell. For the United States overall, the top 1 percent captured 85.1 percent of total income growth between 2009 and 2013. In 2013 the top 1 percent of families nationally made 25.3 times as much as the bottom 99 percent.

Your probably work harder than the upper class. You probably pay more taxes than them too. However, working harder, longer, and faster than others will not make you rich.

Challenge Yourself to Break Free and Become a Millionaire

Let's remember where your financial problems lay. It exists beneath the surface in a realm you cannot even see with your eyes. You can see the fruit (e.g., living from paycheck to paycheck), but not the root problem, which is the working class script you've been following.

The working class script doesn't align with your destiny, your values, your hopes and dreams, nor your faith.

Your mindset is wired to prevent you from experiencing abundance in every area of your life. You say that you want financial freedom. Well, it will come when you start to free your mind from thinking like a working class citizen. And though I'd like to blame our modern education system for enslaving young minds, those keeping the Industrial Age education system afloat are likewise enslaved.

The purpose of the 2024 Millionaire Challenge is to challenge the masses to break free from the working class mindset for at least 28 days. The challenge provides a means for participants to measure their results and celebrate whatever breakthroughs they have along the way. They might not become a millionaire after 28 days, but they will begin to see the old school script at work and how it is blocking their progress.

Why not join us? If you don't become a millionaire within 28 days, you will not lose anything, but you will gain some mental freedom. You will build your cash reserves. You will think of innovative ways to make more money faster. And... you might decide to try the challenge again and again, until you finally break free and save $1.3M in 28 days.

Financial freedom is just a few days away. Sign up for the 2024 Millionaire Challenge NOW!


Income inequality in the U.S. by state, metropolitan area, and county report • By Estelle Sommeiller, Mark Price, and Ellis Wazeter • June 16, 2016

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