People keep asking how to get rich. Looking around, you’ll see that it’s not just the wealthy who are born rich; many people start from zero and can build their wealth themselves. The most important thing is really about mindset and understanding financial planning.

To be honest, starting from zero isn’t as difficult as you think. You just need to know which direction to move forward. The first thing to do is to organize your financial plan systematically. Divide your money into different parts, such as savings, expenses, and investments. It’s not that complicated; you just need discipline. Some people start by depositing 10% of their income monthly. Even if the interest is low, it’s a good starting point. As you gain more knowledge, you can gradually move into investing in other asset classes.

Regarding investing, don’t rush like others. Prioritize gaining knowledge first. Buy books, attend courses, learn about what interests you. Once you have a foundation, gradually try investing in assets you are familiar with, whether stocks, digital assets, or real estate—whatever you feel confident about.

Another important point is that, in this high-cost-of-living era, having only one source of income isn’t enough. You need to find ways to earn extra income—selling online, freelancing, or other side jobs you’re good at. When you have multiple income streams, your bank account will grow faster.

But be careful with debt, too. It’s not that you should never borrow, sometimes borrowing to invest in stable assets is okay. But you must have a clear repayment plan. Avoid taking on new debt to pay off old debt, as it can trap your money in a vicious cycle, never enough.

Starting from zero requires patience—patience for growth. You might need to cut expenses in the beginning, endure tough market conditions, and accept initial failures. But once you get through it, you’ll see results gradually.

Another good approach is to start your own business. Begin small, expand step by step, reinvest the profits, and keep developing your business. Learn about marketing, understand your customers, and leverage technology. Successful businesses don’t just generate income; they also create ongoing income opportunities.

Skill development is also crucial. Valuable skills in the market can help you earn more, whether from a regular job or freelancing. The more valuable your skills, the higher your income potential.

Finally, the people around you are very important. Surround yourself with successful individuals. Join activities, seminars, and strong networks that can open many doors—be it partners, mentors, or new profit opportunities.

Honestly, wealth doesn’t come from luck; it comes from taking action yourself. Change your mindset first, keep learning, and seek out successful people. You’ll see that starting from zero isn’t an obstacle—it’s just the beginning.