When you were in university, and your lecturer had to share handouts, but they were not enough, he simply made photocopies from the one he had. Is that not so? Learn from that. When you have money, but it is not sufficient, make photocopies of your money. A business is a money photocopier. An investment is a money photocopier. An asset, such as a house you can rent, is a money photocopier. Stop consuming your original. Photocopy it and consume the photocopies. Invest your earned income. That is your capital. Spend your dividends. Those are your disposable income.”