21 ST C ENTURY P UBLISHING

WHAT I DIDN’T
LEARN AT SCHOOL
BUT WISH I HAD
BY JAMIE McINTYRE

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This edition has been revised and updated for the Global Credit Crisis with several new chapters and
additional brand new strategies including E-minis Trading, Property Options and Tax & Asset Protection
21 ST C ENTURY P UBLISHING

WHAT I DIDN’T
LEARN AT SCHOOL
BUT WISH I HAD
BY JAMIE McINTYRE
Disclaimer - Important Information
The information presented in this book is based on the author
Jamie McIntyre's personal experiences as an entrepreneur,
consultant, coach investor and other people he has modelled in
detail. You may have to modify them, do further research on them
or adapt them to suit your personal financial situation.
Any information presented is given purely as an illustration and
should not be construed as a specific investment
recommendation.
The laws relating to investment, taxation, benefits and the
handling of money are constantly changing and are often subject
to changes in Government policy. Whilst every care has been
taken to ensure the accuracy of the material contained herein at
the time of publication and presentation, neither the author,
presenter, promoters nor the publishers will bear any
responsibility or liability for any action taken by any person,
persons or organisations on the purported basis of information
contained in this book.
Without limiting the generality of the foregoing, no person,
persons or organisations should invest moneys or take other
action by relying on the material contained in this book or any
support material, but instead should satisfy themselves
independently (whether by expert advice or otherwise), of the
appropriateness of any such action.
Every effort has been made to ensure that this book is free
from error or omissions. However, the publisher, the author, the
editor, or their respective employees or agents, shall not accept
responsibility for injury, loss or damage occasioned to any
person acting or refraining from action as a result of material in
this book whether or not such injury, loss or damage is in any
way due to any negligent act or omission, breach of duty or
default on the part of the publisher, the author, the editor, or their
respective employees or agents.

Editor’s Note: As of August 2007 the author became Australian

PS146 compliant in General Advice, Derivatives and Managed
Investments.
Jamie McIntyre is an employee of 21st Century Investment
Services Pty Ltd and an authorised representative of Romad
Financial Services Pty Ltd (AFSL No 238 032). Jamie has been
certified by Romad as being qualified in the areas of derivatives,
securities and managed investment products. He is currently
authorised to provide general advice and dealing services in
Derivatives, Deposit Products, Managed Investments and
Securities (ASIC No. 321 315).
First published in 2002
Revised and enlarged August 2009

Published by 21st Century Publishing

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Copyright 2002-2009 21st Century Publishing

All rights reserved. No part of this book may be reproduced or

transmitted in any form or by any means, electronic or
mechanical, including photocopying, recording or by any
information storage and retrieval system, without prior permission
in writing from the publisher

National Library of Australia Cataloguing- in-Publication entry:

McIntyre, Jamie

What I didn't learn at school but wish I had

ISBN 978-1-921458-19-4

Printed and bound in Australia by Griffin Press

For Wholesale Discounts or Reorders e-mail viv@21stca.com.au

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Foreword
My belief is that if you are not just curious but committed to
excelling in your life in the 21st Century, then what you will find
in this book will be a real gift to you from someone who is
committed to helping you achieve similar things if you so desire.
You can join the thousands of others who are applying these
strategies and improving their lives immensely. I know I was
extremely grateful when I first learnt this information - an
education for life. In this book you will learn:
• How to develop the mindset of a millionaire
• Why most people fail
• The history of money, how the systems control it and why you
must understand this, and why you must understand this to
understand the current Global Crisis and why the worst may
yet be to come.
• A real life 21st century modern day education that enabled me
to excel financially, more than what I learned at school or
university
• How to rewire your subconscious mind for financial success
• How to generate instant cash flow, even if you have little
money to start with
• How smart investors earn $35,000 per year from investment
property - Tax Free
• What you should have been taught at school, but were not
• The 4 key skills you must master to succeed in the 21st century
and how others have used these to earn over $100,000 p.a.
• The 5 key components of a 21st Century Education that should
be taught at school
• How smart investors are replacing their income in 90 to 180
days or less by using a unique renting strategy
• 8 ways investors raise money to start investing immediately,
even if they have no money
• How to easily develop the mindset of a millionaire and think
like a winner.
In this updated edition I've also added chapters on how to make
$1000 to $5000 a week trading the E-minis market, a chapter
from one of my millionaire friends about how he makes millions
using property options and a chapter from my accountant on how
to minimise your tax and protect your assets legally.
I have also added a chapter on a typical day in a millionaire's
life for a recent 30-day period as I find reading books by other
successful people is a valuable way to learn more distinctions by
reading about what they do on a day to day basis. I also share
some of things that have been happening in my life since
releasing this book way back in 2002.
Since the first release of this book in 2002 the world has
changed dramatically, especially with the Global Credit Crisis
and stock market crash that occurred in late 2007 and continues
well into 2009 and is likely to continue for sometime.
This means the rules of investing have completely changed
especially the buy and hold strategy financial planners have
espoused for decades which has proven to be a disaster for most
investors who continued to be charged outrageous commissions
for financial advisors to lose there retirement funds.
However many of the strategies I taught back in 2002 are still
as effective today and some more so thanks to the Global Credit
Crisis causing such stock market volatility.
To accomplish these objectives, I believe it is important to
share parts of my story to make it more relatable and also spend
time on developing a solid foundation of understanding the big
picture of money and how to change our thinking to be more
effective at implementing these exciting strategies.
If someone told me fifteen years ago that this is how my life
would be I would never have believed them, especially from
where I was starting. I share the following with you, not to
impress you but to impress upon you dreams do still come true.
They did for me and I believe they can for you.
I still pinch myself for being able to sit in my outdoor hot tub on
the deck of a multi-million dollar mansion, overlooking the pool
and waterfall that flows into the extended lounge room of my
luxury waterfront home. The reality of my life today sinks in
when I glance out over the water, looking at a gleaming brand
new luxury sports cruiser boat.
I am planning the next overseas holiday to include a stay with
some of my closest friends and family in our brand new luxury
winter home in the mountains overlooking Queenstown, New
Zealand. It is comforting to have the feeling that despite still being
only in my thirties, I never have to work another day in my life
unless I choose.
I reflect with immense gratitude on my life and can hardly
believe that some of my wildest dreams are now a reality, like
having a farm to escape to the solitude of nature, with its own
personal airfield for a private plane to land.
Or to have a beautiful apartment in Sydney overlooking, in my
opinion, the world's most beautiful harbour, to entertain friends
when visiting this beautiful city. Or to be able to stay in a luxury
chalet in one of the world's top ski resorts in Whistler, Canada.
What is even more exciting is to have the thrill of having
enough money to sponsor a whole school of children in a third
world country and experience the happiness this brings to their
faces.
And being able to help our own Australian and New Zealand
teenagers transform their lives by donating teenage scholarships
to educate them with a real life education, unfortunately not
taught in our schools yet.
I love being able to travel regularly to some of the most
beautiful places in the world like Monte Carlo, Portofino, Venice,
Prague, Africa, Majorca, the Caribbean, Canada, Machu Picchu
in Peru, Aitutaki in the Cook Islands, to name just a few magical
places in our beautiful world.
Even more important than just the wonderful material things I
am blessed with today, is being surrounded by like minded friends
and having the freedom to do whatever I want, whenever I want,
with whomever I want, as much as I want and importantly
spending quality time with family and taking them on exotic
holidays.
What touches me the most is to know that I get to live my life's
purpose, serve my creator and contribute and impact on so many
people's lives in such a positive manner. There is hardly a week
that goes by that I am not touched deeply by someone sending
me a card or present or an email thanking me for the difference I
have been able to make to their lives or the lives of their teenage
children.
Also getting pulled up in restaurants and being thanked
profusely by people who have recognised me from a live seminar
where I have been asked to share my strategies, concepts and
ideas with fellow Australians and thanking me for how it has
changed their lives.
I share none of this to impress you as I said, as I am humbled by
my life today and you will understand why when I share my
story. However, I share it more to impress upon you that what I
am attempting and intending to do by writing this book is to share
freely with you the ideas, strategies and concepts that have
transformed my entire life over the last eight to fifteen years.
This includes my health, relationships, my emotional fulfilment
and especially my finances. I went from sleeping on a mate's
couch (mate means 'friend' if you are not an Australian),
$150,000 in personal debt, no job, no income, no assets, not even
$20 left in my wallet, virtually bankrupt, to becoming a self made
millionaire in a little under five years while creating an
extraordinary quality of life for myself and others. I was able to
build a group of companies from scratch facing extraordinary
challenges along the way, which were valued at between $70 to
$100 million in mid 2008.
My belief is that if you are not just curious, but committed to
excelling in your life in the 21st century, then what you will find
in this book will be a real gift to you from someone who is
committed to helping others achieve similar things, if you so
desire.
You can join the thousands of others who are applying these
strategies and improving their lives immensely. I know I was
extremely grateful when I first learned this information, so I
commend you in advance for taking action and developing a 21st
Century Education, an education for life.
I would be honoured if you would consider me as a friend, a
coach, working together through this book, step by step creating
and redesigning your life, with an emphasis on improving your
financial results until you produce the results you ultimately
desire. Let's begin shall we, as it is an exciting journey you are
starting on.
If only I had learnt this education at school, how much easier
life would have been for me and no doubt many others. My
dream is this type of education will soon be available in all
Australian and New Zealand high schools, especially if I get my
way.
My special thanks to all the 21st Century Team amongst the
group of companies that contribute to ensuring we not only
provide a modern day education world-wide, but also the support
required for our members to effectively implement the strategies
into their life.
Jamie McIntyre, August 2009
Contents
1 The key to becoming wealthy ..................................................1
How and when do you measure education's success? ..............2
My expectations of this book .....................................................3

2 Why do most people fail? ...................................................... 19

Denial ..................................................................................... 23
Accountability and Action ........................................................25
Gratitude .................................................................................26
Mindset and Strategies ........................................................... 27
Here is the key ........................................................................30

3 The world of money ............................................................... 32

Let's consider changing our wealth conditioning ......................35
Why many children grow up feeling guilty about wealth ........... 36
Why you repel money if you are negative.................................38
Why you should buy quality, not cheap discounted products ...39
Do you charge enough? ......................................................... 40
Do you believe in scarcity or abundance? ............................... 42
How to have money work for us ...............................................45

4 Money is just an idea .............................................................47

Fractional Reserve Banking .....................................................48
Australia, one of the highest taxed nations in the world ...........53
The wealth of a nation is determined by the individuals............56

5 What's causing the Global Credit Crisis.................................61

The US Federal Reserve .........................................................62
Media complicity ......................................................................66
The Money Changers in Jerusalem .........................................68
The Goldsmiths of mediaeval England.....................................69
The American Revolution.........................................................73
The Bank of North America .....................................................76
The Constitutional Convention ................................................77
The First Bank of the United States ........................................ 80
Napoleon's rise to power in France ......................................... 82
Demise of the First Bank of the United States..........................83
The Battle of Waterloo, 1815 ..................................................84
Economic history, capitalism and communism...........................86

6 What is a 21st century education? ........................................88

What is Emotional Intelligence? ...............................................90
What is financial intelligence? ..................................................98
The Middle Class ...................................................................103
What the Rich do differently!.................................................. 105
Four Key Skills....................................................................... 106
RPA - Results, Purpose and Action ......................................107
If you wish to succeed, always start with the end in mind........108
7 How to raise your energy levels fast! ................................. 109
Attracting money and success into your life........................... 110
Disease is another word for disharmony ................................ 115
Decide what gives you energy................................................119

8 Developing the mindset of a Millionaire by rewiring your

subconscious for wealth creation .......................................121
Most of us will do more to avoid pain than we will to gain pleasure
123
What is money?..................................................................... 125
The meaning of money exercise.............................................126

9 How to find out what your primary purpose is .................... 129

What do you want in your life? .............................................. 133
Write your own eulogy............................................................134
Put your primary purpose down on paper...............................139

10 Designing your life .............................................................142

SMARTIES.............................................................................143
Create a Goal Board and a Vision Poster ..............................145
Napoleon Hill..........................................................................147
Goals.....................................................................................148
Master Dream List.................................................................. 150

11 The Six Human needs ........................................................151

Anthony Robbins has identified the Six Human Needs...........152
Constructive ways of meeting our need for growth..................154

12 Establish your financial goals ...........................................158

What is the true measure of financial wealth?.........................159
Making your personal financial dreams a reality......................160
Defining what you want financially .........................................161
How to put your kids through university................................. 162
Education Timer.....................................................................163
Cut your mortgage in half!......................................................164
Financial Protection................................................................165
Sample Payment Schedules.................................................. 170
A wealth questionnaire...........................................................171
The Wealthy Are Scarce.........................................................172
Your personal financial dreams realised................................ 173
The wealth bucket .................................................................174
How you can pay for your child's education and more............ 175
Critical Mass...........................................................................176
How Your Money Grows Annually...........................................177
The effects of compound interest...........................................179
The benefit of cutting expenses.............................................180
The hot dog parable.............................................................. 181
A Grain of Rice.......................................................................181
13 Debt reduction and cash flow management ......................183
Debt reduction strategy..........................................................184
Debt-Elimination Time Calculator............................................ 185
Wealth-Building/Retirement Calculator....................................186
How to eliminate debt in 3 to 7 years .....................................186
Homework..............................................................................187
Your Wealth Creation System ................................................188
Are you a poor money manager or a good money manager? 189
Investment portfolio ...............................................................190

14 Eight steps on the path to becoming a millionaire ............191

The bank............................................................................... 192
The true definition of a business ........................................... 196
Savings .................................................................................198
The four skills of a 21st century education .............................200
What are you worth? .............................................................202
Five forms of income game ....................................................203
Other People's Money (O.P.M.)............................................. 204
Using equity ..........................................................................206
Parent's Equity ......................................................................207
Superannuation ....................................................................209
How to make money out of thin air ........................................ 210
Renovations ..........................................................................212
Creating cash flow through renting ........................................215
Case study; How to make money with OPM ...........................217

15 Instant cash flow strategies .............................................. 218

Buying shares .......................................................................219
Warren Buffett's share selection methodology........................222
Channelling ...........................................................................223
Leverage .............................................................................. 225
Insuring your shares.............................................................. 227
The way down strategy ......................................................... 228
The way up and the way down strategy ................................ 229
Renting shares ......................................................................230
Ability to liquidate ..................................................................233
Selling insurance....................................................................245

16 A month in my life...............................................................247

17 Fast Track Property Strategies ......................................... 279

Why invest in real estate? ..................................................... 280
Millionaires from real estate ................................................... 280
What about a line of credit? .................................................. 282
A 10-year plan....................................................................... 284
How wealth is generated........................................................286
Fast Track Property Strategies............................................... 287
Property vs buying stocks on the stock market....................... 287
Property organising principles.................................................288
Adding value to a property.....................................................289
 Adding value to the tenant.....................................................290
A 21-point property checklist.................................................. 293
How to obtain 100 per cent finance........................................298
Some finance questions that you will need to address .......... 298
Can I borrow money to finance property if I have little income? 300
What happens if I cannot obtain 100 percent finance? ......... 301
Should I get a finance broker to arrange my loan?.................302

18 Tax secrets of the rich........................................................304

Introduction to Trusts............................................................. 305
What is a 'bucket company'? .................................................311
Trusts summary......................................................................313
Are your assets protected?.................................................... 319
Some examples of warning labels.......................................... 323
The strawman and person of substance.................................324
Companies have two main players......................................... 325
Businesses and asset protection............................................327

19 Trading E-minis...................................................................332
A trading career in E-minis .....................................................333
What is an E-mini? ................................................................ 334
Some benefits of E-minis .......................................................335
Advantages of Trading Mini S&P 500 Futures and Options ...336
What, exactly are Mini S&P 500 Futures? ..............................336
Trading E-minis has many advantages...................................338
E-minis traders use a range of charts..................................... 343
Trading E-minis - some frequently asked questions ............... 345
E-minis case study................................................................. 346

20 Property Options.................................................................349
How can you 'sell' real estate if you don't own (buy) it first?.... 350
Mark Rolton............................................................................351
Mark Rolton's five criteria for ideal Options..............................353
How much deposit should I pay for an Option?...................... 354
Using Other Peoples' Money (OPM)....................................... 355
Options for success - Money from thin air............................... 355
Some real estate tips from Mark Rolton.................................. 357
Negotiating Options............................................................... 358
The Churn Principle................................................................359
Cycles in the Real Estate Market............................................362
Key legalities..........................................................................363
Option Combinations..............................................................365

21 The baby bucket principle .................................................369

Lifestyle bucket......................................................................372
Some advice from Bill Gates...................................................378

22 Success stories .................................................................380

Index ....................................................................................... 389