𝐓𝐡𝐞 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐢𝐧 𝐘𝐨𝐮 𝐛𝐲 𝐌𝐢𝐜𝐡𝐚𝐞𝐥 𝐋𝐞𝐁𝐎𝐄𝐔𝐅, 𝐏𝐡.𝐃. is not just a book it’s a basic financial freedom blueprint. In this book 𝐋𝐞𝐁𝐎𝐄𝐔𝐅 explains different ways to grow our finances from zero to millions. I have prepared for you a brief summary to help you understand what he meant in his writings.

1. Wealth is a choice, not a chance. A financially independent person doesn’t work for money. Their money works for them and brings in more than they spend. We are today not because we were meant to be so but because of our choice and thoughts. The millions of choices you made yesterday are why you are where you are today.
2. Translate your dreams into goals. Your goals should be Believable, Energizing, Specific, and Timed. Set goals for every major area of your life. Translate your goals into action plans and ACTS on them. Do what you dear, and fear will vanish. Life is a daring adventure. Be bold, and mighty forces will come to your aid.
3. Invest your time actively and your money passively. Learn to do less good and have more done. Use the 80/20 rule to manage your time. 80% of the results we see/get are products of 20% effort. And the remaining 20% of the results we see/get are produced by the remaining 80% of the effort. So your duty now is to discover the 20% effort that accounts for the 80% results, pull your attention to that and delegate the rest. Increase the market value of your time instead of working long hours. Don’t be the one who works the most hours. Just be the one who is mostly there during the hours you work.
4. Think like a Capitalist. Instead of earning to spend, resolve to make twenty times the amount of money you want to spend in a year. Most people earn money with the primary intention of spending it, living pay check to pay check without accumulating lasting wealth. LeBoeuf explain about the 20x Rule: for every dollar you want to spend annually, aim to build $20 in income-producing assets. This rule is based on the idea that if you can earn a 5% return on your investments, $20 in capital will generate $1 in annual income. So, if your ideal lifestyle costs $100,000 per year, your real goal should be to accumulate $2 million in assets that work for you. This shift encourages smarter financial decisions, delayed gratification, and a focus on building wealth that provides freedom not just income. In short, don’t just earn to spend; earn to own, and let your money work for you.
5. Delayed gratification is not denied gratification. You’ll get to enjoy the money when there’s much, much more of it. It doesn’t mean you’ll never enjoy your money, it simply means being patient and strategic now so you can enjoy far greater rewards later. Instead of spending impulsively or living beyond your means, you choose to invest and build wealth. Over time, those disciplined choices compound, allowing you to reach a point where you can afford not just the basics, but true financial freedom and abundance. The message is clear: you’re not giving up enjoyment, you’re just postponing it until you can afford much more of it, without stress, debt, or limitation.
6. Use the “Lagniappe” principle to get the world to pay you for more than what you do. “Lagniappe” principle is a concept borrowed from Creole culture that means “a little extra” something unexpected and valuable given at no extra cost. LeBoeuf explains that if you consistently give more than expected, people will not only notice but reward you disproportionately. In business and in life, those who apply this principle build trust, stand out, and create lasting loyalty. Whether you’re offering a product, service, or your own labour, always deliver something extra, a bonus insight, a faster turnaround, a touch of personal care. When you make people feel like they’re getting more than they paid for, they’ll come back, refer others, and often pay you more than you’re technically worth, because value isn’t measured only by effort, it’s measured by impact and delight. Give more, and the world will pay you more in return.
7. Make the most of prime time. Ensure you work on the most important thing on your schedule list when you are at your best. Say no to the unessential. Delegate everything but genius. the hours of your day when you have the most energy, focus, and creativity. For most people, this is typically the morning, but it can vary depending on your natural rhythm. LeBoeuf argues that your prime time should be protected and used for your most valuable activities, the ones that directly contribute to your goals, income, or long-term success. Too often, people waste these peak hours on low-value tasks like emails, errands, or social media. Instead, use this time to work on your business, invest in learning, plan strategically, or solve important problems. When you align your highest-value activities with your highest-energy hours, you get far more done, and you move much faster toward financial independence and a more fulfilling life.
8. Overcome clutters by making prompt decisions. Anytime you pick up a task, resolve to give it the best of your attention. Either in the form of messy desks, overloaded inboxes, or lingering decisions, drains your energy and focus. LeBoeuf advises that when you pick up a task or face a decision, commit to giving it your full attention and resolve it quickly. Don’t let tasks pile up in mental limbo or physical to-do lists. Whether it’s filing, delegating, acting, or discarding take immediate action. This habit not only clears space in your environment and mind but also builds momentum, sharpens your decision-making ability, and boosts your productivity. In short, prompt decisions clear clutter — and clear clutter clears the path to success.
9. Do it now instead of regretting it later. Take that action now; boldness has genius, power, and magic. Every day you delay lessons; the number of days you will enjoy financial freedom. Procrastination is one of the biggest silent killers of success, it delays progress, adds stress, and often leads to missed opportunities. LeBoeuf’s message is simple but powerful: Do it now. Whether it’s starting that side hustle, making a difficult phone call, investing in your future, or fixing a bad habit, waiting rarely makes it easier. The longer you delay, the more likely regret will take the place of results. Action, even if imperfect, moves you forward. As LeBoeuf puts it, “Doing it now is the antidote to regret later.”
10. If you want to lead a long and happy life, find something you like to do and keep doing it for as long as you live. Purpose and passion aren’t just feel-good concepts; they’re essential to both success and well-being. When your work aligns with your interests and strengths, it stops feeling like a chore and starts becoming a source of energy, fulfillment, and even longevity. LeBoeuf argues that loving what you do not only increases your chances of financial success, but also leads to a richer, more meaningful life. The key isn’t just to chase money, it’s to build a life around work you truly enjoy and keep growing in it for as long as you’re able.

Reading books help us to stand out against majority with unique mindset. I recommend, you start reading books and add 𝐓𝐡𝐞 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐢𝐧 𝐘𝐨𝐮 𝐛𝐲 𝐌𝐢𝐜𝐡𝐚𝐞𝐥 𝐋𝐞𝐁𝐎𝐄𝐔𝐅, 𝐏𝐡.𝐃.in your list. There are more reviews to come, subscribe to our newsletter so as to be the first to receive our exclusive updates. Living a comment will help us understand how this article has helped you but also share with your friend so he or she can understand more about financial freedom by 𝐌𝐢𝐜𝐡𝐚𝐞𝐥 𝐋𝐞𝐁𝐎𝐄𝐔𝐅.