More and more people today come to the idea that it is not necessary to be born with some kind of skills: absolutely everything in the world can be learned. You can get rid of communication problems, learn to organize your time, generate interesting ideas- all these skills are not acquired within the walls educational institutions, but at a variety of trainings. They say that you can even learn to be rich. There are dozens and hundreds of coaches who have their own patented methods, one of them is Temchenko's Millionaire Club. Reviews and only reviews will help you understand how effective this particular approach to generating wealth is.
The author of the project
Let's start with the personalities. Maxim Temchenko positions himself as a financial consultant, entrepreneur and trainer in various fields. The scope of his activities is really surprising: this is training and extreme development of physical abilities (up to practices subject to yogis, such as walking on coals and dancing on broken glass), and various business schemes.
Temchenko works with neurolinguistic programming, that is, he has a documented ability to influence people and inspire them with certain thoughts. Of course, each of his programs collects numerous reviews. The Millionaires Club was no exception.
About what
So, what is the "Secret Club of Millionaires", reviews of which have spread far beyond the community of people interested in training? This technique is designed for three months and, according to the promises of the author, allows those who have passed it to learn how to set goals correctly and thereby improve their financial condition in a short time. People are attracted through workshops, where the founder of the program shares his own experience.
How exactly goes
But not understanding what Temchenko's "Millionaire Club" is, it is too early to discuss reviews, isn't it? The program is aimed at developing a financial mindset, which is more often inherent in bankers, stock players and other people constantly rotating in the business world. Therefore, training begins with classes on financial literacy: difficult to operate on a completely unfamiliar field. The next step, following the methodology, is the restructuring of cash flows, that is, understanding where the money comes from, where it goes, and amending the current state of affairs in this area.
Further, the trainees will learn how to optimize their expenses. And then the secret "Club of Millionaires", reviews of which clearly attract the attention of potential listeners, will teach you how to increase your active income. The final stage of training will be a blitz course on investment, in which they will consider best ways investing. The technique is structured and clear, it remains to understand how effective it is.
Pros of trainings
Of course, how many people - so many opinions: the reviews "Club of Millionaires" collects the most controversial. Many listeners note that the persuasiveness of a coach really helps to believe in yourself and start changing something in this life. In addition, the very presentation of information, the construction of the course and, most importantly, a large number of author's exercises conducted as part of the trainings, help the listeners to maximize their potential and assimilate such volumes of information that usually seem overwhelming. Separately, they also note the author's ability to work with a wide variety of contingents, that is, to give the opportunity for realization to absolutely everyone.
Work in other cities
Reviews of the Millionaires Club website, where local coaches are recruited, deserve special attention. That is, after passing a certain training, Maxim Temchenko issues something like a license to teach his methods in a certain city. Prospective trainers are invited to participate in the webinar conducted by the direct author (or watch his recording if the event has already passed).
Temchenko also tells the story of the "Club", and demonstrates the prospects for development, and explains how to attract new people - we can say that this is the same pyramid as in the well-known network marketing when the more people you bring, the more you earn. It is clear that those who will bring in new listeners are prepared by Maxim Temchenko himself. The Millionaires' Club does not collect neutral reviews: people either protest violently against it, regretting the money spent, or they thank the day when they decided to undergo training, thereby laying the foundation for their financial success.
results
The Millionaires' Club receives positive reviews from a huge number of its members. Its main goal, as mentioned above, is to improve material well-being.
According to surveys, almost all students of the course already during its passage (and this is twelve weeks, in each of which one meeting is held for two hours) pay off the costs of the training (about $ 650), and almost everyone begins to invest their finances, and not just accumulate them. The fact that about a quarter of the participants radically change their lives by starting their own business deserves special attention.
Acquired skills
The participants have a lot to thank the closed “Millionaire Club” for. Reviews are left about the acquired skills of budget planning, and about the financial discipline instilled in the framework of a few, but useful classes, and about the basics of time management, so relevant for all those who want to be successful. Almost every aspect of the training deserves a positive assessment of some of the course participants.
The audience is especially captivated by the opportunity to get acquainted with real examples, and not only with the founder of the program, but also with other people from the world of business, specially invited to some classes as experts. Some listeners note that after they joined the "Club" their income has grown almost fivefold - such figures are really amazing.
Negative reasons
But it can't be that good, can it? Like any project, Maxim Temchenko's “Millionaire Club” also has negative reviews. The most common reason for dissatisfaction, as in most similar cases, is the accusation of the ineffectiveness of the methodology and the waste of rather substantial sums on such a dubious activity. Here, by the way, the reason may also be the reluctance of people to go to the end, their lack of steadfastness and self-confidence. And as an excuse, those who quit halfway tend to use the argument that the very circumstances were against them.
Exorbitant cost
But it does not happen that absolutely everyone is satisfied with the Millionaires Club. Negative reviews are most often associated with the high cost of the project, which is often really overwhelming for many people. The listeners note that if the fee was at least in several stages, so that you can somehow raise funds, rebuild your budget, and so on, it would be much more convenient. Now, people whose income is average or below average cannot be involved in the project - they usually do not have savings, and it is very difficult for them to pay immediately the amount that Temchenko requires for their services.
Inefficiency
The Millionaires' Club collects bad reviews also because it is accused of inefficiency, they say, people are investing money, but they simply receive information - what you still need to be able to apply correctly. In principle, according to some clients, paying such money solely for information is at least illogical. On the other hand, listeners immediately receive an incentive to return the money they spent - this is already a great impetus to action and change their destiny.
Communication with customers
But it has one fundamental difference from other similar organizations "Club of Millionaires". Negative reviews about the training are either removed by the project administration, for which they have a separate kind of plus: working so closely with clients to detect any manifestation of dissatisfaction is also worth a lot. Or those who were completely dissatisfied with the training simply do not exist. If most of these "courses" collect numerous accusations that this is pumping out money and so on, then the reputation of the "Millionaires' Club" does not allow doubting their honesty.
It is worth noting that Temchenko has been working since 2009, and he bases his methodology on training games of another, much more famous business coach with a worldwide reputation, that is, there is no reason to doubt the effectiveness of the program either. The founder of the "Millionaires' Club" is also supported by a wide network of franchises - representatives who are authorized to work on his behalf: scammers will not bother with such a complex organization, which may not bring them as fast income as they would like.
Different feedback format
It is also noteworthy that Maksim Temchenko and the Millionaires' Club have reviews only on specialized sites that are in some way connected with the project. They cannot be found in the open Internet space. In addition, the "Club" uses an interesting format of video reviews, that is, a conversation is held with a former student of the course, in which he talks about exactly what he has learned, how his life has changed, what plans he sets for himself further, and the like. Live speech sounds much more inspiring than any, even the most beautifully written text: people perfectly understand that anyone can write the text, even just a paid person, while the video already has more confidence. In addition, it also demonstrates that even after the three months that the program takes, the "Millionaires Club" continues to be interested in its listeners and take part in their lives, and does not disappear, as it should be of various kinds to scammers.
Young Millionaire Club
Actively collects reviews "Millionaire Club" for children - an offshoot of the main course, which can be considered the most best investment for many adult participants in trainings: the best investment is children, who in their future can become much more successful than their parents. The cost of education for a child is the same as for an adult, although those who sign up before a certain date are given a huge discount (almost two hundred dollars is a significant difference). The authors of the project note that if you form financial thinking in children from a very early age, then in their adult life they will never face the fact that they do not have enough money, that they do not know how to control their expenses, or that they are too zealous about this. control.
In the "Club of Young Millionaires", it is often the absence of which that does not allow a person to take his fate into his own hands and stop depending on anyone. Naturally, it will not do without financial literacy, and the material will be presented in such a form that even the smallest participant can understand. Another interesting task of trainings is to instill which will significantly simplify the relationship with money: the younger the person, the easier it is to learn something new, isn't it?
Moreover, the sooner it will be able to bring some success - after all, usually for children who can take a course, either ahead, or already in full swing, adolescence is the most expensive period for parents. With the right financial education, it will be much easier to control spending during this time.
They also promise to teach children to invest, and from a very early age, so that by the end of school, university or another important event in their seemingly adult life, they have a certain capital and do not depend on their parents. Yes, the idea of business schools for children is not new - many realized that they should focus on because it is often more promising than adults, who still have to break their own foundations and abandon their usual thoughts in order to fully realize everything they have learned. Another advantage of targeting a young audience is that parents are much more willing to invest even in such a peculiar form of education than to spend the same money on themselves. That is why the "Club of Young Millionaires" deserves special attention and, therefore, separate reviews.
Summary
Yes, one of the brightest organizations aimed at developing financial thinking and increasing prosperity through proper education is the "Millionaire Club". This project collects negative reviews only because of its cost, but on the other hand, we can say that it is precisely such financial costs that can be an excellent incentive to start acting - at least in order to return the funds spent. Another category of people who were unhappy with their participation in the trainings are those who, for some reason, could not reach the end or did not begin to apply the knowledge gained in real life, and leaving them in the category of simply listened to information. In general, clients are not just satisfied, they are happy because at one time they invested money in their own education or the education of their children, which helped them discover new qualities, new opportunities and completely and completely change their lives. It is also noteworthy that Temchenko's Millionaires' Club is not the only project - he conducts a number of courses, at each of which anyone can turn their lives upside down, thus receiving not only profit, but also moral satisfaction.
International business coach, superpowers trainer, business coach, coach, entrepreneur, psychologist.
Conducts trainings in Russia and abroad.
Professional experience
- 2000-2002 - a free entrepreneur.
- 2002-2008 - founder, managing director of a branding agency.
- Since 2007 - founder of the Resource training center.
- Since 2008 - freelance program trainer personal growth, author and trainer of unique programs for the development of personal effectiveness.
- Training of fearlessness "Superpowers". For 6 years he has spent more than 1000 people aged 7 to 70 "on glass, knives and nails" in Russia and the CIS.
- Training "Superpowers-2: Shaman". Author and trainer of the "next level of" Superpowers "- with walking on coals, with swords and boiling lead. A unique program that has no analogues!
- Training course "Millionaires Club". Author's 3-month program M. Temchenko - training in achieving goals and financial well-being. For 3 years more than 200 participants in different cities improved their finances!
- Training "Super Result". Extreme corporate training of personal effectiveness based on Super Abilities.
- Personal growth training, joint training with the author - Elena Shugaley (St. Petersburg). It has been held for 3 years in Thailand and the Philippines!
Titles and awards:
- 2006 - certified NLP practitioner (Vladivostok).
- 2008 - full member of the federal program " Personnel reserve Russia - Professional team of the country ".
- 2010 - Student of Robert and Kim Kiyosaki (Annual Forum, Las Vegas).
- 2010 - award "Top Philanthropist" of the Government of the Khabarovsk Territory for charitable trainings for disabled children.
- 2012 - Lecturer in the MBA program of the courses "Personal Efficiency", "Personal Finance", DVIMO.
- 2012 - a leading expert and teacher of the topics "Personal Efficiency", "Personal Finance" in the framework of the program for the implementation of an innovative interdisciplinary elective course for educational institutions and organizations "Self-employment" under the Ministry of Education of the Khabarovsk Territory.
- Participant of numerous television programs about Superpowers on the central TV of Russia and the CIS.
Education
- 1997-2002 - Engineer of fiber-optic communications, FVGUPS.
- 2010-2013 - Master's program at the Far Eastern State University for the Humanities, Consultant Psychologist.
- In 2008 he lived with Indian tribes in the Amazon jungle.
- In 2010, he passed practice with the Amur Shamans in the Far Eastern taiga.
Copied from the site "Samopoznanie.ru"
Rule # 1. Count your money.
You can control what you measure. Get in the habit of keeping track of all your income and expenses. Once you know the structure and sources of all your spending and income, you can manage them. Consider not only actual costs and revenues, but also plan future budgets. Make up personal financial plan- calculate your financial life for several years ahead.
Rule # 2. Know why you need big money.
Your brain needs to understand the end goal. If your subconscious mind does not see the need for wealth, then it will see it as a danger. Money is a tool for achieving other, more important and significant goals. You must know exactly what you need to be rich for. What will you buy with this money, how will you dispose of it in a year, five, ten, fifty? Bring your goals to the level of necessity. Does this inspire you to take new action?
Rule # 3. Manage your money according to the Wealth Formula.
There are two main formulas for handling money. The formula for poverty is to earn and spend everything (Income minus expenses is equal to zero). According to this formula, it is impossible to become rich, because no matter how much money you receive, if you spend it, then your bottom line is zero. The Wealth Formula is to earn, accumulate (not spend everything), and multiply the accumulated (Income minus expenses is equal to delta, then we invest the delta and get capital). Capital is your key to wealth.
Rule # 4. Avoid debt.
Don't waste money that you don't have. Give up mortgages, loans and simple debts. Also, give up the habit of lending, even small amounts. Learn to live within your means first and spend less than you earn. The next step is to create more and more difference between income and expenses. This difference will form the basis of your capital. Debt, on the other hand, will eat it up.
Rule # 5. Create new sources of income.
If your income does not grow, then you are not using your brain and will to the maximum. If you do not grow, then you are degrading. Get in the habit of constantly increasing your income by any means. Whatever you are doing now, you know, it is always possible to double your income in a year. This approach will force you to look for new resources, approaches, strategies. And of course, it will lead to an increase in cash flows going to you.
Rule # 6. Focus on retention, not profitability.
The main mistake of novice investors is focusing on the percentage of return on investment. Remember the main rule - risks always correspond to profits, and if you do not see risks, this does not mean that there are none. When making investments, give top priority to their reliability and capital return guarantees. Further, as you become an increasingly experienced investor, gradually reorient yourself to increasing profitability.
Rule # 7. Be patient.
The fastest proven way to become rich is to “pound” capital for a long time. Any methods of searching for “fast” money end just as quickly and, in most cases, with zero total. The vast majority of people are afraid of long and long terms, and their fear of loss ends up in quick spending. They simply lack the persistence, discipline, patience and willpower to systematically build their capital. Remember that capital grows exponentially - at first very slowly, then - faster, and after a few years - very, very quickly.
Maxim Temchenko is a leading personal finance expert, personal finance consultant at the Ministry of Education and in MBA programs. Knows about money not by hearsay, but from personal experience... He got out of the debt hole of 2.5 million rubles on his own and became a dollar millionaire in 6 years. Author of 4 books, including the bestseller "Financial Opportunities". Founder of the Millionaires Club personal finance training system. More than 1,000 of his students have become millionaires.
On this page of the site, we introduce you to teaching investment and financial literacy according to the methods of a popular business coach, successful entrepreneur and investor Maxim Temchenko. Also Maxim Temchenko is known as the founder of the "Millionaires Club", the popularity of which is growing from year to year. The Millionaires Club network is constantly expanding, covering more and more cities in Russia and other countries.
The Millionaires Club of Maxim Temchenko conducts such effective training that until now not a single justified negative response has come across from his numerous students, which is very rare given the existing pluralism of opinions! A, positive feedback there is more than enough about the Millionaires' Club. These reviews of real students of Maxim Temchenko can be easily found on the Internet.
March 20 and 21 2020 year. Location: Moscow(Beta hotel, Izmailovo) plus online broadcast ... ... A unique event for business growth and NetWorking. The conference is held within consulting company.
Teaching Maxim Temchenko to achieve financial independence for his student is aimed, first of all, at personal improvement. For this purpose, personal author's techniques are used, the effectiveness of which has been tested in practice. These techniques are based on well-known concepts and practices of human civilization, For example, the philosophy and practice of yoga is often used.
Particular attention in training is paid in overcoming personal fears based on internal blocks and barriers that greatly hinder the path to achieving financial independence and freedom. Also, great attention in training Maxim Temchenko is paid in the selection and achievement of the set goals. All this together leads to excellent financial results, as evidenced by the numerous reviews of Maxim Temchenko's students who were trained in the Millionaires' Club.
In short, Maxim Temchenko and the Millionaires Club help people solve certain financial problems. In particular, it helps to make capital from the money earned, which will bring constant passive income, which gives true financial freedom and independence.
Free book by Maxim Temchenko "Cure for financial stress"
Read this book and stop worrying about your finances!
Free book and free "live" seminar by Maxim Temchenko "6 secrets of personal finance"
Maxim Temchenko: free book "5 steps to financial freedom"
Find out how 97% of wealthy people got rich
Periodically held live free seminar "6 Secrets of Personal Finance"
At the seminar "6 Secrets of Personal Finance" you will learn how to properly manage money and, using effective investment techniques, start earning much more than an investor who does not know such techniques.
The main topics of the Six Secrets Workshop:
- how to quickly learn to manage finances;
- how to create equity capital at the fastest possible rate;
- how to remove restrictions on your income, as well as the obstacles that arise on the way to them;
- how to make your money work effectively for you;
- what is financial independence and security and how to achieve them;
- about the results, which lead to the correct financial decisions.
Recordings of free webinars and trainings by Maxim Temchenko as part of the Millionaires Club
Free video course. Techniques from Maxim Temchenko for obtaining financial well-being. The course consists of five hands-on video lessons.
Webinar recording. Learn how to make fear your ally and get the technology to overcome any internal barriers.
Webinar recording. Find out how to become a millionaire in 6 years and faster even with a small salary.
Webinar recording. Unleash your potential, gain financial freedom and create a Dream Life by shedding the subconscious programs of poverty.
Live training bestseller Maxim Temchenko "Millionaires Club"
Offline courses of personal financial literacy called "The Millionaires Club" are periodically held in various cities of Russia and other countries (Moscow, St. Petersburg, Krasnoyarsk, Vladivostok, Khabarovsk, Odessa, Minsk, Rostov-on-Don and many other cities). By the end of 2017, the Millionaires Club network was functioning on a permanent basis in 25 cities.
The Millionaires Club is a closed meeting of entrepreneurs, top managers and everyone who wants to start making good money from investing.
The training itself lasts three months. Read about the tariffs for participation in the Millionaires' Club by Maxim Temchenko.
The courses on investment and personal financial literacy of the Millionaires' Club of Maxim Temchenko have been held for almost 10 years and have tremendous success and many grateful reviews from people who have completed this training and earned decent money thanks to it.
Millionaires Club motto: "From questions to goals, from goals to victories!"
Some statistics based on the results of training for only two years:
- 97% of the students paid for this not cheap course with interest;
- 25% of students have doubled their income by the end of their Millionaire Club training;
- 13% have started their own profitable business;
- 86% chose to earn money through investing;
- absence from students negative reviews(only positive reviews!).
Attention! If in your city (region) in the near future there are no Millionaires Club personal effectiveness courses, then subscribe to Maxim Temchenko's mailing list, from which you will learn about online trainings of the Millionaires Club or how to get personal financial efficiency online. To subscribe to the newsletter, leave your email address when downloading the above book.
Paid courses and trainings of the Millionaire Club of Maxim Temchenko
Flagship online course "Financial Reset" by Maxim Temchenko
Learn to think like a millionaire, create capital from scratch and generate passive income
The course consists of four steps:
1st level. Financial security.
2nd level. Financial stability.
Level 3. Financial independence.
4th level. Financial freedom.
Video course by Maxim Temchenko "Gold reserve"
The course is currently on sale with a 75% discount !!!
How to stop wasting all your money and build your Gold stock?
Greetings to all readers Fan Club of Robert Kiyosaki.
Maxim Temchenko- a millionaire, investor, entrepreneur, philanthropist, founder of the "Millionaire Club" and a student of Robert Kiyosaki.
We would like to thank Maxim for taking the time and answering all the questions.
So the first question is:
Question: Maxim would like to ask you this question, now you have achieved good financial success, achieved financial independence, became a millionaire ... But there was probably a time when it was not so simple with earnings. What prompted you to start your own path to financial well-being?
Maxim Temchenko: My history in finance goes back to the post-college years. I am a communications engineer by training. And when I was studying at the institute for 3,4,5 years, I still worked in parallel to make money.
I worked three jobs at the same time. By communications, electrician, antenna installer and so on. Actually, I'm tired of living like that. The work was dirty and dusty, but I wanted some cleaner job, and therefore, after graduation, I got a job in an advertising agency.
Actually, I'm from an ordinary family. My dad is an electric locksmith, my mom is a storekeeper. I have never seen big or huge money, and I did not know what entrepreneurship is.
As I said above, after graduation I got a job in an advertising agency and I liked it there. I worked hard as I was trained. And over time, he grew from an ordinary manager to an executive director. And a year later, I was offered the position of director. And a year later - a co-founder. And so, in just 3 years, I grew to be a co-founder. With a good salary. WITH high salary.
Interesting clients, apartment, car, and so on ...
All attributes of a top manager, including the fact that I had VIP client statuses. I was easily given loans, I easily took and easily extinguished them. No problem. And at that moment I came across a book by Robert Kiyosaki. After reading it, I realized that a lot of everything from the book, I can easily implement by means of a lever. With my income, with my capabilities, with my connections I can do a lot. 
I got an interesting opportunity to invest in Building bussiness, and I took out a bank loan, as I was a VIP client. I took out a large loan, and invested, in this connection, I received serious passive income from this construction company. Very serious, it exceeded the amount of the loan payments. And that's exactly what is called the technology of Robert Kiyosaki, worked at that moment. I decided to invest there some more. He quit his job at an advertising agency and started living on passive income.
This income exceeded my general expenses and paid off the loan payments. This did not last long. Then it was 2008. And when 2009 came, the crisis broke out and it banged me on all fronts, in connection with which, the construction company went bankrupt, in which I invested the borrowed money.
I stopped receiving passive income and lost all the money I had invested in this construction company. And literally within a month, this whole scheme for Kiyosaki was covered.
I hit it really hard.
I got very cool for a lot of money. I had to sell everything that could be sold. I sold my apartment, car, home theater. In general, I sold everything, nevertheless, I have more debts in the bank than 2,500,000 million rubles.
This led to huge problems with bailiffs, collectors and so on ... I no longer worked in an advertising agency, in general I fell into a huge "hole" - one might say.
Into a huge hole, then I lost my business and money and my family ...
Everything, everything, everything. I almost lost myself. In fact, even suicidal thoughts were attended. But, I managed to keep myself in hand.
I cursed the day when I came across the book by Robert Kiyosaki, and thought that if it were not for this book, if not for Kiyosaki, many things would have happened differently.
But the situation had to be resolved somehow.
And although I was angry with Robert Kiyosaki, I re-read his books over and over again, and tried to figure out what I had done wrong.
What I didn't keep track of, what I missed, why are the millions of copies of Kiyosaki's books sold out, people use them, and why did I get so cool?
Subsequently, through my observations and experience, I managed to create an author's test for the level of financial intelligence, you can pass it on the website www.finiqtest.ru and measure your financial IQ. 
At that time, I had a negative financial IQ.
Yes, yes - financial IQ can be negative!
Actually, what I started to do was to get out of this state by behaving differently with money. At this point, I developed what is called the "wealth formula."
There are only 4 of these formulas:
1. Formula of bankruptcy.
2. Poverty formula number 1
3. Poverty formula number 2
4. Formula of wealth
What I started to do was climb out of the wealth formula. I began to apply this formula in my life.
Wealth formula- this is income minus expenses, equal to delta, that is, accumulations, these accumulations are speculated and multiplied and capital is obtained. A bit not according to the technology of Robert Kiyosaki, but in the direction of increasing capital. Robert Kiyosaki inspired me to build my capital.
Question: In order to change their lives and change their thinking, people, as a rule, at the very beginning of their journey read financial literature, for example, books by Robert Kiyosaki. Tell me at the very beginning of your journey, have you read the books of this author? And if so, what kind of books did Kiyosaki read? What do you remember the most? What lessons or tips from the books amazed you?
Maxim Temchenko: Well, of course, the book that really turned my thinking upside down
about the attitude to money, liabilities and assets, passive income - this book is called "Kiyosaki in 60 minutes." Because I don't like thick books. And somehow I met this thin book on the bookshelf, which I really read in an hour.
I liked her very much and inspired me. Then I bought all of Kiyosaki's books that were in the store. The first thick book was not Rich Dad Poor Dad, but How To Get Away Young and Rich. It was this book that I read the first of the Kiyosaki series, because I was young and I wanted to retire young and rich. So I started with her.
It was with this book that serious reading of Kiyosaki's books began. Then I read "Rich Dad Poor Dad", "Cash Flow Square", and so on ...
The most memorable part of the book was when Kiyosaki poured coins as a child, and I remembered that I also poured coins as a child. I bought plaster, made molds out of plaster, and poured lead coins. It struck me very much too. I thought: wow, it turns out that we have something in common ...
Question: Do you apply any advice from Robert Kiyosaki in your life? And if so, which ones?
Maxim Temchenko: What I like about Kiyosaki's approach directly is the attitude towards assets and liabilities. This is cash flow thinking. Very strongly, this is the thinking of balances, that is, the balance of assets and liabilities, and, accordingly, finding the general balance. This is the formation of assets for the formation of income, this is, in principle, the calculation of cash flows, which, for example, I am actively using now, financial model in terms of cash flows, in fact, any monetary problem can be solved by a breakdown into cash flows.
And I was inspired by Robert Kiyosaki. He doesn't talk about it in such detail, but my thoughts in that direction have earned a lot.
Question: Robert Kiyosaki's ideas have inspired you to create your own passive income streams? And if so, which ones did you manage to create?
Maxim Temchenko: Well, after the leverage story ... The fact is that I was blacklisted as borrowers at that time, and is still blacklisted. Because not much time has passed since that crisis, and I had to look for ways to generate passive income through capital and without using credit leverage. That is, not completely Kiyosakov's scheme, but such, about Kiyosakov's.
I use partnership schemes for creating passive income, that is, these are business schemes - partnership, agency, I build systems and passive income directly - capital, that is, capital investment. 
Now I am forming capital, strengthening it using speculative methods and methods aimed at creating passive income, that is, the strategies of Robert Kiyosaki, as in the game cash flow, in fact, these are used only without leverage.
Question: Are you in investment? For example, in (real estate, silver, gold) And if so, what results have you been able to achieve?
Maxim Temchenko: At the moment now, I have a fairly wide investment portfolio.
I have 2 investment apartments in Thailand, 2 investment apartments in Turkey, I have investments in kilogram silver coins.
There are investments in land in Altai, land in Voronezh, cottage development.
Investments in the stock market in Russia are Russian securities, both preferred and not. These are investments in the foreign stock market, trust management in Forex, through a management company, there is direct speculation - buy and sell according to this scheme.
Insurance savings programs are in Europe, Austria, and in the near future I am considering investing in foreign hedge funds, including in the portfolio of hedge funds. Plus I also have investments in private loans.
My portfolio is very diversified, in contrast to the advice of Robert Kiyosaki - I still use a diversified portfolio, because at one time I got very badly burned on one instrument. Therefore, now I treat it a little differently.
Question: Also, Robert Kiyosaki has repeatedly said in his books that rich people are engaged in charity work and give at least 10 percent of their income to the church or to other good deeds. Through charity, the rich and successful people have success in business and earn even more money. I would like to know if you are involved in charity work? And if so, what projects do you support?
Maxim Temchenko: My attitude to charity is the following: I do not deduct a fixed percentage, I do not support the idea of a fixed percentage - tithes.
I have a different opinion, therefore, the occasion, as not related to charity. I believe in charity, I do good deeds, I have a top philanthropist award for charity. I am also a member of an organization that advocates for the protection of animals in the Far East - tigers, I am a member charitable organization, which monitors the state of the Amazonian forest, and so on ...
As for the temples, I gladly donate to Buddhist temples, and sometimes to Orthodox ones too, but I don't have a rule, for example, tithes or so on ... I give when I have an inner response, when I really want it do it from the heart, and not because it is necessary ...
This is my attitude to charity.
Question: Do you think there is a connection between charity and a person's success in life, business and money matters?
Maxim Temchenko: I look at charity more broadly - more than just money. Charity can be in my understanding, and not only in money, it can be in business, in supporting projects, information support as well. That is, charity for me means like a word - to give, that is, to share, and yes, I am absolutely sure that there is a connection between those people who share and the fact that they are accompanied by success in business.
When a person shares, it means that I have more than I need, and the Universe is abundant, there is enough money and resources, and, accordingly, the very fact of charity is a confirmation of this. If, on the contrary, that a person does not donate and closes his eyes, then this means that I have no money, and so on ... Accordingly, this blocks the channels.
So the answer to this question is yes!
The connection exists and charity helps the person.
Question: On one of your sites, I read that you were personally trained by Robert Kiyosaki. Please tell us how the training took place? How much did it cost? What have you been taught? And also, please tell me what kind of Robert Kiyosaki is in life? Did you have to communicate with him not only during training? What could you say about him as a person? 
Maxim Temchenko: I was trained by Robert Kiyosaki twice. In 2010 and 2012 in Las Vegas, at the business forum. This was an annual business forum at that time, of the team of Robert Kiyosaki. His entire team provided training on a variety of topics. There was also a performance by Robert Kiyosaki, and a separate performance by Kim Kiyosaki. We had a Russian delegation, I was then the organizer of the Russian delegation to Robert Kiyosaki in 2012. And I had the opportunity to talk to him personally. And with Robert and Kim Kiyosaki.
I have a video on the YouTube channel where I present to Robert a diploma of gratitude from the Ministry of Education of the Khabarovsk Territory for his contribution to the development of financial literacy of children.
The fact is that, together with the Ministry of Education, we have implemented a project to introduce cash flow to schools, colleges and technical schools in the city of Khabarovsk. When Robert Kiyosaki saw this letter, saw this gratitude - he was very glad, very happy, this fact. In terms of cost, each trip at the time was $ 10,000.
In 2012, he went with us to study with Kiyosaki in America, one of the participants who was at his performance also in 2012 in Moscow.
And he said the following that his performance in America and in Moscow is very different, if someone was at a performance in Moscow, it is not worth drawing conclusions from Kiyosaki's speech, the fact is that this is still a political issue and a speaker of such a scale as Kiyosaki , behaved very delicately in Russia. But in America he behaves the way he wants, he is very free, he burns on stage, he swears, he swears at the government, he makes jokes that the whole audience is just lying. He's very cool, especially when he tells his story of how he fought in Vietnam on a helicopter ...
Generally very interesting. However, in personal communication, he is very calm.
He reminded me of a teddy bear, maybe he was just tired after the seminar, but overall, he was very calm. But, for example, Kim Kiyosaki is just some kind of magical woman! 
She is so soulful, she has an aura, her biofield is probably several tens of meters, because when you approach her, you hug her, you can feel how energetically giving away she is ... She is a very cool and pleasant woman.
These are the impressions from meeting with Robert and Kim Kiyosaki. Live. They are very interesting people.
We managed to talk with them on various small topics, and they left very good impressions. Very pleasant experience.
Question: What are your plans for the new 2015-16 year? Perhaps you want to implement some new Internet projects, maybe release new courses, conduct trainings? Achieve some financial goals? Earn a few more million more?
Maxim Temchenko: Of course, there are plans, now in 2015 I made a franchise. Back in 2009, I created a training course called "The Millionaire Club"!
I conduct it live in Moscow, and under the franchise, my trainers and students conduct it in their cities, this is a 3-month training course. Building money habits, building financial intelligence. To strengthen financial literacy. As a rule, it is designed for managers, entrepreneurs, a fairly serious course. More than 800 students have already passed through it. Financial results students have already reached 170 million rubles. It takes just 3 months of training. 
And the course continues to develop. Now I am developing a franchise, I have 10 new cities starting in the near future, where my students will continue to broadcast technologies to improve financial literacy.
Also in 2015-16 I have plans to increase my Internet connection.
And the presence is online. I would like to implement Internet training, because now I only conduct live events in order to be able to teach from anywhere in the world.
In 2015, we already had our first exit abroad, that is, from Russia abroad, and we plan to develop this area and strengthen it.
As for my financial goals, yes they are, I have already reached millions, and now I am very inspired by the next goal - this is a billion!
In the near future, this is the level that I would like to realize.
I will do this through business development and through the development of an investment portfolio, that is, with investment levers.
Actually, these are the goals.
Millionaire's advice!
Maxim Temchenko: In conclusion, I would like to say that financial education is very much related to personal growth. 
This is a factor that I would like to supplement, because people very much rest on financial education only, they are looking for some formulas, some kind of monetary secrets, but this does not work or it works very slowly if it is done without personal growth.
Personal growth will always be a powerful incentive for financial growth. Therefore, if you want you to have financial growth, then devote more time to personal growth.
Since my first acquaintance with Kiyosaki back in 2006, and now in 10 years, I have undergone a very strong transformation, not just due to financial education, but due to personal growth.
In this regard, a couple of times a year we conduct training on personal growth, visiting Thailand. Just a colossal training and if you are interested, I recommend it - this is "The Matrix: Reload" here is the site www.vip-matrix.ru. During all this time, I have completed more than a hundred different trainings, including training abroad.
And what I noticed that in the first place is just "The Matrix: Restart"
Well, but in general, of course, constant growth, development of oneself, ensures, among other things, financial development.
That's all, thanks for the questions. Good luck and financial prosperity.
Financial IQ Test - www.finiqtest.ru
Personal site - www.temchenko.ru
Millionaires Club website -
Listen to the interview in audio format:
In a group in contact: or on youtube
