Becoming a Millionaire & Wealth Creation

A “Millionaire Mindset”

I have always believed that you reap what you sow in life, but until I began to set up my own property business, I didn’t fully appreciate just how much success comes down to the way you think and your attitude to life. I used to have real issues about money and people who were wealthy. What I came to learn is that money can be a reward for the amount of service that you provide to other people. That is not to say that there are not people who help, support and give value to others who do not get paid well or at all. My visit to Liverpool and the work I am involved with through my church taught me that a long time ago. What I realised was that many of peoples problems can be assisted greatly with money and I wanted to create greater wealth for my family so that I could be in a stronger position to support my community and others in need.

I get some of my greatest satisfaction in life from inspiring other people to “BE More, DO More, HAVE More and GIVE More” in life. I believe every single person has untapped potential within them, and that, with the right support and people around them, and a willingness to better themselves and to learn and develop as a person, they can release this potential for greater happiness, health and wealth in their lives. If you are the kind of person who believes you have untapped potential then I would love to hear more from you, or meet you at one of the not-for-profit Wealth Workshops that I speak at every month – Click here to see when they are.

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‘Stand on the Shoulders of Giants’

“It’s what you don’t know that you don’t know

that will lose you the most time, money and happiness in your life”

– Caroline Marsh

Another way of expressing the above is “knowledge is power”, or more precisely “the application of knowledge is powerful”. The more I have learnt about life, happiness, wealth creation, giving back and other subjects I am passionate about, the more I realise that there is to learn. Learning does not and should not stop at school or university. There is an old saying that I like very much:

“The more you learn, the more you earn!”

This is definitely true in my own life and I have seen that other happy, successful and giving people are also life-long learners. Here are some of the things that you can do:

  • Read books about practical things that interest you
  • Read biographies and auto biographies of people that you admire and respect
  • Go to talks, exhibitions, shows and events that are about subjects that you want to learn more about
  • Find some personal mentors – these can be friends, family, work colleagues, your boss, your business partners or very successful people that you will probably have to pay for their time

The concept of Standing on the Shoulders of Giants is believed to date back to the 11th century, and certainly, in my experience, the most sensible way to minimise the risk in setting out to achieve any goal is to find someone who has achieved what you want to achieve and learn directly from them. In my field – the property investment industry – there are lots of different learning options – seminars, courses, one to one mentoring, etc. The catalyst for my financial success was the investment in myself by learning from a highly successful property investor who taught me everything he knew. I find that often too many people focus on the cost of something, instead of value and, as a result, end up falling way short of their goals AND NOT GETTING THE SUPPORT THAT THEY NEED.

My personal mentors have been:

  • Mike Marsh (my husband) and my children
  • Steve Bolton – Founding Partner of Platinum Partners Group
  • Pastor Mike and Lesley Everson
  • Brian Klemmer


  • Brian Tracy – Worldwide Best-selling personal development author
  • and my greatest mentor, God

My Top 10 Book Recommendations are:

  • Compassionate Samurai by Brian Klemmer
  • Rich Dad, Poor Dad by Robert Kiyosaki
  • The E-Myth Revisited by Michael Gerber
  • The Bible/A Christian book
  • One Minute Millionaire – Mark Victor Hansen and Robert G Allen
  • The Dip – Seth Godin
  • Think and Grow Rich- Napoleon Hill
  • The Richest Man in Babylon- George Clayson
  • The Seasons of Life – Jim Rohn
  • The Five Major pieces Jim Rohn

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Multiple Streams of Income

Highly successful businesspeople don’t rely on just one stream of income – they spread the risk and invest in things that will bring them rewards in different ways and at different times. Property is a superb wealth creation vehicle, but it’s sensible to work on building a varied portfolio. I started by focusing on an income-generating strategy, following Platinum Property Partner’s systems for buying highly cash-positive executive multi-let properties in my hometown that bring me well over £10,000 each, per annum. I then put some money into an overseas investment, through PPP’s sister company, Platinum Investment Partners, in order to benefit from a lump-sum capital injection in a couple of years. I will shortly be looking at acquiring some properties ‘below market value’ as a longer-term investment plan, and in the next couple of years will also look at some land and development projects, as well as continuing to both build my rental portfolio and invest overseas in emerging markets.

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Other People’s Money

This is where the positive attitude really comes in. Too many people let their own lack of funds limit their business plans, when the truth is that if you have the capability, a proven track record and the determination to succeed, you can usually find the funding. Traditionally people leverage banks’ money, but why not think creatively and work with passive investors – private individuals who will lend you their money – as I’m now doing? If you can offer a better rate of return than the investor is currently getting and take a professional approach, you’ll never run out of money and can generate profit without investing a single penny yourself.

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Keep Learning…

Early on I realised that if I was to be a successful business owner I would probably benefit greatly from paying some attention to my personal development, because the one thing every great entrepreneur I spoke to had in common was that they never stopped learning. I started to read and listen to motivational speakers – teachers such as Robert Kiyosaki, Brian Tracy, Tim Redmond, Brian Klemmer and Mike Murdock – just to help me think differently and get different results. Even over a short period of time, this has certainly helped me have higher expectations in running my business and reassured me that I can and will achieve my goals!

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Caroline MarshOld Becoming a Millionaire & Wealth Creation