Money is hard to come by. Even rich people find it hard to lay their hands on it. Multi-millionaires have buckled under the weight of debt and been buried by the avalanche of pressure and embarrassment that comes with bankruptcy.

Some have chosen to take their own lives rather than face the disappointment in the faces of their employees, customers, their families and the thousands of little people whose lives are ruined forever, all because of money.

Money solves problems, but it can cause even bigger problems if not managed well. Now we all want financial freedom. we all want to change our destinies, we all want to Do It Ourselves in 2015, and the truth is that the path to financial freedom cannot be travelled without making some important decisions about money.

This week, we are striving in pursuit of financial freedom, and yesterday, we discovered the traits of an entrepreneur. A risk taker. A decision maker. A person who sees opportunities. A person who takes resources from a place of low productivity and moves them to an area of higher productivity. The fact of the matter is that you can't be an entrepreneur if you're not smart with money. Like all profitable behaviour, financial wisdom is not a genetic endowment. It is learnt. That is why it is a behaviour.

I know how you felt yesterday, listening to my guests. I know you felt motivated. Inspired. Hyped up. Ready to take over the world. That's good. And throughout the rest of the week, we're going to show you how. But we have to be honest with ourselves here. There is a reason why you are not a millionaire today. There are behaviours and habits formed over a lifetime which we have to unlearn in order to succeed and run a profitable business. How we perceive and handle money is one of them.

To start a business, you need capital. Either your own money, or other people's money. What's it going to be in your case? Your own money? How much do you have saved up? I know., Saving is not easy, Every month, your salary comes in and the demands on it are so many! Rent. Bills. Fees. Debts. Fuel. Transport. Healthcare. These things don't take a month off. They are ever-present demands on your scarce resources. And when the pressure is on, savings is usually the first casualty. You struggle to put something aside for three months, and then in the fourth month, your mother falls sick. What do you do? I know. It's really tough. Well entrepreneurship is not for the weak-willed. It's for those willing to make tough decisions.

In order to obtain wealth, savings is not an optional activity. It is a necessity. That is your actual wealth. Every time you earn money and you don't save any, you have defeated the whole purpose of money making. All the hard work and toil you put in to make that profit becomes pointless if you don't gain any wealth from it. So from today, whatever you do to earn money, you'd better save, otherwise you're wasting your time.

 The second option for raising capital for your dream enterprise is other people's money. Most businesses get financed this way - either by direct investment or loans, or floating shares on the stock market. To attract other people's money into your business, you need to be creditable. Trustworthy. Let's combine the two: Credit-worthy. You need to be the person who does exactly what they say they will do. You need to under-promise and over-deliver. People need to feel that it is a smart decision to invest in you. And make no mistake: it's not your business they are investing in - it's you. You will then use your business to put their money to work and bring them a share of your profits.

Let me make it simple. Attracting investment is vital to almost every start-up, and the ability to do so is a function of trust. Trust is a product of track record. So the question is simple is your track record good enough to attractindividuals and organisations to invest in you? Or perhaps you don't even have a track record yet. Well either way, don't panic. Today, we're going to teach you how to fund your enterprise. Yesterday, we motivated you. Today, we put that motivation to work.

My name is Kojo Yankson, and I'm investing in your success. Wanna pay me back? Then never give up.

GOOD MORNING GHANAFO!