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There are tons of "net worth" millionaires roaming the streets. Don't be fooled by their bragging and showboating. Most of them bought the right property at the right time. Or they invested in Tesla and let Elon Musk do the heavy lifting. The question becomes if they sold their stocks or homes, how would they invest the money to achieve the same results? Building a high net worth doesn't always take much financial education. We need to buy a home,...
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It's time to step up our Passive Income game. We are progressing into deeper topics today as we jump into income investing, REITs, and royalties.
A misconception is that you need a lot of money to get started with real estate. Nope. Real estate is a mindset. Having a roommate paying you $500/month is the same as owning a home that nets $500/month.
Income investing can be risker than dividend growth investing because the high-yield securities are...
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Inflation is upon us, so how do we defeat it? I guess we could work more hours at our job. Or better yet, get a second job driving Uber or delivering pizzas. That sounds like a great idea.
I was just kidding. Don't solve your problems by exchanging your time for money. Every time we do this, we'll have to work more hours to earn more pay. It's a hamster wheel that we call the rat race.
Passive income is the answer. We need to build passive income...
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Building good "time and money" habits is difficult, especially if we are overcoming poor behaviors. One way to form good habits is to reward ourselves. Passive income is a mindset and a lifestyle. Every day we need to review our income sources and tweak them to get better results. If you invest in dividend-paying stocks and cryptocurrencies, then every day, you need to check the markets. If you invest in real estate, you should read a daily blog about...
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Are you entering the Christmas season in debt? Do you want to enjoy Christmas in a debt-free, cash-flow-heavy environment? You can have it all and then some, but it comes at the cost of financial discipline. First, you must determine your emotional connection to money and spending. Next, you must live on a budget and pay down all your debt. Saving and planning are the next steps. Finally, creating passive income from assets will give you a positive...
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What is more urgent, paying off debt or learning to invest? It can be a tricky question to answer. Obviously, debt is the power of compound interest working against you. We want to do everything we can to limit credit cards and loans from using our resources. However, learning to invest teaches how to use compounding in our favor. If we know to invest, we can destroy our debts much quicker. If we intend to progress towards our dream life, we will...
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Saving and investing are similar yet vastly different. They both require discipline with money and budgeting. However, saving is for protection, while investing is for generational wealth and retirement. Just because you are a saver doesn't mean you can't get a return on your money. Now, more than ever, there are safe places to store your money while obtaining yield. In this book, I compare Savings "I" Bonds, Treasuries, and USDC to see where you...
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Dividend Growth Investing is a beautiful way to spend your time and grow your net worth and income. However, many of us do not have the time to manage 15-25 dividend stocks in a DGI portfolio. Can we substitute Dividend ETFs instead of DGI stocks? Yes and no. I do more in-depth inside the book. However, there are pros and cons to letting an index manage your stocks via ETFs. I have Dividend ETFs in my portfolio, and they have performed well for me,...
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Pinching pennies and living life cheaply can do more damage than good. Protecting your money at all costs prevents you from learning how to create money. The true path to wealth is having your money make money. Trying to save a couple of pennies on each transaction only leads to hate and discontent. Even if a cheap person amasses a vast fortune, they will hesitate actually to spend the money. Remember that they have lived their entire lives cheaply....
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The deeper into Passive Income we dive, the richer we become. Knowledge is the ultimate form of currency, so we need to become innovative as hell.
Being able to create passive income from thin air is the ultimate goal. We can sell covered calls or buy tiny homes on a plot of land using leverage.
We can also farm coins on the decentralized crypto marketplace and sell NFTs that pay us royalties for their lifetime.
Whatever we decide to do for advanced...
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How has inflation been on your wallet this year? It doesn't feel good to fall behind financially, does it? It's incumbent on us to stay ahead of inflation. Owning a home is a significant resource to overcoming our battle with higher prices. When we lock in a 30-year mortgage, we prevent someone else from dictating our principal and interest payments. However, that is only the start of the battle. We still must create passive income by renting rooms,...
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The most significant risk in your 60s is overspending on your family. We worked so hard to grow our income and assist our children, but our top priority is to protect our wealth.
We cannot make emotion-based decisions. We would love to send our grandkids to private schools or buy massive houses, but it may not be in the cards.
We have to make decisions based on facts and logic. Our choices affect the long-term health of our family for generations.
We...
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In the olden days, allocating a portfolio between 60% stocks and 40% bonds and using the 4% withdrawal method would yield excellent results. You could outlive your investments. Today-not so much. Bonds yields are at all-time lows, and factoring in inflation puts you at a negative return. So what's an investor to do for fixed income? There are many ways to combat low bond yields, and I go more in-depth inside the book. However, it is essential to utilize...
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The world has undergone some changes. Long past is the days of working for the same company for 20+ years and receiving a nice pension. We have to survive on our own today.
The gig economy tells us that we can work how we like and grow if we want. However, it doesn't tell us how to build ourselves towards retirement. We have to create.
We need to create a business, a retirement, and a dream. It's all on us; nobody is going to save us.
The first...
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Do you want to work for 35 years to receive $3,000/month in social security benefits? That sounds like a bad deal to me. I would rather create a $3,000/month paycheck by age 45 and grow it into a $20,000/month paycheck by the time I turn 66. But where do you start? I choose income investing as my investing style of choice. It's not for everyone because it requires knowledge, research, and faith in the system. However, if you can understand the order...
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Investing doesn't mean you have to jump headfirst into the stock market. We can build an excellent portfolio using only interest from debt. Treasuries from the US Government are a great way to earn a return on your investment dollars safely. Remember, low risk equals low return. Since treasuries are low-risk, you won't get great returns. But sometimes, safety is its own form of return. Combing treasuries with a high yield savings account, "I" bonds,...
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I once believed you could survive in the workforce long enough to build a truly passive retirement. Let's say this takes 25 years. However, the workplace has degraded into a circus we must avoid. Using a combination of active and passive income, we should aim to be free in 15 years. Lowering our housing costs is the number one way to free ourselves. Once we determine our required household income (say $6,000/month), we can work on replacing it. By...
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Living overseas is the dream of many Americans. Imagine waking up to a brand new country every day. However, most of us won't work overseas after we retire. So how would we survive? Well, we can live off of passive income. This is part seven of my series, where I discuss living overseas on passive income. Today, I will talk specifically about residual income from an automated business. Business is the wealth generator for many entrepreneurs, but it...
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America is expensive. So what if we took our well-deserved passive income and moved overseas? Could we find happiness away from the glitz and glamor of the USA? I believe that we can lead extraordinary lives overseas and find interesting people and places. I know that my wife and I plan to spend significant time overseas in Turkey. Welcome to the Living Overseas Passively book series, where we will prepare ourselves to live overseas, entirely on passive...
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Who you choose to marry is the most important financial decision of your life-don't take it lightly.
The good news is that if you learn to control your finances, you'll find someone whose goals align with yours.
If you and your spouse can work together, love each other, and prepare for the future, these could be the best years of your life.
Finally, you'll have to pick a home you can afford while allowing you all to save and invest for your future....
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