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Have you fumbled the bag in your life? Have you had an excellent opportunity to change the trajectory of your relationship or finances? Chances are, you didn't understand how powerful this opportunity was in your life. Society doesn't want you to actually change. You must read books and take massive action to exploit these wonderful opportunities. That is the formula for getting "lucky." Once an opportunity comes to the forefront, take an educated...
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What is true freedom? More specifically, what do you consider true freedom?
No matter your answer, it will involve some level of financial security or cash flow.
They told us that going to college, getting a job, getting married, and buying a house would lead to financial freedom. They lied.
To become financially independent, you will need to live below your means, reduce expenses, and invest in assets.
Doing these things will eventually allow...
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We used to believe in discipline, hard work, and consistency. Those words have turned into independence, freedom, and individualism. However, the only way to create an extraordinary life is to build it from the ground up. This requires you to stay on a routine. Yes, routines are boring, as they are the opposite of spontaneous. But, through a regimented lifestyle, you can make small daily wins. These wins can compound into a beautiful life you cannot...
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In December 2022, my wife and I received $565 in special dividends from three closed-end funds. This money is life-changing because it represents the path to true wealth. To become rich, you must utilize your brain as much as your body. Building passive income is the ultimate achievement outside of keeping your family together. Special dividends are another added benefit of earning money while you sleep. I prefer income investing because it puts money...
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Money grows on trees-dividend trees. Never has receiving money been as convenient as having your dividends deposited directly into your checking account. Welcome to the Cash App debit card, where your dividends fund your checking account. I love receiving my huge AT&T dividends right to my debit card. If my wife and I are out and about, I can use these dividends to purchase something nice for her, without guilt. The magic of dividends is that they...
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Income investing changed my life drastically. Now, I no longer worry about running out of money or what to do in case of emergencies. But, I wasn't always an income investor; I was a worker-bee. Growing up in the workforce didn't get me ahead financially. Once I started to understand income products such as closed-end funds, preferred shares, and mortgage REITs, my income started to multiply. Being an income investor requires discipline, vision, and...
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Being single and living in a small city puts you in the best position to buy a house. However, you'll have to fight hormones and materialism to do so. It will take a lot of work to save $30,000 to $50,000. Plus, you'll have to fight the urge to buy a massive house. Starter homes are still the best investment, and it will be much faster to save for a down payment on a tiny house. Don't expect to work a single job and magically arrive at $30,000 in...
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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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The greatest threat to our wealth in our 70s is long-term care or some other medical emergency.
We can prevent these scenarios from destroying our lives by preparing as early as possible.
We can use long-term care insurance to dampen the costs of being put in a home. However, we can also use passive income to pay these costs.
By planning to make tons of passive income, we ensure we get the care we need moving into our later years. This protects...
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Becoming wealthy isn't about accumulating enough money to secure our freedom. It's a journey we must travel through the three stages of wealth. Debt is the first stage where most of us start our journey. Our goal is to control our urge to spend by budgeting and finding happiness outside of money. Saving is the next stage. Here, we focus on protecting what we built through growing an emergency fund and a large savings account. Investing is the last...
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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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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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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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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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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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So you want to retire in California? You'll need to be richer than you can imagine. California is an expensive place to live, even when you are working full time. To retire there, you will need at least $200,000/year in passive income. Impossible, you say? No, it is more than possible if you are serious about retiring comfortably in California. The trick is buying real estate early, moving somewhere else, becoming a real estate mogul, and building...
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Most of us grew up in households where talking about money was forbidden. We may have heard that money is the root of all evil. These beliefs have a significant effect on our relationship with money. As we progress through life, we tend to keep our finances close to home. We don't want people in our business. However, opening up around the RIGHT PEOPLE can lead to further successes. It is the exchange of ideas and thoughts about money that can help...
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