☕️ The woman sitting next to me at a coffee shop is breaking down her small business in great detail for a friend.

👂It’s fascinating so I’m eavesdropping & furiously taking notes.

Coming to you live... 👇
🐕At age 45 she got divorced, quit her corporate job, & moved to Vegas to pursue her passion of dog training.

📈Started at $50/hr but demand has been so high she has steadily increased price to $100/hr.

🗣️Leads initially came from Petco but now 100% word of mouth.
📆Booked out 2 weeks in advance.

🏠Customers started asking her to board dogs so she spun up that business. Started at $40/day, now at $60/day & turning away business.

🐕‍🦺Most customers who board also buy training (nice cross-sell!).

Here’s the best part:
💵Makes TWICE what she made in her corporate job (my quick math says $150-200k).

But working more than she wants, so…

It turns out she's recruiting her friend to be her first employee so that she can drop to 20 hours/week.

I love success stories like this.
👉There’s never been more opportunity for people who are willing to hustle.

🤙 Go get it!

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More from @Camp4

26 Oct
💰The Top 5 Money Moves of the Rich

Let’s face it: Our financial system is rigged in favor of the wealthy. Rich people make “money moves” that most Americans simply can’t—I’ll explain 5 of them in this 🧵.

The solution to this inequality isn’t to take from the wealthy... 👇
...it's to make those same money moves available to everyone.

Unfortunately banks have done almost nothing to help regular working Americans get ahead—in fact they’ve done the opposite, offering their best services exclusively to the rich while nickel-and-diming everyone else.
The good news is that help is on the way. A revolution has begun…

Let's dive in and take a closer look:

There are 2 reasons most people can’t make the best money moves...
Read 25 tweets
13 Oct
🎯Self-awareness: Your Secret Weapon

A young man once asked Mozart how to write a symphony.

Mozart told the man he was too young & should study more.

The man responded, "But you were writing symphonies at age 10."

Mozart: "Yes but I wasn't asking people how to do it."

🧵👇
Elon Musk said something similar of entrepreneurship:

"If you have to ask it's not for you."

Ouch.

We all have dreams & aspirations and there's nothing wrong with that.

Buuut...
👉If you haven't taken action you should ask yourself *why*.

As Mozart & Musk implied, those who *do* don't wait for approval or instructions. They bias toward action, jumping in without all the answers or expertise... because that's the best way to acquire those things.
Read 16 tweets
24 Sep
➕by ➖: 4 things to remove from your life

Hear me out & this 🧵 may improve your life by 10%…

I talk a lot about minimalism. My 🛗 pitch is that it’s not what most people think. Minimalism isn’t about denying yourself & leading a monk-like existence...

👇
...it’s exactly the opposite!

It’s about removing things from your life that don’t bring true joy to make room for *more* of what does. It’s actually hedonistic (in a healthy way).

Someone recently asked me a great follow-up question:

🤔What should I remove?
Before I attempt to answer, let’s channel Steve Jobs for a moment. Jobs said innovation isn’t about saying yes to a good idea, it’s about saying no to 1000 good ideas to focus on making one idea *great*.

The same applies to life...
Read 17 tweets
30 Aug
🧮 Renting vs. Owning: The Math

Home ownership continues to be the single most misunderstood topic in personal finance.

It’s the best investment available to regular Americans yet… 🧵
...there are still people out there advising against it under the misguided belief that renting plus investing the same money in the market is a smarter play.

It’s time to revisit the math…
The reason home ownership is such a great investment is *leverage*, which unfortunately is a concept most people don’t understand. I tried to explain leverage in a previous thread (below), but let’s face it—financial stuff is confusing for most people.

Read 19 tweets
30 Aug
This is wrong to the point of being irresponsible.

A 5% down home (US avg is 6%) is levered 20-to-1 so a 1% annual appreciation (far lower than historical average) is a 20% annual return.

Mortgage pmt is a wash bc you’d otherwise make a (higher) rent pmt.

👇🧵
There is simply no better risk-adjusted investment available to regular folks. The only exceptions are if you don’t plan to stay 5+ years or live in a dying city.

Here’s a more detailed thread:
(Also, a home is no different than any other RE investment except cheaper leverage is available. So in effect that tweet is saying RE is a bad investment 🤣. Again, your home is unique in that it’s a payment you’d have to make anyway. Why pay someone else’s mortgage + profit?)
Read 4 tweets
26 Jul
Lots of new followers! 👋 Hello.

Just so you know who you’re following…

📍 Boulder + Honolulu
👨‍👩‍👧‍👧 Married 24 yrs + 👧👧
🧗‍♀️ Kinda obsessed with rock climbing
🏦 Fintech when fintech wasn’t cool
📈Starting a newco (🤫)
💬 I answer all DMs

I’ve run hard & learned some things…👇
…mostly the hard way.

@evanmr recently asked me, ”What is the theme of your posts?”

My answer:

Using money to live a great life (plus climbing pics 😜).

👉My mission is to help others build true wealth (more than just 💵).

Here are the 5 tweets I’m most proud of:
1️⃣

My most popular thread, summing up what I’ve learned from 50 years on 🌎
Read 7 tweets

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