You don't get what you deserve, you get what you negotiate.

And everything in life is negotiable.

If you want to get rich, here are 7 tips to master negotiation: 1. The power of silence and pauses:

Awkward silences create pressure.

After making an offer, stop talking and wait for the other side to respond.

Silence prompts the other side to fill the void, sometimes making concessions.

Roth IRAs can make you a tax-free millionaire.

It's the ultimate tax loophole but over 90% of Americans don't have one.

Here is everything you should know about Roth IRAs: Become a Roth IRA tax-free millionaire, the lazy way:

1. Invest $11 a day into an S&P 500 index fund
2. Wait & let compound interest do all the work
3. In 30 years you should have over $1,000,000

Historically, the S&P 500 returns ~11% per year on average (with dividends reinvested)

Taxes will be your biggest expense in life so only pay your legal share and not a dollar more.

Tax code is 75,000+ pages and the wealthy use every page to legally avoid taxation, and you should too.

Here are 7 tips that’ll save you thousands of dollars: 1. Hiring Your Children:

If you own a business and have kids under 18, you can pay them $13,850 tax-free, plus deduct it from your taxable income.

When you hire your child, this is a business expense that you can deduct from your taxable income, lowering your tax liability.

Children can perform administrative work, social media management, or other age-appropriate responsibilities.

Your child will owe $0 in taxes and you legally avoided tax on $13,850.

They can invest $6,500 of that in a tax-free ROTH IRA.

10 finance movies you should watch this weekend:

1. The Big Short 2. Boiler Room

YouTube is a free university.

But with over 38 million channels, 99% of people don't know the best ones.

Here are 8 channels to teach you new skills (and make you smarter): 1. CrashCourse:

You can learn almost anything.

The content is thoughtfully researched and presented simply.

They break down complex topics into easy-to-understand lessons, making learning enjoyable.

Every job interview ends with Q&A

But the truth is most people suck at asking questions

Here are 7 questions I used to get hired at JP Morgan, Goldman Sachs, and Citi: 1. Is there anything else I can elaborate on to ensure I’m the most suitable choice?

This open-ended question lets you seal the deal by addressing any lingering questions and double down on your strengths.

Use this last chance to highlight 1-2 essential skills they need that you can offer over the other candidates.

This final impression most directly impacts hiring choices.

Harvard University now offers FREE online courses.

Learn Negotiation, Entrepreneurship, AI, and much more for free.

10 FREE courses to accelerate your career: Negotiating Salary:

Learn how to get paid more by mastering negotiation.

https://pll․harvard․edu/course/negotiating-salary

Being good with money is one of the most important skills in life.

But the truth is most people suck at it.

Here are 13 pieces of advice, everyone should know: 1. You aren't paid according to how hard you work.

You’re paid according to:

• How hard you are to replace
• How much value you deliver
• How many problems you solve

Focus on being able to produce results, and money will follow.

10 finance movies that will make you smarter:

1. The Big Short 2. Margin Call

Every job interview ends with Q&A

But most people never ask good questions

Here are 8 questions I used to get hired at JP Morgan, Goldman Sachs and Citi: 1/ Is there anything else I can elaborate on to ensure I’m the top choice?

This open-ended question allows you to seal the deal by addressing any lingering questions and doubling down on your strengths.

Take this last chance to highlight 1-2 critical strengths they need that you offer over the other candidates.

The final impression most directly impacts hiring choices.

10 Visuals That Will Make You Think

If you're still in your 20s or 30s, read this:

1. 2.

Many people don't ask good questions at the end of job interviews.

But it’s a great opportunity to stand out.

And it's what separates average candidates from the must-hires.

Here are 10 questions that will help you land more job offers: 1. Is there anything else I can elaborate on to ensure I’m the best choice?

This open-ended question lets you seal the deal by addressing any lingering questions and double down on your strengths.

Use this last chance to highlight 1-2 essential skills they need that you can offer over the other candidates.

This final impression most directly impacts hiring choices.

7 book summaries you should memorize:

1. The Psychology of Money by Morgan Housel 2. The Essays of Warren Buffett by Lawrence Cunningham

I've used Microsoft Excel for 20 years working in finance.

These 10 tips will make you feel like an expert and increase your productivity 100X: 1. Using keyboard shortcuts:

These can save you a lot of time.

For example, you can press "Ctrl+C" to copy, "Ctrl+V" to paste, and "Ctrl+Z" to undo.

There are many more, so check out the Excel help menu for a full list.

YouTube is a free education but 99% don't know the best channels.

There are over 100 million channels so here are the top 10 that will make you smarter: 1. CrashCourse

CrashCourse breaks down complex topics into simple and easy-to-understand formats.

Their videos are for anyone looking to get a solid overview of almost any academic subject.

Youtube․com/c/CrashCourse

10 books you need to read each year:

1. The 7 Habits of Highly Effective People by Steven R. Covey 2. The Psychology of Money by Morgan Housel

Age at first $1 Billion:

23, Mark Zuckerberg
31, Bill Gates
32, Taylor Swift
33, Rihanna
35, Jeff Bezos
36, Kim Kardashian
37, Lebron James
38, Beyonce
39, Jay-Z
40, Kanye West
41, Elon Musk
42, Steve Jobs
42, Michael Jordan
52, Warren Buffett

1 important lesson from each: If you don't find a way to make money while you sleep, you will work until you die.

— Warren Buffett

The cost of procrastination is the life you could’ve lived.

If you struggle with procrastination, read this: 1. Use the Pomodoro Technique:

This will help you stay focused and avoid burnout.

It's a time management technique that involves working in focused 25-minute increments, followed by a 5-minute break.

After four cycles, take a longer break of 15-30 minutes.

If you invest, you must understand accounting.

Accounting is the language of business.

Here is everything you need to know: Accounting is how a company keeps track of its money.

It records where money comes from and where it goes.

Accounting also shows if a company is making a profit or losing money.

YouTube is a free University.

But with over 50 million channels it's hard to find the best ones.

Here are 10 channels that will make you smarter: 1. CrashCourse:

This is a YouTube channel where you can learn almost anything.

They break down complex topics into easy-to-understand lessons, making learning enjoyable.

Their content is thoughtfully researched and presented simply.

Roth IRAs are the most powerful investing account.

It can make you a tax-free millionaire in retirement.

Here is everything you need to know about Roth IRAs: The Roth IRA limit is $7,000 for 2024.

That's only $135 a week.

If you invest $135 a week into S&P 500 an index fund for 30 years, you'll only spend $210,000 of your own money.

But at retirement, you should have $1,300,000.

This is the power of time and compound interest.