Age 45: Suze Orman published her first book.
Age 48: Julia Child published her first book.
Age 65: Colonel Sanders franchised KFC.

No matter where you are today, it's not too late to start.

Below is your blueprint to get started: 1. Own up to where you are today

You may have made some bad choices in the past, but now you're aware they were bad choices.

By taking responsibility, you get to start making progress.

Just finished reading "The 5am Club" by Robin Sharma.

"Own your morning, elevate your life" is the message.

Below is the 20/20/20 formula to start owning your mornings and your life: Wake up at 5am everyday
You get the first hour of your day
No distractions
No one else

1. Move
2. Reflect
3. Grow

Why does the tortoise always beat the hare?

It's not:
- speed
- agility
- intelligence

It's focus

Below is Warren Buffet's strategy to improve your focus: 1. List out your top 25 goals

These goals should include:

- family
- finances
- health
- career
- spiritual
- etc

Any goals related to any aspect of your life

Multiple streams of income:

- grow your wealth faster
- reduce your dependency on one
- give you more freedom & flexibility

I currently have 7 income streams.

See below for more details: 1. Dividends

Dividends are by far my favorite income stream.

They are easy to set up:
1. Research stocks and funds
2. Open a discount brokerage account
3. Buy your favorite stocks and funds
4. DCA
5. Live your life and be patient

They are simple and completely passive.

The book "Think and Grow Rich" by Napoleon Hill changed my life.

I went from shy and quiet to presenting to hundreds and speaking in front of thousands.

Below are 5 life-altering lessons from the book: 1. Thoughts are things

Your thoughts, even though they are intangible, have tangible impacts.

Everything you accomplish starts as a thought.

Change your thoughts, and you'll change your results.

I've been investing in the stock market for two decades.

If I had my first $1,000 to invest, here's exactly what I would do: 1. Do it yourself

You have a choice to invest on your own or find a financial advisor.

Investing doesn't have to be complicated.

Find a large discount brokerage and open an account.
- Fidelity, Vanguard, Robinhood, Public, etc

13 years ago I was drowning in debt:

- $140,000 student loans
- $22,000 credit cards
- $98,000 real estate

This was all paid off in 5 years.
And 5 years later I was a millionaire.

Below are 6 debt hacks I used: 1. I listed my debts & tracked them

Tracking is the key to succeeding at any goal you want to achieve.

Write down every debt account you have, including:

- the minimum payment
- the interest rate
- the annual interest expense

The only monthly bills I receive are:

- utilities (electric, gas, water, trash)
- streaming service
- gym membership

That's it. No debt payments.

Discover below the one change that turned my $260,000 debt into a $1M+ net worth: Everything changed when I started TRACKING my money.

Fina is an AI-powered tool that automatically tracks and gives you the insights you need.

For the next 48 hours only, I'm giving my template away for free:
app.fina.money/signup?ref=f-f…

The book "Think and Grow Rich" by Napoleon Hill changed my life.

I went from shy and quiet to presenting to hundreds and speaking in front of thousands.

Below are 5 life-altering lessons from the book: 1. Thoughts are things

Your thoughts, even though they are intangible, have tangible impacts.

Everything you accomplish starts as a thought.

Change your thoughts, and you'll change your results.

My 401k is my biggest single asset:

2016 = $119.5k
2017 = $182.1k
2018 = $210.1k
2019 = $312.0k
2020 = $422.1k
2021 = $568.9k
2022 = $498.5k
2023 = $661.1k
2024 = $861.3k

Below are 5 keys to growing it to almost $1m: 1. Always get the full employer match

The S&P 500 has averaged 10-12% annually.

Your employer's match is a 100% return - instantly.

Nothing beats it.

$180k of my balance is from my employer's match.

I went from paying interest of $16,000 a year on my debt

$7,544 on student loans
$3,096 on credit cards
$5,136 on real estate

To earning compound interest of $75,000 a year on my investments.

Here's how: 1. I tracked my debt.

My wake-up call was realizing how much money I was wasting in interest every year.

It made me sick how much money was being thrown away.

Once I saw my list of debts, I had the power to tackle each one.

Success is more than money
Success is a never-ending journey
Success is in the trying, not the results

Below are 5 successful people and their 5 quotes: 1. Health

Steve Jobs said, "The six best doctors in the world:

1. sunlight
2. rest
3. exercise
4. diet
5. self-confidence
6. friends

Maintain them in all stages of Life and enjoy a healthy life."

I became a millionaire at age 41.

I could have become a millionaire in my 30's if I had accepted these 5 fundamentals sooner: 1. Stop trying to fit in

Our egos are strong forces.

We want to be liked.
We want to fit in.

Too many of us compensate for these emotions with unnecessary spending, even though spending more doesn't fix the real issue.

To become a millionaire,
you don't need to be popular
you don't need to be overly smart
you don't need to come from wealth.

You simply need these 4 traits: Consistency

Nothing happens over night.
Nothing happens with one intense burst of energy.

Big things happen over time when you work in the same direction.

The secret to becoming wealthy isn't a secret.

It's building passive income with appreciating assets.

Find out my favorite 5 appreciating assets below: 1. Index funds

The S&P 500 has averaged a 10% return over the last few decades.

Benefits:
- diversified
- inexpensive funds
- automated investing

Examples:
$VOO
$QQQ
$VTI

I've become a millionaire by investing.

If you're not using AI to invest, you're missing out.

Find out how below: 1. You don't need to be an expert

In the past, to be a great investor, you needed to have in-depth expertise in financial statements and technical analysis.

With AI and the Prospero app, you only need to understand the key metrics.

Tracking my debt helped me to become a millionaire.

Tracking my dividends is helping me get wealthy.

Here is how I'll get to $35,000 annual dividend income: 1. Pick the best dividend-paying stocks

- use a stock screener
- get better results
- save time

The book "Think and Grow Rich" by Napoleon Hill changed my life.

I went from shy and quiet to presenting to hundreds and speaking in front of thousands.

Below are 5 life-altering lessons from the book: 1. Thoughts are things

Your thoughts, even though they are intangible, have tangible impacts.

Everything you accomplish starts as a thought.

Change your thoughts, and you'll change your results.

We will have the first 1-person-run billion-dollar company in the next few years.

AI is making this possible.

Below is everything you need to know: Instead of hiring:

- an internal marketing team
- a separate PR firm
- a separate SEO agency
- a separate advertising agency

Averi AI is the all-in-one AI-powered marketing management platform, connecting founders and executives to AI for what it is great for, and to the experts they need for the rest.

Your full-time job is one of the best assets you can have.

Give me 60 seconds to explain below: 1. High returns

Your salary is a return. Sure, you are trading time for money, but the higher salary you have, the higher return you get.

For example, if you make $50,000 today and invest in a $1,000 certificate, which increases your income to $60,000, your return is 900%.

ETF's are the easiest way to invest.

1. open a brokerage account
2. contribute consistently
3. buy your favorite ETF's no matter what the market is doing

Here are my 5 favorite ETF's: $VOO