The math behind becoming a millionaire:
Investments growing at 10% while:
- Investing $125 a week for 30 years.
- Investing $350 a week for 20 years.
- Investing $630 a week for 15 years.
It sure isn't easy.
But it's easier than winning the lottery.
Today, 5,000 subscribers learned:
Invest Now vs. Invest Later?
(4 things to know):
1. Starting at age 20.
2. Starting at age 30.
3. Starting at age 40.
4. Starting at age 50.
Read it:
millennialwealth.link/0qp
The math of investing just 5%
of a $70,000 salary:
If job benefits match the 5%.
Here's how it's looked the last
30 years in the stock market:
- $234k in 15 years
- $422k in 20 years
- $1.2M in 30 years
Compound interest is a
beautiful thing.
How to grow your finances fast:
1. Track your money.
2. Get rid of the extras.
3. Job hop or get promoted.
4. Pay off debt with your raise.
5. Start investing the extra cash.
6. Keep at it every month for a year.
Focus changes everything.
Things society normalizes:
- $700 car payments.
- $400 credit card payments.
- Having to work in your 60s.
What should be normal:
- No credit card debt.
- Investing every month.
- Leaving the 9-5 life early.
2026 investing limits:
By account type:
- IRA: $7,500
- HSA: $4,400
- 401k: $24,500
- SEP IRA: $72,000
- Simple IRA: $17,000
- Brokerage Account: No Limit
Almost to the half way point.
You getting after it in 2026?
6 years ago I escaped 9-5 life.
Using this boring playbook:
1. Live on 70%-80% of pay.
2. Invest the saved money.
3. Keep doing it each year.
4. Leave the 9-5 life early.
5. Create your ideal life.
It's not easy. But worth it.
Today, 5,000 subscribers learned:
5 Steps to a Lower House Payment
(when buying a home):
1. The location.
2. The insurance.
3. The assumption.
4. The down payment.
5. The interest rate hack.
Read it:
millennialwealth.link/7w2
7 boring wealth building habits
that actually work..
1. Saving 15% of pay.
2. Investing the savings.
3. Using a money tracker.
4. Owning a car long term.
5. Avoiding credit card debts.
6. Growing your pay every year.
7. Not caring what other people think.
It's interesting.
People will spend 4 years getting
a degree to do something
they don't enjoy.
But won't spend 1 week learning
about money and investing
to escape 9-5 life early.
7 reasons to start investing:
1. To travel more.
2. To sleep in more.
3. To see family more.
4. To see the spouse more.
5. To leave the 9-5 life early.
6. To do more of what you want.
7. To do less of what you don't want.
5 things worth doing:
1. Saving money.
2. Investing it each month.
3. Sticking to it long term.
4. Quitting 9-5 life early.
5. Creating your ideal life.
It's not easy. But worth it.
In your 20s no one tells you:
- 40 years of 9-5 life is optional.
- Seeing family more is possible.
- More freedom can be a reality.
Learning to invest changes everything.
Today, 5,000 subscribers learned:
The 9-5 Millionaire
(5 things they do):
1. The plan.
2. The debts.
3. The lifestyle.
4. The investments.
5. The total freedom.
Read it:
millennialwealth.link/5p9
Tiny habits actually work.
Saving $10 a day.
= $300 per month
Investing $300 per month.
Averaging 10% per year.
= $217,196 in 20 years
= $623,787 in 30 years
= $1,678,382 in 40 years
Tiny habits change everything.