Use your 9-5 to:

• Pay the bills
• Invest in assets
• Build an emergency fund

Use 5-9 to:

• Create financial freedom
• Build a side business
• Invest in yourself

If you can work 40+ hours a week for someone else, you can use your evenings and weekends to work on

Never make fun of people who just started investing with $100.

We all have to start somewhere.

And most people never start at all.

Investment account limits for 2024:

$7,000 — Roth IRA
$23,000 — 401k, 403b, 457b
$4,150 — HSA
$3,200 — FSA
$69,000 — SEP IRA
$16,000 — Simple IRA
$68,000 — SOLO 401k

Retirement is a financial goal, not an age.

Median Income by Age:

16 to 19: $31,900

20 to 24 $38,200

25 to 34: $54,300

35 to 44: $65,200

45 to 54: $65,200

55 to 64: $63,300

65+: $56,200

Are you above or below?

Psychology shows procrastination is caused by:

• Anxiety
• Fear of failure
• Lack of structure
• Negative thoughts
• Lack of self-confidence

Here are 9 tactics to beat procrastination:

2024 Median Home — $532,000
2004 Median Home — $184,000

+190% increase

2024 Median Salary — $54,000
2004 Median Salary — $42,500

+27% increase

Affordability has never been worse, relative to incomes.

Mortgages are now 7.5%

People who locked in a 3% mortgage for 30 years:

Mortgages are now 7.5%

People who locked in a 3% mortgage for 30 years:

Never let a job steal your life.

If you can work 40+ hours a week for someone else, you can use your evenings or weekends to work on yourself.

Learn new skills to increase your pay, work on a side hustle, or build a side business.

Eventually, your job will become a choice and

Lionel Messi's Income Taxes for 2023:

+ $55 Million Salary

- $20.35 Million Federal Tax
- $1.64 Million Jock Tax
- $1.29 Million FICA/Medicare

= $31.7 Million Net Income

How Peter Lynch picks stocks:

• PEG ratio < 1.2 (good price for earnings growth)

• 5-year earnings growth between 15% and 30% (strong record of growing profits)

• EPS growth > 15% (generates strong profits per share)

• Trailing PE < 25 and Forward PE < 15 (reasonable

Shaq is an incredible investor.

In 1999 he invested in Google (pre-IPO) after overhearing two people talk about it in a hotel lobby.

Shaq invested in Google’s Series A at a $100 million valuation (now worth $1.9 Trillion)

Shaq still owns some of those shares (a 20,000%

Use your time to:

• Read books
• Learn new skills
• Prioritize self-care
• Build your network

Use your money to:

• Eat healthier
• Invest in assets
• Start that business
• Invest in your education

Use your time and money on things to improve your life.

Your health is an investment, not an expense.

A gym membership and a healthy diet are worth every penny.

It’s the best investment you can ever make.

By age 30, you should realize:

1. Investing in yourself is crucial — don’t be cheap.

2. Time is your most valuable asset — don’t waste it.

3. Focus on progress, not perfection — done is better than perfect.

4. Set goals and have a clear vision of your future — once you change