I’m a 43 yr old Mother of 3 boys, married and living pay check to pay check. I want to learn how to invest smart. I’ve been working since I was 16, I wish I was taught this in my 20s. I want to become a millionaire before I’m 60.
“Like most things in life, becoming good at attracting money is no different than becoming good at anything else, be it being a sub-par golfer, losing weight or mastering a second language,” he writes in “How Rich People Think.”
I would also add one more thing. Stay out of debt. Credit cards with high interest and buying cars that go down in value will keep you poor. If you have no debt, the money going to loans can be saved and invested.
Look at what people need, not necessarily at what you want when deciding on a business. There will always be things people need and they need them to be done well. Things like garbage disposal, energy creation, providing products to the health and dying industries, etc. In addition, the certainty of customers should not be overlooked lightly. Choose a business that provides what people really need and be prepared to put in the effort to make your products and services either the best, the most price efficient or unique.
Buy a few tickets, and flip them once the box office is out. On sites like StubHub, you’re not a scalper — you’re a reseller! StubHub guarantees ticket authenticity for the buyer, which weeds out a lot of the seedy guys selling fakes.
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You’d think that they must have hit the lottery or made six-figure incomes. Nope. They earned “abnormally normal salaries… that generally (but not consistently) increased” year after year. Justin writes, “We never received stock options or worked for a company that went public. No winning lottery tickets or inheritances, either. Just steady saving and investing in our low cost index fund portfolio year after year.”
For the beginners, I recommend setting up a PayPal account first before you do anything. It is the most reputable and safest way to transfer money over the web. (without giving out your bank account number to someone.) It is so easy to set up and totally worth it. Hope this is useful for someone here.
Make money on YouTube. People who love the spotlight and have other online hustles should consider creating their own YouTube channel. If you’re interested — and interesting — you can use the platform to market affiliate products, sell products you create yourself, or receive ad revenue for your informal tutorials or entertaining videos. Once you get the ball rolling, YouTube offers a partner program that can help you monetize your business further.
Change jobs and employer. Once you’ve gotten some experience under your belt, consider finding a new job. By changing your environment, you can how to become a millionaire in your 30s your pay and experience different corporate cultures. Don’t be afraid to do this several times. If you’re a valued employee, it’s also likely your current company may offer you a raise or other benefits if they know you’re looking at leaving.
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Thanks for being so open with your story too. It’s always nice to compare yourself to real life examples. Right now I’m saving 60-65% of my take home pay. I’ll hopefully reach a million, along with an early retirement, in about 10 years.
You’ll notice that some offers are completely free, while others require a credit card to complete. In the case of offers requiring a credit card, the payout you receive is often greater than the cost to you. For example, we may pay you $10 to try a product, but the product requires a small sign-up or shipping handling fee of a few dollars.
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Expand your mix of stocks and bonds. Don’t add exotic alternative assets to the mix, but rather the type of assets you’ll find in a target-date retirement fund. In the stock portion of your portfolio, that means allocating 5% to 10% in foreign shares, emerging-markets stocks, real estate investment trusts, and commodities to go with U.S. blue chips. Add similar doses in global bonds, emerging market debt, inflation-protected Treasuries, high-yield debt, and bank loan funds to round out your bonds.
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Employer-provided retirement plans offer the best route to success. Contributions to a 401(k) are pretax, which lowers your taxable income. Money inside the account grows unfettered by taxes, which boosts your annual return.
Salvage and resell. Do you love antiques or have a knack for finding valuables at flea markets or yard sales? If you do, it might be time to consider salvaging items for resale – or even scouting out antiques to sell for a profit. While you’ll need to spend quite a bit of time searching for prospects and spend some money buying upfront, you could easily turn a profit if you know what you’re doing.
Hi. A great survey site that I use is Points2Shop. All you do is take surveys and complete offers. You can either earn points, with which you can use to shop directly off of amazon with, or you can earn money and get paypal, amazon, visa, and checks with. I make $3 to $5 a day. Highly recommend.
Rent out a parking spot. If you live in a busy or congested area and have parking to spare, you might be able to rent out your parking space for some quick cash when you’re not using it. Simply advertise your open parking space online including details on the location, whether it’s covered or uncovered, and your desired hourly, weekly, or monthly fee. If you want, you can even use a site like Just Park or download the Spot App to reach more potential customers.
Entrepreneurs have crossed “the risk line” from the “Time-and-Effort Economy” to the “Results Economy.” For them, there’s no guaranteed income, no one writing them a paycheck every two weeks. They live by their ability to generate opportunity by creating value for their clientele. Sometimes, they — and you — will put in a lot of time and effort and get no result. Other times, they don’t put in much time and effort and get a big result. The focus for entrepreneurs always has to be on results or there’s no revenue coming in. If you work for an entrepreneur, guess what! This is true for you, too. Though you probably have a guaranteed income, it’s important to understand that the business you work in exists inside The Results Economy, even if you’re sheltered somewhat from seeing that. I say this not to make you feel insecure, but to show you how to succeed in this environment: by maximizing your results while minimizing the time and effort it takes to get them.
It can take a while to build up your reputation but some users of the site have said that they earn £40 a month. This may not sound like much, but if it’s something you enjoy then it shouldn’t be hard work and is another thing for your CV. Money you earn will be in $US but anyone can sign up and review.