millionaire if not even a
multi-millionaire by the age of 25 so i
thought
you know this might be one of those
occasions where it's time to light a
candle it's time to pull out a pen and a
notebook because i'm going to show you
exactly the things i learned reaching 10
million dollars in my investment
portfolio after tax by the age of 21.
and how you can replicate the exact
eight steps that i took in order to get
there so ladies and gentlemen this is my
investing advice for all of the
teenagers out there now the first step
is you have to decide how much of your
income no matter how small it is are you
gonna put away in order to invest it
really all starts with a decision
whether you know you're getting you know
fifty dollars a week pocket money uh
whether you have a little you know
you're 17 or 18 and you have a little
side gig maybe you have a part-time job
whatever it is decide how much of your
income you're gonna put away now you
might be making fifty dollars a week
right now because your parents are
giving you fifty dollars a week in
pocket money and you might go
you know if i put ten dollars away every
single week that's really not going to
move the needle that much you're right
but what happens when you get to a point
where you're making five thousand
dollars a week and that could very much
happen for you in your you know teenage
years maybe even your early twenties
whatever the case may be and you for
four five six seven years built up the
habit of putting for example 20 of your
income away so maybe when you're 14 or
15 you're used to putting 10 dollars
away per week to invest and let's say
you land a high-paying job or maybe you
start your own business and as i said
you're making 5 000 a week and you are
used to putting 20 of that income aside
that's a thousand dollars a week that's
a lot of money to be investing so the
first step here is decide how much money
are you gonna put away and invest and
think about it not so much in terms of
the amount of money but in terms of
percentage term of everything that you
receive how much you're going to invest
and bear in mind when you're not making
a lot of money that percentage might be
very small and even if it's just 10 or
15 or 20
that's okay we're just trying to get you
in the habit here now my second piece of
investment advice specifically for
teenagers is find a way to have that
money away from you
so what you can do is you can tell your
parents hey i'm you know i want to be
serious about investing because today it
might be a small amount but you know in
my early 20s or even my mid-20s this
could be a very large sum of money so i
just want to get used to and i want to
train myself when i give you money to
put away into my investments can you
make sure that i don't take it out can
you make sure that i don't touch it
because you know something might come up
you know you might want a new ps5 or you
might you might get tempted by the list
travis scott nike collab 101 different
things could come up right but you want
to make sure that you never touch that
investment pile so as i said step number
two specifically for teenagers is find a
way to ensure that that money you know
is put away and no matter how tempted
you are you cannot touch that money and
you know you don't need to do this for
the rest of your life i definitely don't
give away my money to someone to
safeguard and keep protected uh you know
because i'm worried i'm gonna spend it
all but just while you're in these early
years and also while the amount of money
may not seem significant to you very
quickly it will snowball and become a
significant amount but not if you pull
that money out now my third piece of
investing advice for teenagers is get a
credit card as soon as you can and just
spend a little bit on it every single
month credit cards have so so many
benefits and me personally i wish i had
learned these benefits a long time ago
you know for me personally i was just
about to turn 20 when i started using
credit cards and bear mine at the age of
18 i was making anywhere from 100 to 200
000 a month profit so you know i was
used to making a lot of money but i was
just using debit cards for everything
which was foolish you know i wasn't
building up my credit score wasn't
getting uh you know the the myriad of
different benefits that you get from
credit cards like for example pretty
much free travel you know just from the
amount of money that i spend on the
business either way you know these costs
are gonna happen either way uh between
my various different businesses i i did
the calculations earlier i get something
like 55 upgrades a year
like basically uh you know more than an
upgrade a week you know from economy to
business or business to first class and
that's just one of the benefits right
there so
step number three is get a credit card
make sure you do not spend a lot of
money on it you know it could literally
just be like 20 or 50 or even 100 a
month just something you know you can
even just put your spotify and netflix
subscription on there and just make sure
you pay it off and just get used to the
habit of having a credit card and paying
it off every single month now the fourth
thing i want you to do is actually set
up the infrastructure in order to invest
and here's what i mean by this for the
longest time you know i didn't really
start investing until i was 19 which was
a big big mistake trust me i would
probably have a lot more than 10 million
dollars right now if i had invested much
sooner they ask you how you are you just
have to say that you're fine when you're
not really fine but you just can't get
into so one of the reasons that i didn't
was because investing seemed like this
sort of scary world to me right you know
i didn't know how to set up a brokerage
account uh even some of the the crypto
platforms back in 2017 2018 were a
little like just complicated to figure
out in terms of you know wiring your
money and this and that i didn't really
understand anything about the real
estate market about alternative
investments for example like watches so
what i want you to do and you know in
the year 2022 there are so many things
that make it so easy to invest you know
simple things like robinhood or weeble
like it's very easy to take money and
invest it whether that be into stocks
without being to crypto whether that be
you know nfts uh even real estate it's
getting easier and easier these days for
someone who's not a seasoned investor to
get started and get investing so what i
want you to do is i want you to set up
your you know it could be a coinbase
account or a cracking account or a
binance account right something that you
can buy crypto with and actually learn
how to take money from your bank you
know whether once again that could be 50
or 100
and know how to wire that and send that
to your you know your binance or your
coinbase account so that way you can
start investing i want you to set up
your weeble or robinhood account and you
know i don't have any affiliate links
for any of these platforms just go you
know type it in google and get signed up
because that way you're removing any
barrier or friction in order to invest i
want you to set up an openc account i
want you to set up a chrono24 account i
want you to whenever you walk past a
real estate agency in your town or city
i want you to you know actually look at
the house prices and just get a feel for
what are the house prices in your area
you know i want you to spend a bit of
time on zoopla or right move wherever
you are in the world right as i said
just to get to know you know why is one
house worth more than other why does one
house rent out for more than other and
you don't need to become an expert at
any of this stuff you know you don't
need to become an nft expert and spend
24 hours a day on openc but you can just
start to see patterns and stuff like
that whatever avenue you want to go down
and you know for example for me all of
my investments are with crypto nft and
watches right like that's just the the
area and the vertical that i am the most
proficient and i understand the most so
that's just kind of what i stick to and
i know them very very very very well i
know watch prices very well i know
everything's going on on openc i know
everything that's going on in the crypto
market so as i said whatever vertical
you decide to go down set up the
infrastructure to be able to invest so
that way if tomorrow you want to invest
a thousand dollars you could do it and
there's nothing you know there's no
excuses that you could give yourself now
my fifth piece of investing advice from
someone who started their business that
business right there my advertising
agency when they were 16 years old and
by the time that they were 21 years old
they had over 10 million net after tax
in their investment portfolio the fifth
piece of advice that i could give you is
investments are great
but you need to understand that
investments are not there to really make
you rich they're more there to preserve
your wealth and to give you stability
and security you know for many many
years and decades to come
what you need to do the fifth thing you
need to focus on is start a business or
start some sort of freelance side gig
whatever it is you need to get your
income up now that could even just be
you know a job at a fast growth uh
company you know there's many many
employees in my companies you know
between my agency my education platform
my software company that make ceo type
money and every year you know their
income compounds so if you can find an
organization like that there's nothing
wrong with having a job but i will say
they are very few and far between um
yeah most time it's very very hard to
level up your income uh when you're
working on a job so as i said the reason
that i was able to get to this point in
life is because i decided to start an
agency obviously at the time when i was
16 i didn't realize what i was doing now
looking back i realized yeah i started a
a boutique online remote agency and the
way that i built it up was by using
something called contractor arbitrage i
would find really good contractors and
then i would basically take their
services wrap it up under my agency and
then go ahead and sell that on for
double triple or quadruple what they
were charging me and you know what they
were charging me was still considerably
higher than what they were able to
charge clients in their own country so
so yeah that was basically the business
model for the first
you know almost two years and i was able
to get to 40 50 000 a month's profit
right towards the tail end of being 17
going into being 18 years old and then
from there once the budget allowed hired
people full time et cetera et cetera and
you know my cmo actually was a
contractor who worked for me four years
ago and it's been four years that we've
been working together now i can't give
you guys the exact specifics on how to
actually accomplish this and do what i
did but you will be happy to know that i
released exact step-by-step training on
exactly how to build a 100k a year
online business in the quickest time
possible so you can find that on youtube
i'll leave that as the first link down
below as well make sure you finish this
video and then go ahead and watch that
but as i said the reason that i got to
this point in life i had that
advertising agency that after two years
from 2016 to 2018 towards the tail end
of 2018 uh when i was still 18 years old
when i was just about to turn 19 that
business was doing over six figures a
month profit so that meant that i was
able to take all of that cash and what i
should have done all the way from when i
was doing 10k a month you know right
back when i was 17 and i just dropped
out of high school is i should have been
investing a large portion of this so you
know this idiot all he did was he just
sat on tons of cash up until 2020 now if
you know anything about what happened in
2020 2020 was a great year for investing
if you deployed your capitals i had over
seven figures cash you know after tax
just sitting there i deployed that from
my 1.5 million dollars i put in in 2020
uh within seven eight months through the
crypto markets it was up to eight and a
half million dollars i also invest a lot
of money in watches i have a watch
portfolio worth over two point three
million dollars right now i'll get
tristan throw it up on the screen my
chrono 24 collection so as i said if
you're starting off with a little amount
of money you will not invest your way to
riches still follow all of these
principles here the big big one is this
fifth one which is it said start a
business or some sort of freelance gig
step number six is live below your means
now i know there's been a lot of people
who could look at my life and you know
they'll see
videos where like you know i'll go shop
at the mall for like two hours and spend
like twenty thousand dollars or uh i'll
buy expensive watches well watches are
investments for me uh but
i don't know like i'll just do
i spend money i enjoy my life etc etc
for me personally i live off of anywhere
from 10 to 15 of what i earn
if you guys have seen uh my breakdown of
2021 uh sort of like a year in review
video as all you guys may know i made
over 10 million dollars in 2021 so
i know some of the things i do might
seem like wow that's so much money but
it's it's all
you know it's all uh
i don't know what word i'm looking for
here proportionate i think so i would be
very concerned for myself if i spend 70
80 90 of my income and a lot of people
out there spend more than they even earn
i don't believe in living below your
means in the sense that you know i see a
lot of these like you know multi
multi-millionaire uh people and they're
just like live very frugally and they
won't buy coffee in this i personally
just think that's stupid right like this
life you only have one of this life if
you are being responsible and you're
only spending 10 15 20 even 30 of your
income uh and you make a lot of money
who cares if you're investing the rest
of money you're protecting your future
uh you know that even if you stop making
money for the rest of your life you
would still be good and i'll get on to a
point that i'm gonna touch on very soon
for me personally i know everyone has
different opinions this life is there to
enjoy and especially if you have the
great privilege and the great honor like
i did and was very blessed and very
lucky because don't get it twisted
everything in life you know luck has a
role to play and i was very blessed and
i was very lucky to yes spot the right
opportunities at the right time you know
start a business at the right time but
there was always a factor of look
involved so as i said if you are
privileged enough to make money at a
young age i believe um you know you
should enjoy this life so live below
your means that doesn't mean you know
you need to scrounge your own coffee
this
you know i think when you're making less
income like let's say less than five
thousand dollars a month or two less
than ten thousand dollars a month it
makes sense that you spend 50 or 60 or
you know maybe even 70 of your income i
get it now once you get to a point where
you're making you know multiple five
figures maybe even six figures a month
and if that sounds crazy to you
at some point you know you can go back
to my youtube video and watch videos of
me when i was starting my business in
2016. you can watch videos of me in 2015
when i was like showing what books i was
reading i used to read a book a week and
you know i was like you know and i had
all these great visions and all these
grand plans et cetera et cetera so don't
set any boundaries on yourself of what
is and is impossible but
anyways as i said live below your means
as a percentage okay let's say in a
hypothetical world totally hypothetical
someone might look at someone who is
just
enjoys their life to the fullest like
literally doesn't even look at the price
tag of anything and they spend 10
million dollars a year that might seem
insane to someone that might seem like
total lunacy
but let's just say that person made a
hundred million dollars a year and that
person
invested 80 million dollars a year spent
10 million a year and put 10 million
years into their savings okay so they
saved just as much as they spent and the
other 80 of everything they made went to
investments and let's say that
investment portfolio yielded them 10
returns a year from that 80 million
dollars they have just yielded
eight million dollars a year passively
from their investment portfolio so the
reason i say this is because someone
might look at that person be like oh
you're not living below your means
you're boba or you're financially
responsible i don't think so is that for
me it's all proportionate and it's all
based on how much you make and what
stage of things you're at so living
below your means doesn't mean uh you
know
only shopping when there's sales if
you're a person who makes a lot of money
okay so just bear that in mind and this
goes into step number seven and this is
very important as time goes on and step
number seven is you want to increase
your percentage of your income that you
invest okay so once you start getting to
a point where you're making more and
more income every year you should try to
have your you know the percentage of
your income that is going towards your
investment grow and grow and grow and
this you know the reason that this is
important is because of the last final
steps and last final step is really
where you achieve the truest freedom in
life but the only way that that's
possible is by consistently as your
income grows and as i said the best way
to do that is through a business once
you're done with this video make sure
you click the first link in the
description that'll take you to another
youtube you know it won't take you any
landing page or this or that it'll just
take you to another youtube video that i
put out that people went absolutely
crazy for the truth it shows you step by
step exactly how to build an online
business to 100k a year as i said go
ahead start a business and as the years
go by and you make more money go ahead
and increase the percentage of that
money that you make that goes into your
investment portfolio and the last step
and this is really where you achieve the
truest sense of freedom
is only live off of what your investment
portfolio yields you so let's say that
you have an investment portfolio let's
say you're
25 years old and you followed all these
steps and let's say you follow these
steps and you know you're
14 let's say you're 17 you know maybe
even you're 19 years old and you follow
these steps and you have a investment
portfolio of 2 million dollars and if
that sounds crazy like
trust me like don't box yourself in like
that like don't limit yourself and your
scope of thinking so they said let's say
you get to two million dollars a year
off that let's say that you are yielding
eight percent a year that is 160 000 a
year passively the truest truest truest
freedom is when your investment
portfolio as in like your true passive
income
that pays for your life
and
if you can get to that point and that's
kind of the cool stage where i'm at in
life right now
where my lifestyle can be entirely paid
for by my investment portfolio which
means that all of the money that i earn
in my businesses can go straight into my
investment portfolio so let's say you
know to give you sort of realistic
benchmarks this year the businesses will
hit i think combined anywhere from let's
say three and a half million dollars to
five million dollars profit right so if
i can contribute let's say
hypothetically an extra four million
dollars and let's say i'm yielding ten
percent from that i put four another
four million dollars into my investment
portfolio this year and that means that
i get back an extra four hundred
thousand dollars a year in yield i've
just gone ahead and from this year 2022
from my business earnings i've gone
ahead and allowed myself to spend an
extra 400 000 a year for the rest of my
life and if i go ahead and do that again
next year then that stacks and that
compounds and compounds so they said the
truest freedom in life is when you
follow these seven steps and then that
last eight step that gives you the
stability the calmness to know that i'm
gonna be fine no matter what i could
stop working tomorrow and really nothing
could ever happen so for some of you you
will finish watching this video and you
go that was cool that was kind of
interesting and for some of you you will
understand just how powerful these steps
are and for any of you guys who have
been watching my youtube channel for a
while and there's a lot of you guys who
are literally used to watching when i
was 15 and 16. you would have seen every
single year i followed these steps you
know one or two i should have done
earlier like getting a credit card and
really getting the infrastructure for
investing set up earlier but you would
have seen my journey in the last six
years and you would have seen exactly
how my match should get to this point in
life and this is something that no one
ever taught me i grew up in a
single-parent household at some point me
and my mom were on government benefits
which for those of you guys who don't
know that's basically like um
welfare in america in the uk my mom was
bouncing between retail jobs she used to
be you know a receptionist getting paid
minimum wage at you know when the
hospitals one of the nhs hospitals which
is you know free healthcare in the uk so
i never had a dad i never had anyone to
be a big bro and you know really impart
this wisdom on me so for me this is like
this video is important and it's
meaningful to me because it's like this
is this is it like this is the high
level view this is how you do it like
this is how you free yourself for your
family so yeah i hope that you realize
how significant this is if you follow
this so on that note wherever you are on
these eight steps and i'll get tristan
to pop them up right here
just keep going you know keep going and
i can tell you for sure i am definitely
here in your corner and rooting for you
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