Getting DMs like these still blows my mind. And I get a surprising amount of them. I picked up a lot of followers in 2019-2020 covid era. Those who implemented my advice are now starting to become millionaires, just 6-7 years later. CRAZY.

And that advice is stupid simple: Earn more, spend less. Invest the difference in index funds. Leave your investments alone.

Many think this advice is TOO simple. It seems like there should be some complex hack. You might think things like:

• Shouldn’t I be doing deep market research on the best stocks?
• Shouldn’t I be using some advanced life insurance tax strategy?
• Shouldn’t I be leveraging debt to grow my wealth using other people’s money?
• Shouldn’t I graduate to some more advanced investing strategy than index funds?

The answer to all of those questions is NO! All that gimmicky stuff is a distraction. Real wealth is built by focusing on the basics. Consistency over time has amazing compounding impacts.

If this (anonymous) investor never invests ANOTHER PENNY, and leaves their investments alone in an index fund averaging a 10% return, at the age of 65 they’ll have over 28 MILLION DOLLARS. Wild stuff.

Don’t get distracted by they shiny object. Keep pushing towards your goal. Once you see traction it will go faster and you’ll be there even before your own projections!

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.

-Jeremy