Financial Freedom Toolkit

All Things
Investing

Everyone knows they should invest.  Few do so.  Fewer still do it well.  It’s one of the biggest, baddest topics on this site (and planet Earth).  It’s complicated but crucial.  So of course I decided it needs a page on this website.  The question for you: will it get a page in your life too?

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Tier

What Is Investing?

Investing is the art and science of “making your money work for you.”  There are many investment frameworks you can use to put your dollars to work.  However, the basic concept is that you put money into an investing opportunity to get paid back more money over time.
Get Started

Why Investing?

Investing is perhaps the most accessible path to true wealth.  At the very least, it allows even casual investors to beat inflation (and savings rates).

I don’t claim to be an expert on anything I write about.

Hell, I hardly claim to be an expert on myself.  😂😂😂

These breakdowns are largely for me.  I use them to record and reference.  Unlike most others on this site though, this concept might actually be useful to the outside observer.

No promises.  You can tell me.

Industrious Dollars

Don’t let your money sit idly in your bank account.  Instead, put your dollars to work creating more dollars for you.

Compound Your Capital

Until you start growing by percentage, you’ll never understand.  Learn how it works and your worldview changes.

Bradshaw Wealth

I plan to run my own family office.  I may even offer money management services to my corporate clients.

Beating Inflation

Flip the script on the yearly wealth drain.  Don’t just protect against inflation, watch your wealth grow.

World Watching

Investing helps you see the world differently.  Start seeing trends others don’t and sniff out opportunitiy.

Investing scares a lot of people.  But it’s not as hard as you think and it’s easier to learn than ever.  Here’s how it has gone for me so far.

Learn with Me

I’m still young.

So I invest like it.

I want my savings to multiply.  I want to build a cashflow empire.  And I want to make some solid long-term flips.

Basically, I want to do it all.

Yet I have a strict method for my madness.

I’m still in my early thirties.  I kind of feel like I got a late start… but I also plan to live to 120.  Time is one of the biggest factors that influence investment payout.  For some types of investing it is number one.

That means diligent saving and maxing out things like my Roth IRA are at the top of the priority list.  I want to make sure I am getting the most of what I am earning now.

Meanwhile, I want to invest aggressively where I find good opportunities.  The plan is for my investing income to one day exceed my wages.

I fit everything inside my rules of Playing Markets.

My Experience

I’ve really only just started with this one.

I’m still a decade or two away from investing mastery.

I’ve only just gotten my feet wet.  So you can definitely find better sources of advice.  This page is actually one phase of me teaching myself how get good at it.

I understand how important it is to my life.

Sometimes it falls to the back burner.  That’s fine.  Exposure to markets over time provides balance.

Nonetheless, the progress on this page is evidence of the urgency I feel.  Our financial system offers ample opportunities but is frighteningly fragile.

Just getting started.  Still, optimistic on my prospects.

  • Importance – 98%
  • Passion – 85%
  • Mastery – 35%

Journey Started: 2014

Skills of the Wealthy

Playing markets is a game-changer.  Often unseen, economics affects affect us all.  Take advantage by learning how to play the game.

Where Investing Fits in a Good Life

Investing is one of the most important pieces of the Money Mastery puzzle.

For me, it’s a “Tier 4” concept, combining with Markets and  Trading to form Playing Markets.

Eventually, you’ll find Investing Principles and more under it.

2. Money Mastery
3. Playing Markets
‣ 4. Investing
5. Strategies
5. Goals
6. Retirement
6. Cashflow
6. Wealth
5. Vehicles

Money Tool Rank

Videos Watched

Mentions on My Site

Books Read

Setting the New 20s Off Right: My 2020 Goals

Setting the New 20s Off Right: My 2020 Goals

New Year's Resolutions get a bad wrap. It's not their fault though. It's yours. The truth is: The beginning of the year is a perfect time for a reset. You have to execute though. Do it right and this year could be the best year you've ever had. No guarantees. Because,...

Learn How to Invest Successfully

Successful investing starts with education.

If you don’t understand the concepts, you’re just gambling.

That’s why I created this page:

To make sure I am not just gambling.

If you learn like me:

The first thing to do is understand the different types of investing.  Not investing vehicles or investing strategies—but the different types of investing goals.

From one angle…

There are three investing goals.

  1. Investing for Retirement
  2. Investing for Cash Flow
  3. Investing for Value Appreciation

Now, this does leave out Investing in Yourself.  I would never discount that.  Compounding interest is a great.  But I’ll take compounding Character any day.

However, the markets won’t wait while you become the best you.

So figure out why you are investing.  Then you can figure out how you should invest.

Once you zero in on the reasons you’re investing, you can start learning the Fundamentals and looking into Vehicles and Strategies.

If you learn like most people:

Just.  Get.  Started.

If you don’t have a life-dominating “Why?” then the best way to go is to risk a little somethin’ somethin.’

Otherwise, you might not care enough to get dope.

You want mastery in this game.  Taking L’s hurts the future you.  That’s not a good look.

Even if you don’t have it in you to learn fundamental analysis or investment strategies, you can still benefit from those that do.  There are PHD mathematicians working to manage money 24/7/365.  Throw them some dough if you don’t have the time or energy to learn yourself.

Hopefully, you’ll feel the need to learn a little somethin’ once your stack grows a little bit.

The first sign of any curiousity, I recommend diving in.

How to Start Investing Step By Step

01

Put Skin in the Game

“The longer your time horizon, the less picky you should be about your entry.”  Tone Vays, 2/2/2021.  If you want to retire, the key is to get started.  For many, the value isn’t tangible until they see their money grow on its own.  But the math screams “Jump in NOW.”

Saving

02

Learn Your Options

For newbies, the S&P 500 or a Target Date Fund are great places to start.  If you can handle more risk, research individual Stocks (or Cryptocurrencies).  Want something you can touch?  Choose Real Estate, Collectibles, or Business.  Personally, I’d recommend Bitcoin.

Vehicles

03

Learn Fundamental Analysis

If you want to keep it simple, invest in things with a track record of appreciating in value or producing cashflow.  That’s why I brought up the S&P 500, Real Estate, and Bitcoin.  But if you really want to win, identify the assets and industries with the brightest futures.

Fundamental Analysis

04

Find Your Playing Style

There are myriad viable investing strategies.  It’s easy to find something that works.  What’s harder is choosing methods that actually work for you.  Risk tolerance, time commitment, personal interests, and more all play a role in your long term success.

Investing Strategies

05

Guarantee Retirement

For 99% of the population, investing is the most direct path to retirement.  The key is consistent, diversified investment.  If your time horizon is decades away, you don’t have to worry about buying low and selling high.  Avoiding taxes and fees is more important.

Retirement

06

Make Investing Automatic

A generation ago, the only way to invest automatically was through paycheck withholding.  Today, there are many more options.  That’s good because “set and forget” investing is the best fit for most.  The main thing is to invest every month (or everytime you get paid)

Financial Automation

07

Make Investing a Career

If you’re looking to be one of the richest people on the planet, become a professional.  Grow your nest egg into an empire.  Or open a family office and run your own hedge fund.  It’s not for everyone.  But it is the most likely way to become a billionaire.

Macroeconomics

Remember: just start.  Few factors matter more than time when it comes to investing.  The sooner you begin, the sooner you become financially free.

My Favorite Investing Videos

Everything you need to learn about how to invest is available online.

I’m no investing titan.  I stand on the shoulders of giants.  I simply listen to what my Heroes say and apply it.  Not everything sticks.  But enough does to have an impact on my economics.

Data
Dump

 

One of the main purposes of This Site is to catalog my learnings.  I’m not that learned.  But I’m working on becoming moreso.  If you see a “data dump” on this site, you’re looking at unsorted information.  It may be related or completely  unrelated, depending on the topic.

 

Ray Dalio Breaks Down His "Holy Grail"

Playing Markets

Index Funds 101

Bitcoin Through the Lens of the Stock Market

Making Sense of the Coronavirus Dump

Good Example From Dan the Man

Really Strong Overview of How Dan Looks At Price Trends – Context Provided By Late 2018 Stock Market Bounce (SPY IWM QQQ XLF VIX)

  • “What I look for on the sign of the bounce” ~ 0:56
    • Doesn’t Use Fibonacci Retracement But Uses Similar Visual Principle
    • “Looking at Odds of What’s Most Likely to Happen Next…”
    • Compares Bounce in Feb 2018 to Bounce in Dec 2018 (SPY)
    • Emphasizes Percentage of Bounce as Sign of Market Health
  • Begins Explaining How He Starts to Estimate Whether the Top Is In ~ 3:59
    • Factors in Fundamentals like Pension Rebalancing & Tax Law Season
    • “Lose the Hourly Uptrend Thats the First Indication that the Daily Lower High on the Bounce Has Been Set”
    • Touches on Nuances of Extended Hours Trading in Stocks, Make Note But Take with a Grain of Salt
  • Good Overview of How to Identify & Read Market Trends ~ 6:04
    • Shows Hourly Uptrend Key Support Levels
    • Illustrates How Much Room Bulls Have to Establish Uptrend on Daily Timeframe
    • “Even if the Top of the Bounce is Set… The Bulls Still Have a Chance… for Continuation”
    • Touches on the Importance of Volume as Price Goes Either Way
    • Says If The Market Gives All the Bounce Back without Higher Low, It Signals Significant Weakness
  • SPY Analysis Done, Goes On To Compare IWM, QQQ, XLF, & VIX ~ 8:31
    • IWM Almost Identical to SPY
    • QQQ Better Weekly Bounce But Still Almost The Same
    • XLF Again Similar But Nuance of Double Low As More Important Level
    • VIX (CBOE Volatility Index) Provides Inverse Look For Context (Moves Somewhat Opposite of Others)

Removed Video From Gary Vee

https://www.youtube.com/watch?v=OpQ48yCsWzs

Guys.  It happens in one day.

Talking to Guy in the Real Estate Business About Debt & Recession

Datadash's Investing Plan for 2019

Datadash: Understanding Market Cycles

Datadash: How To Trade Market Cycles

Datadash: How To Invest in Commodities

Datadash: Uranium Fever

This video highlights the current Uranium market.  It’s valuable not only in the actual information, but also in how he analyzes this market.

It has a few too many soundless pauses but it’s really strong.

  • Uranium Market Negative History Since 2007 ~ 0:40
    • Commodities Boom Lead to Parabolic Run Up
    • Fukushima Disaster & Japanese Nuclear Shutdown
    • Supply Glut Due to Overproduction (Japan Was #3 World Uranium Consumer)
    • Production Cuts from Cameco, Paladin Energy, Kazatomprom
  • Begins to Highlight Positive Trends ~ 3:01
    • Japanese Has New 8 Restarted Reactors & 14 More in Review
    • Top Ten Nations With Plans in Construction is Significant
    • “Perfect Storm” Clip from CEO of Uranium Energy Corp
  • “Have Uranium Markets Actually Bottomed?” ~ 5:52
    • Prices Still Low for Uranium & Stocks in Sector
  • Global X Uranium ETF (URA) Price Action & Trends ~ 6:40
    • Uranium ETF with Mix of Large, Mid, & Small Caps (Predominantly Miners)
    • 90% Drop From 2011 Highs ($130+ to $13)
    • This is What Institutional Traders & Other Long Term Players Like
    • Volume Increase Indicates Institutions Stacking Up
    • Price Strength Confirmation (No New Lows Since January 2016)
  • Short-Term URA Analysis (Aug’ 2016-Aug ‘2018) ~ 8:18
    • No New Lows Since Jan ’16; No New Highs Since Feb ’17
    • Simple Wedge “Signalling Massive Breakdown or a Breakdown”
    • “Make or Break Moment for Uranium Equities”
    • Indicates Gold and Silver BreakDOWNs Through Similar Patterns
    • Says He’ll Get Bullish If Price Breaks Above the Wedge

Datadash: Comparing Bitcoin & Gold

Datadash: U.S. Stocks Face Buyback "Blackout"

Datadash: Comparing Bitcoin & Gold

Datadash: US Stocks See Their Worst Month Since 2008

Money vs Currency - Hidden Secrets of Money

Smart Money Index

Smart Money Index: what you should know about this sentiment indicator

6 Proven Ways To Build Wealth without Stocks

Websites as an Alternative Investment Class

Roth IRA Millionaire

5 Costly Roth IRA Mistakes

Roth IRA Conversion

Best Places to Open a Roth IRA

Peter Schiff on Lewis Howes' Podcast

How the Economic Machine Works

Lucid's Principles of Investing

How To Invest $100

Original Data Dump Tab - From Money Mastery?

He’s a financial planner with online businesses.  Just the kind of guy I want to learn from.

YouTube knows I’m on a passive income kick so it also served me another YouTuber, Pat Flynn.

He’s another online guy.  I didn’t dive as deeply with him, but I definitely recommend him as a “make money online” teacher.

Here’s a couple videos I liked:

I also get down with Robert Kiyosaki.

I’ve read Rich Dad Poor Dad and loved it.  Then, Jeff Rose reminded me of him.  And YouTube served him in related videos.

I ended up watching all the way through this playlist (short, pitchy videos).

I’m current on this playlist as well.

Though it has flaws and they are still releasing content.  Still, I thought them worth embedding:

Books

  • richest man in babylon
  • money master the game
  • rich dad poor dad

ray dalio

some forex stuff

steve ballinger’s courses

crypto

Top 9 Ways to Invest $10,000

Original
Data Dump

 

One of the main purposes of This Site is to catalog my learnings.  I’m not that learned.  But I’m working on becoming moreso.  If you see a “data dump” on this site, you’re looking at unsorted information.  It may be related or completely  unrelated, depending on the topic.

 

Getting
Started

 

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How To Invest $100

1. Betterment – 1:54

  • No minimum for investing, you just need to have an investment goal
  • They use Exchange Traded Funds (ETFs) or low-cost investments to get into low-cost stock portfolios
  • They pick the investments for you

2. Ally Invest – 2:45

  • Minimal requirements where you get to pick the investments
  • The only issue is 100 may not be enough. Mutual funds may need a 1,000 minimum. You could open an account for 100, but you may not be able to invest.

3. On Your Phone – 3:42

  • Stash, Robin Hood, or Acorns
  • Do you want to choose the investments or have them choose your own?
  • With Stash and Acorns, they’ll choose the investments for you. But Robin Hood will let you buy fractional amounts of stocks
  • Stupidly easy to download the app, transfer money, and make your first investment

4. Your 401k – 4:54

  • Your 100$ has to come out of your pay to be put into your 401k
  • Sign up for a 401k!

5. Buy and Read Books – 5:28

  • Whether it’s for your family, personally, or your business, there are so many books that can help so much
  • Life lessons you might never have been exposed to you can learn about in books

6. Courses – 6:35

  • Specifically online courses. Going to school is fine, but nowadays, it’s amazing how much you can learn through online courses
  • Courses that’re less than 100 can give you skills, experience, or teach you a trade
  • Teachable, udemy, skillshare all offer hundreds of classes
  • To invest 100 in a course that will give you a skill you don’t have is worth far more than the investment

7. A Domain – 8:16

  • You can buy a web domain for under $100
  • If you have an idea for an ecommerce site, blog, or website, you can easily buy a domain
  • The most important part in anything is taking that first step: buy a domain

8. Find a Mentor – 9:07

  • Don’t ask to “pick their brain”
  • Offer to buy lunch for a potential mentor. And bring something of value to the table.
  • Take that 100 and buy lunch for someone who’s achieved that success you want

9. Invest in Your Spouse – 10:45

  • Make your spouse feel special

How To Invest $500

1. Investing in the Stock Market – 1:48

  • Mutual Funds, ETFs, and Stocks
  • If you’ve never invested before, stocks may not be for you
  • That’s where ETFs and mutual funds come in
  • If you want more control in choosing your mutual funds or ETFs, you can start with Ally Invest or etrade
  • Etrade has a $500 minimum but has full access to ETFs and mutual funds. And over 90s ETFs with zero commission
  • If you want someone to pick your investments for you, Betterment is the way to go (they pick your ETFs based on your financial goals)
  • Or something like Wealthfront, which is very very similar to Betterment
  • On your phone, you can use Acorns (out of your control ETF investing) or Robin Hood (zero commission investment app on stock or ETFs or crypto)

2. Investing in Real Estate with Fundrise – 10:49

  • You can invest in real estate without having to take out a loan or have your credit run
  • With $500 you can open a Fundrise account (a real estate investment trust company)
  • They build a real estate portfolio for you

3. Start An Online Business – 13:32

  • Growth is frequently more exponential in an online business than a brick-and-morter business
  • Many report than their online business is so much more profitable and much less stressful
  • The first step is always buy a domain. Then find somewhere to host the domain. Then a website theme (possibly, if you have no experience in web design).
  • So many options. Blog, ecommerce…
  • Not a lot of money upfront to get started. It costs more in time.

4. Invest in Online Courses – 20:17

  • Invest in yourself and your education.
  • Manage your expectations. They won’t make you a millionare overnight.
  • But if you have a goal and a result you want to accomplish, why wouldn’t you want to invest in something that will save you time, frustration, and failures?
  • The point is being able to consume the information and take action

5. Flip Challenge – 26:03

  • The challenge is: if you’re spending a ton of time on your phone, why not spend that time finding something on sale and flip it for a profit? What can you buy off craigslist anad sell on eBay?

How To Invest $1000

https://www.youtube.com/watch?v=t456xfXL-Bs

lots of wasted time in the beginning again…

  • Pay Off Your Debt ~ 2:05
    • Paying Interest Eats Into Interest Received
    • Draws Distinction Between CC Debt and Student Loans
  • Freedom Fund ~ 3:22
    • “As a Financial Planner, I Have to Say This”
    • Keep Something In Cash in Checking or Savings Account
    • “Freedom” Fund > “Emergency” Fund
    • Cash For Freedom to Do What You Want
    • It’s About Having It Liquid For When You Need It
  • Mutual Fund or ETF ~ 5:43
    • “You Won’t Pick that Perfect Stock”
    • Exposure to Stocks Through Fractional Shared
    • Professionally Managed Basket of Stocks
    • Learn From Documentation They Send You
    • Great Way to See What Stocks Pros Hold
  • Online Investment Options ~ 7:31
    • Betterment, Ally Invest, Robinhood, Acorns
    • Can Get Started with $1000 or Less
  • Peer to Peer Lending ~ 8:06
    • Microloans That Allow You Earn Interest Like a Bank
    • Mentions LendingClub and Prosper
    • Likes It Has a Stock Marketing Alternative
  • Roth IRA ~ 9:26
    • Apples to Oranges in This List
    • Retirement Account That You Can Place Investments Income
    • Zero Income Tax When You Pull the Money Out
    • For Long Term Investing
  • Investing Into a Business ~ 10:55
    • Investing In Your Business Can Yield Much Better Short Term Returns
    • Recommends Online Business
  • Invest In Yourself ~ 13:31
    • “By Far, I Think, the Best”
    • Many Different Ways To Do So
    • Read Books & Listen to Audiobooks
    • Pay for Certifications & Online Courses
    • Paying For Personal Coaching
    • Helped My Business Grow Faster Than Trying To Do It On My Own

How To Invest $10000

video starts with a lot of extra discussion… one of the main missions being to prioritize debt payments and cash savings (freedom fund) first

  • Stock Market ~ 5:24
    • Referring Specifically to Mutual Funds & ETFs
    • Mentions “Robo Advisors” Betterment & Wealthfront
    • Mentions Platforms Like TD Ameritrade, E-Trade, Ally Financial
    • Gives An Example of How He Might Invest with Some Context
  • Individual Stocks ~ 9:11
    • Discourages Unless Familiar with Stocks
    • Discourages $10K in A Single Stock
  • Mentions Roth IRA ~11:35
    • Apples to Oranges in This List But Smart Call to Action for Someone with $10K
  • Peer to Peer Lending ~ 12:35
    • Crowdsourcing Micro Loans
    • Get to Choose Which Debt Notes to Fund
    • Levels About The Risks, Higher Rates with More Risks
  • Real Estate ~ 14:14
    • Focuses on Ways to Invest in Real Estate without Having to Manage Real Estate
    • Mentions ETFs and Mutual Funds with Real Estate Index Exposure
    • Mentions RETs – Real Estate Investment Trusts
    • Recommends Against “Nontraded” RETs
    • Mentions Fundrise and Realty Shares
    • Mentions Funding Private Real Estate Investors
    • Talks About Adding Value to Your Home As Less Risky Option
  • Annuities ~ 20:54
    • “If You’re 25-34, Just Skip This”
    • Jeff Rose Hates Annuities, Especially Variable Annuities
    • Says Fixed or Fixed Index Annuities May Be Decent
    • Doesn’t Suggest Only for Investment
    • Could Help Provide Fixed Income Benefits in Retirement with Right Stratgy
  • Investing In a Business ~ 23:22
    • Starting a Business Is Not For Everyone
    • Recommends Having Validates Sales Before Investing Money Into Starting
    • Join Franchise for $5K-$100K
  • Coaching or High-Level Mastermind ~ 26:46
    • Says He Was Skeptical Until His Mentors Validated Coaching
    • Gives Personal Examples of $7K and $25K He Has Paid
  • Cryptocurrency ~ 30:13
    • Admits to Buying $1000 Worth (Video from March 21, 2018)
    • Not a Very Formed Opinion But Says “A Lot to Figure Out” Still
    • Recommends Against Dropping All of Your $10K In It

Everything You Need to Know About Investing

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Business
Investing

 

In their purest form, markets are more closely tied to business than banking.  In their current form however, that may not be true.  Still, their interrelation is undeniable.  Markets impact businesses.  Businesses impact markets.  Thus, an opportunity to play markets.

 

Money &
Currency

 

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Hidden Secrets of Money

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The Crash Course

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Macro-
Economics

 

Economics is complex.  The markets affect everything.  Jobs.  Loans.  Real Estate.  Gas prices.  Food prices.  It’s a million Rude Goldberg machines at once 🤯 but they impact your life.  Too bad.  So sad.  Remain ignorant of the market’s machinations at your own risk.

 

Technical
Analysis

 

There is a science to predicting price action—or at least some sort of pseudoscience.  And truthfully, it’s not so much about making predictions as it is about finding profit based on probabilities.  Learn the language of the charts and master growing by percentage.

 

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How I Invest to Climb the Wealth Ladder

If you haven’t noticed, I take this stuff seriously.

You don’t have to do it like me.  But maybe you wanna know.  So I guess I’ll tell you.  You might have picked some of it up by reading through this page or clicking on some of the links.

I’ll spell it all out here.

Deliberate Diversification

familiarizing myself with one over time then move on to the next slowly

 

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Business Investing

I invest more into my businesses than anywhere else—by far.  Probably 95% of the money I make goes back into Greensboro SEO Pro and my other Brands.  After all, they are what generate most of the money I invest elsewhere.  It is likely to be that way for the next decade or so.

Crypto HODL Positions

invest in bitcoin and other cryptocurrencies

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M1 Portfolio

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Next Up: Real Estate

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Favorite Coaches

Favorite Teachers

Favorite Entrepreneurs

My Investing Posts

My Month in Personal Growth – June 2018

My Month in Personal Growth – June 2018

Quarter three, here I come. I've been banging out personal growth posts for six straight months now. January February March April May I'm slightly proud of myself.  It definitely feels better than when I promised a slew of work from home posts but tapped out after the...

My Month in Personal Growth – May 2018

My Month in Personal Growth – May 2018

I know this one is going to go long, so I won't waste time on an intro. If you're interested: January February March April I will pause for my typical "pat on the back for consistency", however.  This time, I'm proud to say that I actually finished this post early. ...

My Month in Personal Growth – February 2018

My Month in Personal Growth – February 2018

Yaaaaaaaaaaay! I made it to my second monthly personal growth post! A year from now, these posts will be a great resource.  Again, I'm all about brainwashing myself.  Repetition helps.  So I will use this this partially as a record of all of my favorite talks.  Last...

My Month in Personal Growth – June 2018

My Month in Personal Growth – June 2018

Quarter three, here I come. I've been banging out personal growth posts for six straight months now. January February March April May I'm slightly proud of myself.  It definitely feels better than when I promised a slew of work from home posts but tapped out after the...

My Month in Personal Growth – May 2018

My Month in Personal Growth – May 2018

I know this one is going to go long, so I won't waste time on an intro. If you're interested: January February March April I will pause for my typical "pat on the back for consistency", however.  This time, I'm proud to say that I actually finished this post early. ...

My Month in Personal Growth – February 2018

My Month in Personal Growth – February 2018

Yaaaaaaaaaaay! I made it to my second monthly personal growth post! A year from now, these posts will be a great resource.  Again, I'm all about brainwashing myself.  Repetition helps.  So I will use this this partially as a record of all of my favorite talks.  Last...

My Top Three Trading Teachers

YouTube University is my go-to for trading training.  I've completed several programs and keep up with these guys weekly.

Krown

The Most Entertaining Man in Trading

TheChartGuys

Straightforward Trading Analys

Tone Vays

operation Director, Elegant Themes

So, You Think You Want to Climb to the Top?

Nice little subtitle for the win.  Nice little subtitle for the win.  Nice little subtitle for the win.  Nice little subtitle for the win. or the win. 

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