The Ultimate Guide To Wealth Building Mastery Ebook Draft 1 - Documentos de Google

‭Wealth Building Mastery Guide‬
‭CONTENTS‬
‭CHAPTER 1 INTRO‬‭DONE!‬
‭CHAPTER 2 - the goal & mentality - Myth busting.‬‭DONE - might need‬

‭reordering.‬
‭CHAPTER 3 - THE WEALTH PRINCIPLES‬‭Done QUITE HAPPY NOW‬
‭CHAPTER 4 - The structure to build wealth - Principles of personal finance - the‬

‭mechanics 1‬
‭CHAPTER 5 - Keeping track - Applied exercises to maintain and grow your wealth -‬
‭the mechanics 2‬
‭CHAPTER 6 - ENTREPRENEURSHIP AS A MEANS OF FREEDOM - CREATING‬

‭SOURCES OF PASSIVE INCOME & quitting your job - Maintenance‬
‭CHAPTER 7‬‭-‬‭WHERE MONEY DOESN'T MATTER ANYMORE - How to spend‬

‭your time - Trouble shooting? Or more maintenance‬
‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭CHAPTER 1 INTRO‬
‭restate your argument & re-establish the benefits - "why" is your course the‬
‭right course‬
‭Welcome to this course. Just by being here you are already ahead of the‬
‭grand majority.‬
‭ ersonal finance is the key to building a strong wealth foundation and here‬
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‭you will learn key critical practices used by multi millionaires to build and grow‬
‭their wealth.‬
‭ any believe that once you have money to manage, you will learn how to‬
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‭manage it. This could not be further from the truth. If you don’t learn about‬
‭personal finances, money and how to manage it, then it is very unlikely that‬
‭you will ever become wealthy. The value you will get from this short guide is‬
‭immeasurable. If you follow the blueprints I’ve set out for you in the next few‬
‭chapters you will noticeably increase your wealth and have a proven record of‬
‭how it is steadily growing month after month.‬
‭This course is for you if‬
‭You have a regular job but are never really able to grow your wealth.‬
I‭f you don’t quite understand personal finance and have little control over your‬
‭money.‬
‭You want to know more about money and how to build wealth.‬
‭ rofessionals, students, parents, people who want to grow their savings and start‬
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‭investing.‬
I‭f you want to know how to manage your finances better and have peace of mind‬
‭when spending your money.‬
‭ ou are just starting to earn money for the very first time, possibly the beginning of‬
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‭your career and are unsure of what to do.‬
‭If you don’t have over 150k saved in your account and want to get there.‬
‭If looking at your bank account scares you.‬
‭Or if you don’t know where your money goes at the end of the month (even if you are‬

‭a high earner).‬
‭ ou want to take control over your finances and know how to manage your money so‬
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‭that you don’t have to be counting pennies.‬
‭ o incorporate a method to stop living paycheck to paycheck, and actually start‬

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‭accumulating wealth.‬
‭Well, you are at the right place.‬
I‭magine 12 months from now‬

‭having your finances completely in order, seeing your savings grow and your‬
‭investments starting to give returns. No more needing to worry about ordering sides‬
‭at a restaurant, or buying a round of cocktails for your friends, because you know‬
‭(thanks to your financial plan) that you can afford it.‬
‭Well that is where we are heading.‬
‭Who am I?‬
‭ i there, my name is Ivan Tornado. Well, Tornado‬
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‭is not actually my surname but that's what they call‬
‭me (because wherever I go I shake the ground).‬
‭I’ve been a digital nomad for the past 4 years.‬
I‭ decided to write this little guide because people‬

‭kept asking me again and again how I managed to‬
‭“always be traveling the world and seeing beautiful‬
‭places”.‬
‭ he answer is easy. I have my finances in order‬

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‭and know I can afford to travel. Just because I am‬
‭away from home, it doesn’t mean I am not working. I dare to go off roaming‬
‭the globe because I have put in place a financial plan and know I can afford‬
‭it.‬
‭Let me tell you my story….‬
I‭ am not going to lie and exaggerate my story like many other “finance‬
‭ninjas” out there. I never had to move to my parents basement or have to‬
‭squat with friends without having money for rent.‬

I‭ had a smooth transition from employee at an insurance company, to‬

‭e-commernce entrepreneur and then digital nomad.‬
I‭’ve always had it clear that I wanted to be an entrepreneur and work for‬
‭myself. Even as young as 18, in university I was looking at ways to work for‬
‭myself. That’s when learned about e-commerce. I had a few unsuccessful‬
‭e-commerce sites while I was studying.‬
I‭t wasn’t until I was 23, having finished my masters and already working a‬
‭regular 9-5 office job at an insurance company that I made my first‬
‭successful e-commerce web page with a friend.‬
‭ fter only 4 months of working my 9-5 during the day and building our‬
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‭ecom during the evenings I quit my job and decided to work fully on our‬
‭project.‬
‭ his is when my first signs of success started. Rather quickly we (my friend‬
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‭and I) were both earning 5-6k per month. By the time I was 24 we were‬
‭hitting around 12-15k each month. It was crazy, I couldn’t believe it myself.‬
‭ o I went ahead and did what I always dreamed of doing. I took off‬
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‭traveling! To live the life of a digital nomad. Backpack, laptop and a whole‬
‭world of adventures waiting ahead.‬
I‭'m not telling you this to show off, but for you to understand my story and‬
‭where my expertise came from. But it wasn’t all sunny skies from then‬
‭onwards.‬
‭ fter being on the road for months on end and covid-19, our downfall‬
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‭began…‬
‭ ith everyone inside their homes, e-com competition got fierce, shipping‬
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‭prices skyrocketed (even past 500%), ad spend bidding also doubled and‬
‭we lost our edge. It had been 3 years since we had opened, but we were in‬
‭trouble. We started to slow down. Back to 7-8k, then to 3-4k.‬
‭Until eventually having earned quite a bit of money, we had to close our‬
‭ecommerce.‬

‭ ere is where I realized how valuable my knowledge in personal finance‬

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‭really was...‬
‭ e had closed our main money maker, and I was perfectly fine. Protected‬
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‭by a comfortable emergency fund and my investments growing. I had‬
‭nothing to fear. I had been collecting data on my spending habits and knew‬
‭(for a fact) I had a cushion of at least another 2 years for me to start my‬
‭next business.‬
‭ hat means, I looked at how much I had saved, and saw that If I did not‬
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‭alter my regular spending habits (traveling, going on adventures, having‬
‭nice dinners and having drinks with my friends) I could live off my savings‬
‭for 2 years. If I cut down and limited my lifestyle I could even “survive” for 3‬
‭years.‬
‭ his made me extremely calm because I knew I had time to find my next‬
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‭venture. My next money maker.‬
‭ few months later, I was once again working on a new project and again‬
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‭created a new cash flow. But what is important here was the peace of mind‬
‭that came with having a well thought out and implemented financial plan.‬
‭ owever, what was odd and never realized until our company went down,‬
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‭was that‬‭my business partner was screwed‬‭(financially‬‭speaking).‬
‭ e were both equal 50-50% partners and earned the same amount over‬
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‭the last 3 years, but I was super set and calm and he was running‬
‭desperately low on cash.‬
‭ hat did you do man? Did you not open up savings accounts? You haven’t‬
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‭been putting money aside? What about your investments ?‬‭We had‬
‭invested together through the years - but he had sold his shares and crypto‬
‭and was almost broke. I couldn’t believe it. He had blown it all away. I was‬
‭baffled.‬
‭ hen I realized… He had no financial education. He had never learned‬

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‭personal finance. Our company was solid, our earnings were really good‬

(‭ specially for our age). We were moving hundreds of thousands of dollars‬

‭in revenue with our ecommerce.‬
‭During this time I made it a point to learn about money, finances and the‬
‭psychology of money. I must have read over 20 books and hundreds of‬
‭articles on personal finance and how to manage money (to be fair I have‬
‭always been a big reader. Even before we had succeeded with our‬
‭e-commerce).‬
I‭ assumed he had been learning too… He hadn’t. Our company closed and‬
‭his personal finances were in ruins.‬
‭He didn’t know how to manage his money and lost it.‬
‭ o I sat down with him one afternoon and explained the most basic‬
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‭principles of personal finance I had been following and how I had been‬
‭managing our own money. He didn’t know any of it. I was shocked once‬
‭again. 3 years with him, he was a really good Co-CEO, but terrible with his‬
‭own money.‬
‭ nce he implemented the (very basic) tactics I taught him that afternoon,‬
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‭after a few months he was still short in cash, but had regained control of his‬
‭finances. He began to turn things around and again saw his net worth start‬
‭to grow.‬
‭ hat’s when I realized I knew something that was not common knowledge.‬
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‭A blend of skills and advice from all the learning I’d done over the years‬
‭that would improve people's lives.‬
‭That’s when I started teaching personal finance.‬
‭ his guide is an improved, more complete version of the chat we had that‬
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‭afternoon.‬
‭ ince then countless people have implemented the methods in this guide‬
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‭and have taken control of their finances.‬
I‭n this short ebook you will learn how to manage the money that you‬
‭already have so that you never go broke. So you can build a strong‬

‭financial foundation and start to accumulate wealth.‬
‭ o that you are aware of your financial situation so you can take informed‬
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‭decisions when you buy anything. So that you know if you can afford that‬
‭plane ticket or that new car.‬
‭Imagine not ever having to worry about financial planning again.‬
I‭n few words… in this guide you will learn o understand the wealth‬
‭principles that millionaires use, how to manage your money, how to keep‬
‭track of your finances and lastly, how to not lose your money.‬
‭ ecause in the end it’s not about who makes the most money, but who‬
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‭keeps the most.‬
‭ y the end of these few pages you will know more about personal finance‬
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‭than 98% of the world.‬
‭You will learn how to distribute your income‬

‭ ow much to save - and how to build an emergency fund‬

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‭How to start investing and benefit from the power of compound interest.‬
‭How much you should be spending on your bare necessities‬
‭How to keep a tight control on your spending.‬
‭and lastly… the famous formula to financial freedom.‬
‭Little disclaimer:‬
I‭t’s not enough to just read the guide. You must execute the steps that‬
‭will be laid out. If you just sit on your knowledge nothing will change.‬
‭“promise is good, but it must be accompanied with follow though”.‬
‭So let's start constructing the foundations to your wealthy life.‬

‭CHATPER 2 - the goal & mentality - Myth busting.‬
‭WHAT IS PERSONAL FINANCE?‬
‭Personal finance is all about managing your money. It means making decisions‬
‭about how you earn, spend, save, and invest your money to meet your goals. Here are‬
‭some basic things it includes:‬
‭●‬ ‭Budgeting: Plan how much money you get and decide where it should go. This‬
‭helps you make sure you have enough for everything you need.‬
‭●‬ ‭Saving: Set aside some money for later. It could be for emergencies, holidays,‬
‭or big things like buying a house.‬
‭●‬ ‭Investing: Make your money grow by putting it into things like stocks, bonds,‬
‭or real estate.‬
‭●‬ ‭Debt Management: If you owe money, figure out a plan to pay it back without‬
‭causing too much stress.‬
‭●‬ ‭Insurance: Protect yourself from unexpected events, like getting sick or having‬
‭an accident.‬
‭●‬ ‭Retirement Planning: Save and invest money now so you can have a‬
‭comfortable life when you're no longer working.‬
‭●‬ ‭Estate Planning: Plan what happens to your money and belongings after you‬
‭pass away.‬
‭Managing personal finance means learning about these things, being smart with‬
‭your money, and adjusting your plans as life changes. It helps you have a stable and‬
‭secure financial future.‬
‭Personal finance and some of these topics sound scary, but I promise you‬
‭they are not. We will go through every single one of them.‬
‭Firstly, let me clear the air on some of the biggest misconceptions around‬
‭personal finance.‬
‭The first huge myth we have to debunk is that:‬

‭“Personal finance is hard. You have to be extremely smart to manage‬

‭your money. ” - NOT TRUE!‬
‭Personal finance is easy. By sticking to a few basic ground rules we will go‬
‭over you are more than on your way to creating a wealthy lifestyle and‬
‭understanding money.‬
‭Yes, there is endless information on what to do and what not to do and it‬
‭can feel overwhelming. You can make your personal finances as complex‬
‭as you want, but the main principles are extremely easy both to understand‬
‭and apply. Just by following these principles you’ll be miles ahead of 98%‬
‭of people.‬
‭Just to clarify, the concepts of personal finance are easy, but‬

‭becoming rich is not (or usually is not). If it would be easy to become‬
‭rich, everyone would be rich.‬
‭This guide teaches you how to manage your finances so that you have‬
‭data about your money, your spending habits and helps you quantify what‬
‭wealth actually means to you.‬
‭Another common myth:‬
‭“More income means more wealth.” - Somewhat true, but not quite…‬
‭While a higher income helps, true wealth is often about how you manage‬
‭and save money, not just how much you earn.‬
‭Myth:‬
‭“I’m too young to start saving for retirement” - FALSE!‬
‭The earlier you start saving, the more time your money has to grow. Even‬
‭small amounts can make a big difference over the long term.‬

‭In this guide you will learn about budgeting, saving, investing, financial‬
‭planning and how to set yourself up for financial success and have‬
‭complete peace of mind.‬
‭Disclaimer:‬‭You will not learn here how to make more‬‭money.‬
‭You will learn how to manage the money you are already making so that‬
‭you start building wealth foundations.‬
‭When you have these capabilities, you will start to see your money grow‬
‭each month. This will motivate you and give you the tools so that you can‬
‭then create more money. By taking measured risks and decisions based on‬
‭data.‬
‭Another huge myth for growing wealth is:‬
‭“You have to have lots of money first and then learn how to manage‬
‭it.” - NOT TRUE!!‬
‭Again, this is false. Imagine saying “I will learn to play basketball when I‬
‭join the NBA”. No, you won’t be able to join the NBA unless you are a great‬
‭basketball player. The same happens with money.‬
‭You first have to learn how to manage money, and when you know‬
‭how to manage it, it will grow, and you will start building wealth.‬
‭If you have 10,000€ saved up, learn how to manage those. If you have‬
‭1000€, then start with those. If you only have 100€, then that's also ok. At‬
‭first it’s about building good money habits that later will become second‬
‭nature to you.‬
‭First learn how to manage your money. Then see it grow over time.‬
‭More myths:‬

‭“Financial planning and wealth advisors are only for the rich” - NOT‬
‭TRUE‬
‭You will not get rich by accident. You have to plan, learn and work towards‬
‭it constantly. It is always a good idea to learn about money and seek‬
‭advice.‬
‭I cannot stress enough how important it is to become financially literate.‬
‭ here are multi billion dollar industries that capitalize on consumers not‬
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‭knowing about money (ask bank managers!).‬
‭If you never learn, take out high interest credit card loans and do not have‬
‭a strong financial foundation, the chances you become wealthy are almost‬
‭non-existent.‬
‭It is our responsibility to learn about money.‬
‭Following the principles in this guide and keeping a record of your‬

‭money habits is the best way for you to understand your financial‬
‭situation and how to improve it.‬
‭ ut don’t worry because in this short guide you will learn the simple to‬
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‭implement strategies I still use to this day to manage my money, invest at a‬
‭risk tolerance level I feel comfortable with and make my wealth grow.‬
‭Horrible myth people believe:‬
‭ I don't need an emergency fund; I have credit cards.” --- SO‬

“
‭WRONG…Please don’t.‬
I‭t is always better to have an emergency fund. Relying solely on credit‬

‭cards for emergencies can lead to bad debt. An emergency fund provides a‬
‭financial cushion which won’t harm your long term financial health. It also‬
‭provides you with something money can’t buy: Peace of mind.‬

‭Why is it called wealth building? Why do I teach “the wealth foundations”‬

‭course? Because you build towards it. Because if you don’t have strong‬
‭wealth foundations, you cannot “build” wealth.‬
‭CALL TO ACTION -Check out the full wealth foundations course here.‬
‭LINK HERE.‬
‭We have all heard of the saying “Don’t work for money, have money work‬
‭for you”. Well, this can only happen if you know how to manage money.‬
‭How to keep it and make it grow. You will learn how to do this in this short‬
‭guide.‬
‭Time is the best way to make money grow‬‭. Through savings‬‭and‬

‭investments, compound interest will make you rich. You just need to have a‬
‭financial plan in action.‬
‭Like I mentioned before, it is not about who earns the most. It’s about who‬
‭gets to keep the most, save it and invest it for the future.‬
‭Many people I’ve taught are high earners, making 15k or more per month,‬
‭but they never seemed to grow rich. Yes, they’d get a bonus at the end of‬
‭the year and possibly a raise, but they’d quickly go off and spend that extra‬
‭money, adding more costs to their life and still have very little by the end of‬
‭it.‬
‭If they invested, they did so sporadically, on stocks or cryptos that were‬
‭“trending” or that they “liked”, rather than a long term investment strategy‬
‭for growth.‬
‭Once they started following these easy principles and applying the‬
‭concepts learned here, their situation changed drastically within a few‬
‭months.‬
‭INSERT HERE 2 OR 3 QUOTES FROM PEOPLE WHO HAVE TAKEN‬

‭THE COURSE AND LOVED IT.‬

‭QUOTE 1 - IVAN’S WEALTH FOUNDATIONS COURSE IS AWESOME‬
‭QUPTE 2 - AFTER A FEW SESSIONS WITH IVAN I FINALLY‬

‭UNDERSTOOD WHAT I WAS DOING WRONG.‬
‭Maybe you are not at the 15k per month mark, that doesn’t make these‬
‭principles less valuable. It actually makes what you’ll learn here more‬
‭valuable.‬
‭A big worry people have: “Looking at my personal finances is scary!” Well‬

‭yes. If you have no control and don’t know where your money is going, I‬
‭wouldn’t want to look at my finances either. It’s best to rip that bandaid and‬
‭realize it is not that scary. Or even if it is, not knowing will definitely not‬
‭help!‬
‭ANTOHER QUOTE TO WRITE “Now that I got my finances in order I sleep‬

‭much better. I now understand where I was going wrong.‬
‭A great benefit of being informed of your current financial situation is‬‭the‬

‭peace of mind‬‭that comes with having data. No more‬‭needing to worry‬
‭about buying sides at a restaurant, or paying for a round of drinks with your‬
‭friends. Because you know (backed up by your own data!) that you can‬
‭afford it. And if you can’t, then at least you have a budget to stick to and a‬
‭plan to follow so that in the future you can.‬
‭These principles are going to sound absurdly easy. They are so easy to‬
‭understand that even a 6 year old could learn them.‬
‭If you apply the principles here, even if you don’t do anything to earn more‬
‭money, you simply measure and understand how the money you have‬
‭behaves, in 6 months your life will look very different. Let’s not even‬
‭mention how it will be in 5 years!‬
‭Another myth about personal finance:‬
‭“Personal finance is expensive and time consuming”. - NOT TRUE!‬

‭You can keep a tight control over your finances in only 20/30 minutes PER‬
‭MONTH and all completely for free using google sheets/excel ! There are‬
‭hundreds of apps to do this for you, but I personally still use a simple‬
‭google sheet where I keep track of my money “the old way”. It helps me‬
‭understand my situation better.‬
‭By the end of this guide you will know how to do the same. You will also get‬
‭a blank template of the same google sheet I use. You’ll fill in the blanks and‬
‭understand your own financial situation.‬
‭So let’s not waste any more time and begin.‬

‭CHAPTER 3 - THE WEALTH PRINCIPLES‬

‭There is no single way to get wealthy. There is no fixed time frame either. Like‬
‭my father always said “of course it’s hard to become rich. If not, everyone‬
‭would do it!”‬
‭Even though there is no bulletproof formula, there are some universal‬

‭concepts that every rich person follows.‬
‭If you follow the wealth principles below you are drastically increasing your‬
‭chances of becoming rich.‬
‭Lets get on with it:‬
‭The first, most important rule to always follow:‬
‭NEVER LIVE ABOVE YOUR MEANS!‬
‭You have money coming in from your job/dividends/rentals/side gigs ect,‬

‭and money coming out from your usual expenses. To not live above your‬
‭means, simply have the money coming be more than the money coming‬
‭out. It is that easy!‬
‭RULE N1:‬
‭INCOME > EXPENSES‬

‭It is that simple. If you earn 3k, don’t spend more than 3k. Even more simple:‬
‭If you have 1k in your account, don’t spend 1.2k on a new iphone.‬
‭Don’t finance your lifestyle with money you don’t have!‬
‭Remember that wealth is quiet. I am sure you’ve heard the saying “to become‬
‭rich, act broke”. Wealthy people usually prioritize saving and investing over‬
‭flashy spending.‬

‭This extends to your credit cards. Don’t get into debt with your credit card! If‬
‭you have a 10k spending limit on your card, but only have 6k in your account,‬
‭don’t spend 10k! That is amongst the worst things you can do. Credit card‬
‭debt has one of the highest interest rates (sometimes even up to 18%).‬
‭It is the first rule to build wealth:‬
‭NEVER LIVE ABOVE YOUR MEANS!‬
‭If you live below your means, you should never go broke. Each month you‬
‭should have more and more money saved in your account.‬
‭That is one of the biggest issues people have. They earn 4k and spend 5k and‬
‭add more debt to their credit card. Then end up paying fortunes in interest and‬
‭become even more broke.‬
‭Don’t spend to impress, spend on things you love. Never ever ever everrrrrrr‬
‭live above your means! (It needed to be said 5 times because it is that‬
‭important).‬
‭Wealth principle:‬
‭FOCUS ON EARNING MORE‬

‭NOT CUTTING COSTS!‬
“‭ There's a limit to how much you can save, but no limit to how much you can‬
‭earn!”‬
‭RAMIT SETHI - Author of‬‭I will teach you to be rich.‬
‭ es, it’s true that you shouldn’t splurge on things you don’t need (and even‬
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‭less live above your means), but one shouldn’t get super boggled up on‬
‭cutting costs.‬

‭One should focus more attention on earning more. You will get rich by‬
‭negotiating your salary, starting a side hustle and generating passive income‬
‭not by cutting costs buying cheap coffee or thin toilet paper.‬
‭You’ve probably heard this wealth principle a million times before, it is‬
‭important to have it here too:‬
‭People don’t get rich by having a job, they get rich by owning assets‬
‭(like a business) that generate more money.‬
‭If you look at the richest people on the planet, not one of them made their‬
‭wealth from a job. Even Shaquille O'neal, Rhiana and Doctor Dre made their‬
‭money from businesses, not from sports or music.‬
‭The trick is not to get a higher earning job, but a way to make money while‬
‭you sleep.‬

‭It is good to get a higher paying job, but it is better to find a cash flow‬
‭generating asset. Something that doesn’t require your time. Because you only‬
‭have certain amount of hours in a day.‬
‭Here is where the concept of passive income comes in…‬
‭We will dive deeper into passive income in chapter 6. For now you only need‬
‭to understand‬‭The Not so secret formula to financial‬‭freedom‬‭(it is actually‬
‭an updated version of the formula we saw before).‬
‭FINANCIAL FREEDOM FORMULA:‬
‭PASSIVE INCOME > EXPENSES‬

‭It is this simple. The concept is simple, but implementing it is harder. Passive‬
‭income is never 100% passive and it takes time and hard work to start up. But‬
‭once you get there you are completely free.‬
‭Don’t worry, in the following chapters are how to distribute your income, how‬
‭to start saving and investing in order to increase your chances to create‬
‭sources of passive income.‬
‭The focus here is not to learn how to make more money, but how to manage‬
‭the money you already have.‬

‭I said before there is no bulletproof formula. That is “kind of” true. The safest,‬
‭most secure way to become rich is investing over a long period of time. If you‬
‭stick to constant investing, you are almost guaranteed to become rich.‬
‭START INVESTING AS SOON AS POSSIBLE‬
‭Let me show you this principle with some examples:‬
‭If you invest 100€ per week at 25 years of age at 8% yearly interest :‬
‭By the time you are 65 you will have a whopping‬‭1,296,721.55€‬
‭ rom which 192,000 € came from you and the remaining‬‭1,104,721.55‬

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‭€ came from compound interest over the years.‬
‭If you start 10 years later, at 35, still investing 100€ per week at 8%.‬
‭When you are 65 you will only have‬‭567,045.30‬‭€‬
‭and 144,000.00€ would have come from you. Compound interest would‬
‭be only‬‭423,045.30€‬

‭You can experiment with your own investment calculations using‬‭this link‬‭to calculator.net.‬
‭Therefore:‬
‭The best time to start investing was 10 years ago, the second best time is‬
‭today.‬
‭We will go deeper into this topic when talking about investing in chapter 4.‬
‭Another important wealth principle that is connected is:‬
‭Invest wisely! It is hard to make money but easy to lose it.‬
‭Don’t invest in things you don’t understand or trust. If it sounds too good to be‬
‭true, it probably is.‬
‭If you invest 10k and lose 50%, you have 5k. But for those 5k to become 10k‬
‭again you need to make 100%.‬
‭Be wise, do your homework and be skeptical. Make sure to have a well‬
‭diversified portfolio mixing stocks, bonds, real estate, crypto and other assets.‬
‭Or as more commonly said “don’t put all your eggs in one basket”.‬
‭Again, we will go deeper into investing, risk diversification and risk tolerance in‬
‭chapter 4.‬
‭-------‬
‭If you want to know more about passive income, check out the‬
‭wealth foundations full course. LINK HERE‬
‭----‬

‭Wealth Principle:‬
‭Think long term!‬
‭Rome was not built in one day. Building wealth takes time. wealthy people‬
‭focus on long-term goals and resist the temptation of short-term gains.‬
‭Patience is a key virtue in wealth-building. The best way to become wealthy is‬
‭with safe investments with good returns over time.‬
‭Lastly, this wealth principle we will touch upon now, but go more in depth on‬
‭chapter 7.‬
‭What does being rich mean to you?‬
‭What does your rich life look like? Take a little while to imagine it. What would‬
‭a “perfect day” look like if you already had all the money you wanted?‬
‭How much money do you actually need to do the things you love?‬
‭There’s living a rich life, vs livin a wealthy life. I show you this image because‬
‭it illustrates my point quite well.‬

‭It’s not about how much money you have, but the quality of life you live.‬
‭One thing is having money, another quite different thing is being rich. Having a‬
‭wealthy lifestyle. Money comes and goes, but if you know how to manage‬
‭your finances you will become wealthy. That is done through financial literacy.‬
‭Money is only important up to a certain point. After having enough for your‬
‭basic necessities, for all the lavish spending you want to do, then more money‬
‭won’t make you happier. What will make you happier is more free time so you‬
‭can spend your money doing activities you like.Therfore,‬
‭THE ULTIMATE GOAL:‬
‭FINANCIAL FREEDOM‬
‭WITH FREE TIME‬
‭ ND LOCATION FREEDOM!‬
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‭That’s real wealth. Being able to kick back, sleep in until whichever time you‬
‭want, getting whichever food you want to eat in the restaurant (not looking at‬
‭the price) and not hesitating when ordering starters, taking a spontaneous‬
‭holiday with your partner to a tropical island without a return ticket and‬
‭deciding to leave whenever you feel like you are done exploring and enjoying‬
‭your getaway.‬
‭This may sound like a dream, but it is not so hard to achieve. Once you know‬
‭how much money you need to carry on with your style of living, any extra‬
‭money you make should be used to free up your time so you can do things‬
‭you love.‬

‭The last wealth principle (and one you don’t usually hear from financial‬
‭advisors):‬
‭DONT BE SCARED TO SPEND YOUR MONEY!‬
‭Money by itself is not worth anything. The value of money is what it can do for‬
‭you. If you were stranded on a desert island with 300 Million euros and no‬
‭food, wouldn’t you swap it all so you can live one more day?‬
‭Many wealthy individuals get caught up in the whole money making game that‬
‭they forget to live. How many people do you know that work from sunrise to‬
‭dawn, earn a killing but only take of 5 days per year (leaving them with no time‬
‭to enjoy their money).‬
‭back in my e-com days I met a wealthy 61 year old japanese man at a hotel‬
‭bar in Buenos Aires. I don’t know exactly how much he was worth but you‬
‭could tell it was a lot. We started talking. He said with sad eyes how he was‬
‭going to retire next year. He told me how he’d sent his 3 daughters to private‬
‭school, then to university. How his wife always bought the best clothes, how‬
‭he got to travel a lot of the world.‬
‭Even though he said it with a smile, he wasn’t bragging. I could hear a slight‬
‭tone of remorse in his voice, his eyes looked a bit sad. Hollow. I called him up‬
‭on it and asked if he was happy with how he had lived his life. He said that‬
‭was quite perspective of me. That even though he was going to retire and‬
‭finally have time, he had spent all his life working extremely hard. How he’d‬
‭alway have his work phone near him, even when sleeping he’d wake up, even‬
‭on holidays he’d answer. He admitted he wish he could of had “at least one‬
‭hobby” instead of just working. Not just fancy hotels and white tablecloth‬
‭dinners ordering off menu. I asked him “Sooo, you with you would of maybe‬
‭just retired with less money at likeeee 40?”‬
‭“at 40?” He replied quickly with a light laugh. “Even at 50 would of been great.‬
‭All I have now is money, and im growing old. I feel it already. There are so‬

‭many things I wish I would of done”. To be fair he was in reasonably good‬

‭shape, but still. This conversation stuck with me.‬
‭My whole mentality and what I teach is not how to make money, but how to‬
‭manage your money so that you can spend it guilt free on what you love. How‬
‭can you afford to live a life that you love, to be able to do things that excite‬
‭you.‬
‭I am an advocate for happiness, freedom and love. You can read this on‬‭my‬
‭personal blog‬‭.‬
‭“MAKE YOUR OWN WAY. DO WHAT YOU WANT. SAY WHAT YOU FEEL.‬
‭BE YOURSELF.”‬
‭In the next chapter you will learn how to manage your current income so you‬
‭can start to understand your finances and start enjoying that peace of mind‬
‭that comes with knowledge. That way you too can start living the life of your‬
‭dreams.‬
‭“Every day we waste we will never get back. We MUST live in a way that‬
‭makes us happy. You are the director and star of your film.” Ivan Tornado‬

‭CHAPTER 4 - The structure to build wealth‬‭T‬

‭ ou are about to see the structure I used to build my wealth and the schema‬
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‭that many multi millionair use to distribute their money.‬
‭ t first you might feel frightened, like it is an unattainable goal with your‬
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‭current finances. Or to the contrary, you may think one is wasting too much‬
‭money on one thing or another.‬
‭Do not worry, it will all be made clear afterwards in the variations secession at‬
‭the end of this chapter.‬
‭It is important to note that this income distribution wheel is most applicable for‬
‭people who earn less than 10-12k per month and do not have over 150k in‬
‭savings or investments.‬
‭Also that it is not a strict rule to follow, but a guideline. If you can afford to save‬
‭more, invest more or you feel like you want to spend lavishly, and you have‬
‭the income for it, then by all means please adapt it to your life. We all live‬
‭different lives, with different preferences and priorities. I enjoy spending my‬
‭money on travel, excursions and experiences, others may prefer to spend it‬
‭on extravagant dinners in michelin star restaurants.‬
‭I will never tell you how to spend your money. I only want to educate you on‬
‭the proven structure to construct a strong wealth foundation.‬
‭Lastly, this is only a short guide. If you want to dive deeper into this topic and‬
‭see it’s ramifications I invite you to take the‬‭full‬‭wealth foundations course‬‭or‬
‭have a‬‭1 on 1 consultation call with me‬‭where we can‬‭walk through your‬
‭finances together and create a tailor made plan for you.‬
‭With no further delay, I present to you the ideal income distribution wheel:‬

‭The Ideal Income Distribution Wheel‬
‭ henever you receive money, you should divide it in the following way. We use percentages‬
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‭and assume this is your income after tax to simply the concept.‬
‭50%‬‭NECESSITIES & BASIC UTILITIES‬

‭Rent / Mortgage, Food, Electricity, Water, Clothes‬
‭20%‬‭SAVINGS‬
‭General Savings + Safety Net/ Emergency Fund‬
‭10%‬‭INVESTING‬
‭In at least 8 non correlated sectors‬
‭10%‬‭HEALTH & EDUCATION‬

‭Stay healthy and never stop learning‬
‭10%‬‭LAVISH SPENDING‬
‭Live the life you want to live now !!‬

‭Scary? or not so much?‬
‭ hat is all you need to know to start building your wealth. If you divide your‬
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‭income into these percentages you are guaranteed to build your wealth, your‬
‭health and keep learning.‬
‭Don’t worry. We will go through every section so that there are no confussions.‬
‭NECESSITIES & BASIC UTILITIES‬
‭50%‬
‭ f your total income for your Rent / Mortgage, Food, Electricity, Water,‬
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‭Clothes, Insurance, Interest payments‬
‭ o more than 50% of your total income should be spent on‬

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‭your basic living necessities. You should be able to live‬
‭comfortably using 50% of your income. That is, if you earn 5k, you should be‬
‭able to pay rent (or your mortgage), your bills, groceries (not including‬
‭restaurants & bars), internet, insurance, basic clothes (not luxury clothes),‬
‭petrol, any interest on debt you have and all of your children’s expenses (their‬
‭school, clothes, ect.) with 2.5k. Essentially, the bare necessities to have a roof‬
‭and not starve.‬
I‭f you are spending more than 50% of your income on your basic necessities‬
‭you have overstretched yourself or are being underpaid. This is not ideal for‬
‭growth. As said before, I recommend finding a way to earn more rather than‬
‭moving somewhere cheaper, but if your basic needs exceed 70% of your‬
‭income then consider moving somewhere cheaper. We will talk about this‬
‭more in in the variations section of this chapter.‬
I‭f you are wondering why haven’t I included things like In this section we don’t‬
‭include anything to do with health or education because it is so important it‬
‭has a section of its own. You will find it in the next few pages.‬

‭Now lets look a little deeper into our necessities:‬
‭ ut of the 50% of your total income, you should spit it‬

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‭into 2 parts (roughly 25% of your total income).‬
I‭deally 50% for your house (be in rent or mortgag) and‬

‭the other 50% for all other basic utilities we explained‬
‭above. As a maximum you should be spending 30% on‬
‭your house and 20% on other utilities. Similar to what‬
‭we just said before, if you spend more than 40% only‬
‭to have a roof, you are either living too nicely or not‬
‭making enough.‬
‭ n the other hand, if spending half of your income on your basic necessities‬
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‭seems like way to much (for example, you earn 12k and only spend around 3k‬
‭on basic needs) then good on you!‬
‭You have many options here. This is where you should aim to be!‬
I‭f you have a safety net savings account (this will be explained very soon)‬
‭and are already investing you can for example:‬
‭●‬ ‭Move somewhere nicer, you can afford it. Enjoy your life‬
‭●‬ ‭If you are happy living where you are/ you own your home and don’t pay‬
‭any rent/morgage, then you can double down on investing and saving.‬
‭This will greatly accelerate your path to “the ultimate goal” - financial‬
‭freedom with free time and free location.‬
‭●‬ ‭You can also afford to spend more of your money lavishly on the things‬
‭you love. Take that vacation! Buy yourself that nice bag!‬
‭●‬ ‭Lastly, (what I personally do) a combination of all 3 options above. My‬
‭rent and utilities are significantly below 50%, so each month I invest‬
‭15% instead of 10%, I save 22-25% and the rest I spend doing things I‬
‭love. Don’t be afraid to spend your money! Money is not worth anything‬
‭in itself, money should be used for your enjoyment and comforts.‬
‭ e will go over more variations at the end of thie section.‬

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‭Just to recap:‬
‭n1 rule applied‬

‭ on’t live above your means =‬
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‭Don’t spend more than 50% on your bare necessities.‬
‭SAVINGS‬‭20%‬
‭Long term savings + Saving for opportunities‬
‭ aving is crucial to creating wealth. Saving is literally‬

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‭the difference between living paycheck to paycheck‬
‭and starting to grow your net worth. That’s why in the‬
‭ideal income distribution it takes up 20% of your‬
‭income.‬
‭ or you to save your money you should move it to a‬

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‭separate savings account as soon as you get your money into your bank. That‬
‭way you won’t be tempted to use it. Many banks allow you to do this‬
‭automatically so you don’t even need to think about it.‬
‭ ou should save money at the beginning of each month, not afterwards. If you‬
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‭usually earn 3k and spend 3k (living within your means, but not saving‬
‭anything) it will become fairly easy for you to start living on 2,4k and saving‬
‭that 20%. That 20% will make a big difference in the long term.‬
‭ ore importantly, you shoud split your savings‬

M
‭into two equal subgroups (50% each as shown on‬
‭the pie chart):‬
‭ eneral savings‬
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‭Safety Net savings.‬
‭ afety net savings‬‭are those that give you the‬

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‭most tranquility. You should aim to have 6 months‬
‭to 1 year of savings on your safety net. If you can,‬
‭even more.‬
I‭f you remember my story with my e-com closing‬

‭down, how I had a safety net of slightly over 2 years, and my business partner‬
‭under 4 months. That was because I constantly added to my safety net‬
‭savings account.‬
‭ hy should one keep adding to our safety net savings account even when we‬
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‭have mor than 1 year of savings?‬
‭ ecause when we grow older, our expenses grow higher. You become‬
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‭accustomed to a certain lifestyle, you may have a partner or children to look‬
‭after, so it is always good to keep adding to your safety net savings account.‬

‭ ome people call this account a “f*ck you” savings account, because it gives‬
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‭you the possibility to walk away from anything you don’t want in your life. Be it‬
‭a job you hate, or having to break up with a partner you don’t like anymore, you‬
‭can say f*ck you to them and know you’ll be alright for 6-12 months… Plenty of‬
‭time to find another job or make another business.‬
‭ our‬‭general savings‬‭account is much more simple and‬‭it is what you’ve all‬

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‭heard. They are savings for big things, like a down payment for a house (for an‬
‭investment or to live in), your wedding, sending your kids to university, buying a‬
‭new car ect. It is always good to have savings.‬
‭ hy save 20% and only invest 10%? Specially when you can have liquid assets‬
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‭such as stocks that you can quickly convert to cash if you needed them?‬
‭ ecause you don’t know how the market will be when you need your savings.‬
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‭The market has always recovered, and always grown yes… but if you are in‬
‭need of your savings, and you have it invested in stocks that are down 40% like‬
‭with covid19 or another catastrophe (even if historically they go up 6-8% per‬
‭year in the long run) you are going to be forced to sell at a loss because you‬
‭are not liquid.‬
‭ et me tell you the story of Alex. He invested all his money and kept very few‬
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‭savings in currency. It was 2010 and the real estate buble had just burst open.‬
‭He had lost 3 of his tenants and couldn’t afford to pay all of his houses. He‬
‭was too invested, he had no liquidity to pay for all his properties. He had to sell‬
‭one of his Villas worth 1,5 Million for 650k (Less than half the price) so that‬
‭the banks would not repossess his other properties. Had he kept an‬
‭emergency fund and a general savings account, he wouldn’t have had to sell at‬
‭such a rush and lose hundreds of thousands of euros.‬
‭Liquidity is essential for wealth, and cash is the most liquid asset. It is okay to‬
‭lose a little bit to inflation every year in order to have peace of mind. Some of‬
‭your income you should invest, others you should simply save!‬
‭Never underestimate saving. Having a bit of cash in hand can make wonders.‬

‭10%‬‭INVESTING‬
I‭nvest consistently and throught time. In at least 8 non‬
‭correlated sectors to diversificate risk.‬
‭ irstly, this is not financial advice, but financial‬

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‭education. I am teaching you how to manage your‬
‭money for you to grow wealth. I am not advicing‬
‭you to buy any stocks in particular. I will be telling‬
‭you how I invest my money, but do your own research before you invest.‬
I‭nvesting is when you use your money to buy assets that have the potential to‬
‭grow in value over time, like stocks, real estate, crypto, bonds or businesses.‬
‭The goal is to make your money work for you and generate returns, such as‬
‭profits or income, rather than just keeping it in a savings account. It's a way to‬
‭build wealth for the future.‬
‭ ou should invest 10% of your income straight away every‬

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‭time you get money in your bank account‬‭.‬
‭ s we saw in Chapter 3, the easiest way to become a millionair is to invest‬
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‭investing early and consistently throughout many years.‬
‭The main problem people have with investing is:‬
“‭ I don’t know how. I am not educated in finances, I wouldn’t know what to‬
‭invest in”.‬
‭ hat’s a fair enough point. On the how, there are many investment platforms‬
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‭that allow you to transfer money or pay with credit card and then you can‬
‭chose from their large list of stocks.‬
‭ s to “what should I invest in”, the easiest and safest is to put your money on‬
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‭the S&P 500 or S&P Europe350. Those are the list of the 500 biggest‬
‭companies in the US, and the 350 biggest companies in the EU. You can find‬
‭those indexes in almost all investment platforms.‬
‭ ersonally I use‬‭Etoro‬‭for my stocks (this is not‬‭an affiliate link). They have‬

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‭very low fees, it is super easy to use, and they have something called “copy‬
‭trading”. This feature is super cool, which basically allows you to copy‬
‭someone elses trades so you don’t have to do anything.‬
‭Thanks to them, I have some of my money being managed by Berkshire‬

‭ athaway (Warren Buffett’s company - He is famously the most successful‬

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‭investor of all time).‬
‭ hey also let you invest in automatic portfolios managed by professional in‬
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‭many industries. Personally I have money in their smart portfolios in the‬
‭gaming industry, divabeted med, dirverless cars tech, big tech and european‬
‭economy.‬
‭The second biggest concern people have with investing is:‬
‭“Can I not lose my money?”‬
‭ es, if you sell your stocks. But as long as you hold it (even when it is down)‬
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‭then you never lose. Specially if you diversify your investments in uncorrelated‬
‭industries. It is recommended that you should diversify your investments in at‬
‭least 8 industries.‬
‭For example,‬
‭1.‬ ‭Technology stocks‬
‭2.‬ ‭Farmaseutical stocks‬
‭3.‬ ‭Energy company stocks‬
‭4.‬ ‭Food and every day goods stocks‬
‭5.‬ ‭Crypto‬
‭6.‬ ‭Real estate‬
‭7.‬ ‭Start ups‬
‭8.‬ ‭Peer to peer lending‬
‭9.‬ ‭Government bonds‬
I‭f you diversify across different industries, and chose a couple companies in‬
‭each one, then your portfolio is diversified and you have reduced your risk‬
‭quite a lot.‬
‭ he easiest‬
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‭It is best to invest consistently even when the market is going down!‬
‭*Remember the market always recovers. It recovered after the great‬
‭depression, after the world wars, after covid. If the stock market doesn’t‬
‭recover, its because some major shit (like a zombia apocalypse) has gone‬
‭down and then you will have bigger problems to think about than having lost‬
‭your money.‬
I‭f we look at how the market has behaved, the longer the time frame we can‬
‭see that it has always gone up.‬
‭●‬ ‭10 Years (2012 – 2022): 12.74% annual return‬

‭‬ 2
● ‭ 0 Years (2002 – 2022): 8.14% annual return‬
‭ good benchmark to have is that the market goes up 10% yearly. If we adjust‬
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‭is to inflation, that turns out to be around 7-8% annual growth (that’s why in the‬
‭examples in chapter 3 we used 8% growth).‬
‭ nother common myth that should be debunked in chapter 2, but I desieded to‬
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‭add it here:‬
“‭ I can time the market to make the best investment decision”. - Somewhat‬
‭true.‬‭I would advice against it unless you really‬‭know what you are doing and‬
‭you have enough funds to wait it out (it could be years).‬
‭ here are ways in which you can “time the market” for you to make more‬
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‭money, but that should not be your main investing strategy. If you decide to do‬
‭this, it should be with some of the money from your general savings when the‬
‭market is going down.‬
‭ es, you should always go against the current, and when the market is going‬
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‭down, you buy and wait for the market to recover. Then you sell and and just‬
‭keep your regular investments.‬
‭This carries more risk.‬
I‭f you don’t feel confident investing it is safer to simply invest consistently 10%‬
‭of your income into the S&P500 and S&P Europe100.‬
‭ here are infinite strategies for investing and many cool tips and tricks you‬
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‭can do.‬‭On the wealth foundations course you we dig‬‭much deeper into the‬
‭profundities investing and its ramifications. I even show you step by step how‬
‭to open your investing account and how to do your first investment.‬
‭ hat I want to teach you are the money habits and how to manage your‬
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‭money. I want you to get into the habit of investing constantly. 10% minimum.‬
‭If you can afford to invest more, then great! You can stop working earlier‬
‭(more on this in chapter 7)‬
‭ factor that must be mentioned with investing is risk. Everyone has different‬
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‭risk tolerance levels. Your investments will usually reflect your appetite for‬
‭risk. The more risk, usually the higher the return.‬


‭10%‬‭HEALTH & EDUCATION‬

‭Stay healthy and never stop learning‬
“‭ Treat your body as a house in which you will in in for‬

‭the next 60 years.”‬
‭“If you are not learning, you are falling behind”.‬
‭ his fraction of spending is somewhat ambiguous and‬

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‭I have been bombarded with questions. 10% of your whole income to health‬
‭and education? For many it seems like too much, and for others in seems like‬
‭not enough.‬
‭Again, this is a guideline, but I don’t think‬
I‭n the health section we would include costs such as gym memberships,‬
‭personal trainers, nutritionists, massages, psycologist (also an important part‬
‭of health), health retreats, food supplements, sport and workout equipment,‬
‭beauticians, ect.‬
‭ n the education section we add costs like books, courses, conferences, 1 on‬
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‭1 coaching, mentoriships, learning subscriptions, personal teachers, programs‬
‭for learning and developing our skills, mindfulness getaways, networking‬
‭events, subscriptions to data groups, ect.‬

‭SOME EXPLANATION HERE‬
‭10%‬‭LAVISH SPENDING‬
‭Live the life you want to live now !!‬
‭SOME EXPLANATION HERE‬
‭ ARIATIONS‬
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‭How to make the ideal income distribution‬
‭apply to you?‬

‭CHAPTER 5 - Keeping track & Budgeting -‬

‭Applied exercises to mantain and grow your wealth - the mechanics 2‬
‭Section #4: MAINTENANCE‬

‭This chapter should help the reader address the problems they might face after they start implementing the steps‬
‭inside this ebook. Walk them through the potential roadblocks, and provide easy and actionable ways to prevent‬
‭those roadblocks from keeping the reader from the desired long-term result. Build confidence and hope in the‬
‭reader, motivating them to take action right away.‬
‭OK, now we will learn how to keep track of our money.‬
‭Like I said it is extremely easy and free. I still to this day keep a record of my‬
‭personal finances on a google sheets page.‬
‭I have a few different tabs, but you only really need 2:‬
‭1)‬ ‭Income & Expenses‬

‭2)‬ ‭Net worth‬
‭This is all you need to do in each one. At the beginning of each month (I like to‬
‭do this on the first Monday of each month.‬

‭CHAPTER 6 - ENTREPRENEURSHIP AS A‬
‭MEANS OF FREEDOM -‬
‭CREATING SOURCES OF PASSIVE INCOME & quitting your job - Maintenance‬
‭Section #5: TROUBLESHOOTING‬
‭This chapter should go over common FAQs the reader will have as they go through this ebook. These FAQs and‬
‭answers to them should help them start implementing the steps inside this ebook ASAP.‬
‭Passive income is money earned with little to no ongoing effort or active‬

‭involvement. It's income generated from assets you own, like investments or rental‬
‭properties, that don't require constant attention or time investment once set up.‬
‭Essentially, it's money earned while you're not actively working for it.‬

‭CHAPTER 7‬‭-‬‭WHERE MONEY DOESN'T‬

‭MATTER ANYMORE -‬
‭How to spend your time - Trouble shooting? Or more maintanance‬
‭Section #6: CONCLUSION‬
‭This chapter should summarize everything the reader just learned, and reenforce the benefits they will‬
‭experience if they take action right now. It should end by building confidence and hope in the reader, motivating‬
‭them to take action right away.‬
‭One gets rich by taking big risks with little money. One stays rich by taking little risks‬
‭with a lot of money.‬
‭Insurance !‬
‭-------------------------‬

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‭Wealth Building Mastery Guide‬

‭CHAPTER 2 - the goal & mentality - Myth busting.‬‭DONE - might need‬

‭CHAPTER 3 - THE WEALTH PRINCIPLES‬‭Done QUITE HAPPY NOW‬

‭CHAPTER 4 - The structure to build wealth - Principles of personal finance - the‬

‭CHAPTER 6 - ENTREPRENEURSHIP AS A MEANS OF FREEDOM - CREATING‬

‭CHAPTER 7‬‭-‬‭WHERE MONEY DOESN'T MATTER ANYMORE - How to spend‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭This course is for you if‬

‭If looking at your bank account scares you.‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭ o incorporate a method to stop living paycheck to paycheck, and actually start‬

‭Well, you are at the right place.‬

I‭magine 12 months from now‬

‭Well that is where we are heading.‬

‭I’ve been a digital nomad for the past 4 years.‬

I‭ decided to write this little guide because people‬

‭ he answer is easy. I have my finances in order‬

‭Let me tell you my story….‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

I‭ had a smooth transition from employee at an insurance company, to‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭ ere is where I realized how valuable my knowledge in personal finance‬

‭ hen I realized… He had no financial education. He had never learned‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

(‭ specially for our age). We were moving hundreds of thousands of dollars‬

‭That’s when I started teaching personal finance.‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭financial foundation and start to accumulate wealth.‬

‭Imagine not ever having to worry about financial planning again.‬

‭You will learn how to distribute your income‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭ ow much to save - and how to build an emergency fund‬

‭and lastly… the famous formula to financial freedom.‬

‭“promise is good, but it must be accompanied with follow though”.‬

‭So let's start constructing the foundations to your wealthy life.‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭CHATPER 2 - the goal & mentality - Myth busting.‬

‭WHAT IS PERSONAL FINANCE?‬

‭The first huge myth we have to debunk is that:‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭“Personal finance is hard. You have to be extremely smart to manage‬

‭Just to clarify, the concepts of personal finance are easy, but‬

‭Another common myth:‬

‭“I’m too young to start saving for retirement” - FALSE!‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭Disclaimer:‬‭You will not learn here how to make more‬‭money.‬

‭Another huge myth for growing wealth is:‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭I cannot stress enough how important it is to become financially literate.‬

‭It is our responsibility to learn about money.‬

‭Following the principles in this guide and keeping a record of your‬

‭Horrible myth people believe:‬

‭ I don't need an emergency fund; I have credit cards.” --- SO‬

I‭t is always better to have an emergency fund. Relying solely on credit‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭Why is it called wealth building? Why do I teach “the wealth foundations”‬

‭Time is the best way to make money grow‬‭. Through savings‬‭and‬

‭INSERT HERE 2 OR 3 QUOTES FROM PEOPLE WHO HAVE TAKEN‬

‭Find the‬‭The Wealth Foundations Course‬‭here‬

‭QUOTE 1 - IVAN’S WEALTH FOUNDATIONS COURSE IS AWESOME‬

‭QUPTE 2 - AFTER A FEW SESSIONS WITH IVAN I FINALLY‬

‭A big worry people have: “Looking at my personal finances is scary!” Well‬

‭ANTOHER QUOTE TO WRITE “Now that I got my finances in order I sleep‬