Discover how to fight low energy from the moment you wake up. Learn the blueprint to feeling energetic and ready to dominate the entire day. Do this tomorrow morning for tons of energy.

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Low Energy? Do This Tomorrow Morning

✅ How do I get more energy? I’m always tired and exhausted and I feel like I’m on a treadmill that keeps going faster. How do I fight the low energy feeling as soon as my alarm clock starts screaming in my ear to wake up?! Don’t worry I’m going to show you how to fight low energy from the jump and give you the blueprint to feeling energetic and ready to dominate the entire day. I’ve watched and learned from the most successful and celebrated people in the world and I realized that what sets them apart are their daily routines and habits. Specifically, in the morning.

✅ Kevin Hart seems to have energy that never quits. So how does he do it? He has a consistent morning routine designed to produce the energy he needs for his crazy ambitious schedule. Before many of us are even awake Kevin Hart has already hit three anchoring rituals in his morning routine.

✨ Wake up early

✨ Eat a healthy breakfast

✨ Get in a great workout

✅ Rihanna is a very busy and ambitious woman, so how does she find the energy for all of this? According to Rihanna it all starts with her daily routine and habits. In other words there are three key rituals that anchor her morning routine.

✨ Wake up early

✨ Eat a healthy breakfast

✨ Workout.

✅ Dwayne Johnson, The Rock, is arguably the hardest working person in entertainment. Clearly there isn’t an issue with low energy but that’s not because it’s gifted to him, but rather it’s a result of his morning routine. Again the same pattern emerges, so if you’re ready to fight low energy then do this tomorrow morning.

✨ Wake up early

✨ Eat healthy

✨ Work out

✅ My morning routine looks like this and I’ve broken it down into 4 key anchors.

✨ First I wake up one hour earlier than I “have to,” which is 5:30am.

✨ Second, I work out for at least 20 minutes.

✨ Third, I do what I like to call a gratitude prayer for 3 minutes. This is where I dedicate time to thank God for anything that pops into my head that I’m grateful for. It could be anything at all, big or small, and I do this because it puts me into a really positive head space which I find to be very energizing.

✨ Fourth, I drink my breakfast which is a really healthy smoothie I mix in the Nutribullet. It’s a plant based powerhouse of mixed greens, frozen fruit, nuts, seeds, soy milk and water.

✅ The bottom line is to set up rituals and routines in the morning that get your mind, body and spirit ready to conquer the day. After that, you’ll be unstoppable.

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Discover how to stick with your budget and learn exactly what you need to succeed. Find out the key ingredients successful people use to stay disciplined. This is budget discipline that actually works.

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Budget Discipline That Actually Works

✅ OK, so I made a budget but how do I stick with it? What’s the budget discipline that actually works? Don’t worry I’m going to show you how to stick with your budget and give you exactly what you need to succeed. I’ve done the research on budgeting and discovered the key ingredients successful people use to stay disciplined. The best part is that this stuff actually works.

✅ Pro tip number one. Create your monthly budget before you get paid. In other words don’t react to your paycheck arriving to start creating your budget. Instead know how much money is coming into your bank account and when it’s going to hit, so that you already have a plan in place.

✅ Pro tip number two. Set up regular check-ins. Open up your Google calendar and set up meetings to ensure you’re on track. These meetings can be mid-month, weekly, or whatever works for you. And be sure to include anyone else in your household that impacts the budget.

✅ Pro tip number three. Automate as much as possible. It’s never been easier to move money around on autopilot with the features offered at most online brokerages and banks. Utilize the automatic withdrawal feature to move money from one account to another. Then use the automatic investment feature to invest your money on autopilot. Set it up once and run it forever.

✅ Pro tip number four. Set up credit card alerts. A great way to stay on track is to set up automatic alerts that either text or email you when you’ve spent a certain dollar amount. This takes the onus off of you to check your recent transactions and instead puts it on the credit card provider to notify you when you’ve spend 500 bucks, a thousand bucks, or whatever threshold you decide.

✅ Now if you’re one of those people out there that have already tried these tactics and you’re still having trouble sticking to a budget, stick with me for the next 30 seconds as I show you some next level strategy.

✅ First of all, set the standard. This works for anything in your life, not just budgeting. If you set a high standard for something you will become that or achieve that goal. If you tell yourself I have a budget, I stick with my budget and I am a person who has budget discipline then it will be real.

✅ And after you set high standards you need to understand why you’re budgeting in the first place. If it’s a vague and unimportant reason like I want a million dollars you’re going to have to dig deeper than that. Maybe you want to take your family on a Disney vacation while your kids are still young; maybe you want to surprise your fiancé with a new car with a big red bow on it like in the commercials, or maybe you just want to eat at the really nice restaurant once a month to connect with the people you love and have quality time.

✅ Whatever the reason is; know your why. It will help you tremendously with budget discipline that actually works.

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Discover the easiest budget you can start using right away. Learn how to budget using the pay yourself first method.

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Easiest Budget Method

✅ How do I make a budget that is so easy I can do in on the back of a napkin in just a few minutes? Don’t worry I’m going to show the easiest budget method you can start using right away. I did the research on every possible budgeting method in order to find the easiest one for super busy people that don’t have time to waste on the small details that don’t really matter in the grand scheme of things.

✅ The pay yourself first method is really simple. The idea is to decide how much of your monthly income you want to dedicate to saving and investing for your future goals, and how much you want to dedicate to getting out of debt. The rest you just spend freely as you wish.

✅ This is by far the easiest budget method and it also happens to be my personal favorite for three reasons.

✨ First of all, it’s really fast and in today’s world where it seems like time is going by at ten times the speed that it used to that’s really important. I mean seriously, you just make two decisions and you’re done budgeting. Move on with living life, and at the end of the day isn’t that what really matters?

✨ Second, the pay yourself first method puts the priority on saving and investing for your future. This is the biggest area that people usually forget about but it’s the most important for building wealth.

✨ Third, the pay yourself first method puts the second priority on getting out of debt.

✅ Quick Example: Here’s Lester the Investor to demonstrate exactly how easy this budget really is. Lester makes $3,500 per month.

✨ In step 1, Lester decides to dedicate $1,000 to saving and investing for his future and big money goals.

✨ In step 2, Lester makes the decision to dedicate $500 each month to getting out of debt.

✨ That leaves the remaining $2,000 for Lester to spend however he wants.

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Discover the most accurate budget you can start using right away. Learn how to budget using the zero based budget.

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How to Budget | Most Accurate

✅ How do I make a budget that is so accurate I’m going to know where every single dollar is going before my paycheck even hits my bank account? Don’t worry I’m going to show the most accurate budget you can start using right away. I did the research on every possible budgeting method in order to find the best one for analytical people that really want to get into the details.

✅ The idea behind a zero based budget is simple. Money in minus money out must equal zero. By using this budget method you are creating a plan for every single dollar.

✅ Quick Example: Xavier the saver is here to demonstrate how to put together a zero based budget.

✨Step one; write down your monthly income. Xavier’s is $4,000

✨Step two; write down all your monthly expenses. These include your necessities, plus all the stuff you want, and finally your financial stuff (like saving, debt payments, and investing) • Food - $500 • Mortgage - $1,725 • Utilities - $300 • Transportation - $100 • Clothing - $50 • Netflix - $10 • Disney+ - $10 • SiriusXM - $5 • Date nights - $100 • Amazon - $30 • Car payment - $300 • Roth IRA - $100 • Donation to charity - $20 • Student loans - $100 • Emergency fund - $100 • Vacation fund - $500 • Mani Pedi - $50

✨Xavier’s expenses total $4,000 which leads us into step 3. Make sure that the income minus the expenses net to zero. And they do. Boom!

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Discover the most beginner friendly budget you can start using right away. Learn how to budget using the 50/30/20 rule.

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How to Budget | Beginner Friendly

✅How do I make a budget if I’ve never done this before? Don’t worry I’m going to show the most beginner friendly budget you can start using right away. I did the research on every possible budgeting method in order to find the best one for beginners.

✅ At the end of the day budgeting is important because it helps you be good with money. Think about it for a minute. If you don’t have an organized system for tracking your spending, then you’re probably going to spend too much in the wrong places and not have enough for some really important stuff.

✅ But if you’re a beginner then the best way to make a budget is to use the 50/30/20 rule. The 50/30/20 rule is simple because it divides your monthly income into 3 sections. 50%, 30% and 20%.

✅ The first section is reserved for you to spend 50% of your income on necessities.

✅ The second section is the fun stuff because these are the things you want. With this budget method you’ll have 30% of your income to spend on this category.

✅ The third and final section is reserved for you to save or invest 20% of your income.

✅ So by using the 50/30/20 method you’ll be ahead of the game because you won’t have to stress when an emergency pops up or about how you’re going to survive in retirement.

✅ Quick Example: In the next 30 seconds Boomer the Consumer is going to show you how to budget as a beginner using this method. So Boomer makes $5,000 per month.

✨ Using the calculator on his phone he does $5,000 x .5 = $2,500. This goes in his 50% category for needs.

✨ Next he does $5,000 x .3 = $1,500. This goes in his 30% category for wants.

✨ And last he does $5,000 x .2 = $1,000. This goes in his 20% category for saving and investing. Boom!

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One simple thought to change your money mindset is to think of your income as your employees. So if you’re going to make $5,000 this month, I want you to think about having 5,000 employees ready to work for you.

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Train Your Brain To Make More Money

✅Did you know that our brains are biologically hard wired to spend money?

✅ To solve this problem you need to think of your income as your employees. Think of every single dollar in your paycheck as an employee that works for you.

✨Investing is putting your employees to work for you

✨Saving is giving your employees unlimited vacation

✨Spending is firing your employees

✅ Your spending becomes someone else’s income

✅ A subtle shift in how we view our income can drastically increase the likelihood that we keep what we earn, and make more money. Train your brain to view your income as your employees, and put them to work by investing.

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Learn what real estate investing is, why you want to invest in real estate, plus the easiest and best way to do it. Easy real estate investing for beginners!

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Easy Real Estate Investing for Beginners

✅What is Real Estate Investing?

✨ Owning property for cash flow, appreciation, or both

✨ Can be active (landlord) or passive (REIT)

✨ Foreign equity investing

✅Why Invest in Real Estate?

✨ Cash flow = When the rent payments you collect are greater than the expenses of operating the property

✨ Appreciation = When the value of the property goes up

✨ Diversify assets

✅How to Invest in Real Estate?

✨ Active = Buy real property and operate a hands on business as a landlord

✨ Passive = Invest in REITs (real estate investment trusts)

✨ Vanguard Real Estate Index Fund (VNQ)

✨ Fidelity Real Estate Index Fund (FSRNX)

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Learn what it means to invest outside of the US, why you want to invest internationally, plus the easiest and best way to do it. Easy international investing for beginners!

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Easy International Investing for Beginners

✅What is International Investing?

✨ Investing outside of the US

✨ Developed & Emerging Markets

✨ Foreign equity investing

✅Why Invest Internationally?

✨ Lower overall portfolio risk

✨ Diversify

✨ Growth

✨ Income

✅How to Invest in Internationally?

✨ Index fund

✨ Fidelity ZERO International Index Fund, symbol FZILX

✨ Vanguard Total International Stock Index Fund, symbol VGTSX

✨ 10-20% of total portfolio

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Learn what commodities are, why you want to invest in them, plus the easiest and best way to do it. Easy commodities investing for beginners!

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Easy Commodities Investing for Beginners

✅What are Commodities?

✨ Materials used in production

✨ Have the same value no matter where they come from

✨ Oil, corn, copper, wheat, cattle, coffee, silver, etc.

✨ Raw materials, agricultural products & precious metals (among other things)

✅Why Invest in Commodities?

✨ Lower overall portfolio risk

✨ Diversify

✨ Economic growth

✨ Inflation rising

✅How to Invest in Commodities?

✨ ETF

✨ Tracks the broad commodities market

✨ PDBC or COMT

✨ 5% of total portfolio

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Learn why you want to invest in gold, plus the easiest and best way to invest in gold. Easy gold investing for beginners!

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Easy Gold Investing for Beginners

✅What is Gold?

✨ A precious metal

✨ A commodity

✨ A reserve asset

✅Why Invest in Gold?

✨ Lower overall portfolio risk

✨ Safe haven asset

✨ Diversify

✨ Economic growth

✨ Inflation rising

✅How to Invest in Gold?

✨ ETF

✨ Passively tracks the entire gold market

✨ GLD or IAU

✨ 5% of total portfolio

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