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Season 2 Episode #31 Not Me, But You! Podcast 

The secret to financial success? Refuse to give up. Take action consistently. You can get rich SLOWLY! Don't underestimate how investing a small amount of money, consistently, can lead to you having a huge pile of money! But you need to get started! Take the first step, even if you are fearful, even if you are unsure. It's OK to make mistakes. Learn from them 

What do wealthy people do? They buy/hold assets. What are assets? They are real estate, stocks, crypto, precious metals etc. 

Our approach to success is simple. Have courage today, pick one thing, work on your dreams. Do that every day and you WILL become successful. 

Think about your money like your money is your employees. You have to manage your "employees" (in my country, dollars -USD) in order to get them to perform best. Put your "employees" (fiat money) in situations where IT can perform best for you! Buy/hold assets. Only buy high yield dividend stocks when you are starting out. Dividend stocks pay you cash flow. You can use the cash to do other things with. Cash flowing toward you gives you options. 

Don't expect to one day have success and zero problems. The path to wealth if full of problems/obstacles. Our job is find creative solutions to overcome problems and achieve success. 

When buying dividend stocks pay less attention to increases/decreases in the share price. Focus on what the dividend yield is and focus on the dividend history. If the price per share falls, and it's still paying you dividends consistently, then BUY MORE! 

Prices will continue to rise in the future. So find investments that pay an ROI that outpaces the true rate of inflation (8% per year). So find investments that pay you MORE than 8% per year. 

Knowledge is POTENTIAL power. The knowledge only benefits you if you choose to take action. We have to ACT upon the knowledge that we gain in order for the knowledge to benefit us. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2 episode #30 of Not Me, But You! How do you think about money? 

If you are not wealthy and want to be wealthy one day, then how you think about money will affect your results. Do wealthy focus on buying things or assets? 

Many successful investors do the opposite of the herd. When the herd is panic selling, successful investors are often buying. And the opposite is also true. The Contrarian approach. 

There is a psychological component to investing. The most successful investors learn to manage emotions and tend to not get discouraged by news/predictions. Having conviction/belief in your investments choices may be more important than being swayed by news reports. There will always be news. There will always be people making predictions. That doesn't mean that they will be correct in their predictions. Remember that predictions are like opinions. Many people have them. The "proof" is in the results. 

Most of our obstacles in life, are self imposed. Which means that if we "re-train" our brains, then we can overcome those obstacles and turn them into strengths. 

Simply getting started can be the single most important step. Stop researching and take action. Get started and don't be afraid of failure. Failing is not the worst possible thing that can happen to you life! 

Learning how to build cash flow may be more important than simply investing for growth. We all need cash flow. When you having income each month, then you can decide how to spend/invest that money. Having income gives you options and choices. 

What are assets to buy/hold? Bitcoin. Stocks. Real Estate. Do these assets contain risk? Yes they do. But "playing it safe" will likely not make you wealthy! So learn to accept SOME risk. Your dividend stocks are like "dairy cows." Each share of stock represents one cow. Make it your goal to constantly accumulate shares of dividend stocks ("cows"). Keep buying "cows" each month! That will ultimately bring you more cash (income) each month/quarter. 

It takes courage to become a successful investor. Give yourself the freedom in life to learn and make adjustments. Don't think that you need to get things perfect or having a perfect plan BEFORE you start investing. Simply start. And know that it's OK if you decide to alter the plan as you move forward and learn more. 

Expect yourself to be successful, BEFORE you ever get started. Picture yourself BEING successful before it ever happens. Each small win will carry you to the next small win etc. Soon you will have a string of small successes. That is what the path to wealth looks like. Not winning the lottery where you get life changing money in 24 hours. 

Find an asset to buy/hold today! That can the beginning of your journey. Stop researching. Jump in. Get started. 

Have courage today, to pick one thing, and work on your dreams! 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2   Episode #29 of Not Me, But You! Podcast. 

20 plus minutes on Solan cryptocurrency. As always, we need to buy/hold assets. This is what rich, wealthy people do. By buying/holding assets, we actually benefit from inflation. 

If you're looking for growth AND can tolerate risk/volatility, then Bitcoin is the best performing asset on the planet. Solana may be a close 2nd in terms of it's potential for future growth. And due it's current price (cost). I believe buying Solana even now, in 2025, it is an UNDERvalued asset. 

Meme coins such as Bonk and Pepe will also likely do well in 2025. There is potential there, to make money (profit) from these coins. Bonk is a meme coin that is BUILT on the Solana network. 

Think of wherever you buy the crypto as "the exchange." Where you buy crypto is like an on/off ramp to a highway. I don't usually leave my purchased coins on "the exchange." On a schedule (weekly or monthly) I move the coins to either a digital software wallet (like Coinbase Wallet etc. Also known as a "hot wallet."). Or I move the coins to a "cold storage device" such as Tangem (credit card like wallet) or Ledger thumb drive device (also known as a "cold storage device.") In general, cold storage devices (wallets) are considered a safer place to store coins than in a hot wallet (software wallet). The Phantom wallet can be used to swap for other coins INSIDE of the Phantom wallet. Swapping, inside of a Phantom wallet is an easy and inexpensive way to purchase other coins, easily and quickly. 

Current price of Solana? The price is hovering around $200 per coin. It was as inexpensive as $9 or $10 per coin just a few years ago. Remember that when we talk about "investing" in crypto coins, we are often assuming a 4 year time frame. Why? Because Bitcoin usually moves in a 4 year price cycle. See some of my other podcast episodes where I explain in detail the 4 year Bitcoin cycle. 

Many people are predicting that Solana could go as high as $1,000 per coin by December 2025. Will that happen? I have no idea. But what if it doesn't? What if it goes as high as $500 per coin? If you were dollar cost average buying small amounts of it, over time, you would likely more than double your money, if you started buying today (at a cost of $200/coin). 

In November of 2022 Solana was around $14. By December 31, 2022 Solana was under $10/coin. January 2023 to October 2023 the price of Solana stayed flat at around $24/coin. By December 25, 2023 the price of Solana had risen to $112/coin! If you had invested $1,000 since 2022, one time, you could have turned that $1,000 into $25,00 in about 2 years! That's a phenomenal investment. That's a phenomenal ROI (return on investment). And to have an opportunity to turn $1K into $25K in less than 3 years, that's astounding in the world of investment. Again none of these types of results are guaranteed. Investing in crypto currently is very risky! But it's a calculated risk. It's not the same as straight up gambling. 

Have courage today, to pick one thing, and work on your dreams. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2 Episode #28 of Not Me, But You! Podcast. 

Can you afford to be ignorant about Bitcoin? Super wealthy people can certainly afford to ignore Bitcoin. Some people who CAN afford to be ignorant about Bitcoin: Donald Trump, Dave Ramsey, Warren Buffet. 

Ironically, Michael Saylor who is a huge proponent of Bitcoin today, was once a critic of Bitcoin! But I presume he did his own study/research and then gained a better understanding of Bitcoin and eventually switched his opinion to supporting Bitcoin. 

Ironically, Donald Trump was critical of Bitcoin during his first presidency. Now he is proponent of it. Things can change in life. 

Charles Schwab is my favorite platform/app to buy/sell stocks on. I buy/hold high yielding dividend stocks. I buy/sell for profit growth stocks. At Charles Schwab I find their phone app and desktop computer version easy to use. Also, Charles Schwab has excellent customer service. I can actually get a live human on the phone easily and they are extremely knowledgable and helpful. That has been my experience. 

If you want to be able to afford to retire, then you need to have cash flow. Once you are retired, you need increasing cash flow in order to afford to remain retired. Lunch for 3 people, right now in 2025, costs $60 to $70 for 3 hamburgers with one side and a drink! How much will three burgers cost in 10 years? In 15 years? Get the idea? 

Buy/holding assets puts us in a position to benefit from inflation! What is the best performing asset on the planet? Answer: Bitcoin! 

Dollar Cost Average (DCA) into Bitcoin. DCA into high yield dividend stocks (stocks that pay a yield of 15% or higher!). DCA into growth stocks (the names you already know: Apple, Google, Amazon, Microsoft, etc). 

Try investing in companies that actually hold Bitcoin on their company balance sheet, like MSTR for instance. MSTR is Microstrategies and that is Michael Saylor's company. It is publicly traded on the USA stock market. Go check out the growth of  MSTR. You will be impressed. I believe MSTR will one day, be worth $2,000/share. So I buy/hold it. 

Treat your dividend stocks like dairy cows. Make it your goal to be the biggest dairy farmer around. Keep buying more "cows" (i.e. shares of high yield dividend stocks). 

What is Blackrock's most successful ETF ever? Answer: The Bitcoin Spot ETF. Interesting. Perhaps you should look deeper into this Bitcoin thing! 

How does Bitcoin differ from fiat currency. The amount of Bitcoin which will be available is capped. It's a set amount. The amount of fiat money any government on the planet can "print" is INFINITE! Think about that concept. It is why we have inflation and why prices have to RISE over time. Prices are headed one way, and that direction is UP!

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2, Episode #27 Not Me, But You! 



Review of finance, investing and how many of us don't learn in school how to become wealthy.  But if you have an internet connection, you can learn all that you need to know, in order to retire wealthy. 

Most jobs don't pay the employee a pension when they retire (a guaranteed dollar amount each month, otherwise known as "cash flow"). But if you won't require with a pension, there is hope for you. I may have a solution for you. On your own, you can invest into high yield dividend stocks which will pay you cash flow on a schedule (every month or every 3 months). 

Remember that wealthy people buy assets, poor people buy things. We can all retrain our brains to buy/hold assets. Look to acquire new assets. 

And with all your successful investing, don't forget to also invest in yourself and exercise/diet to that you can enjoy your wealth and be healthy when you no longer need to go to a traditional job. 

If you like growth stocks like Microsoft and you can't afford to buy a whole share for $400 or more per share, then buy a "slice" of that stock for as little as #10. My favorite platform to buy/sell stocks is Charles Schwab. You can buy "Schwab Slice" which is a portion of a whole share of stock. 

You can also do the same thing with Bitcoin, Ethereum, Solana etc. You don't have to purchase a whole coin. You can buy "a slice" of each coin. And with crypto you can invest $2 at a time if you wish. 

Options. Selling cash secured puts on stock that you wouldn't mind owning anyway, is a strategy for you to potentially acquire your favorite stock at a discount price. Plus selling cash secured puts, generates "a premium" which means you are paid money right away, at the time you execute the trade! Another way to create cash flow! But doing this is a more advanced strategy. You can do options also at Charles Schwab or at Robinhood. But you need to have enough cash to purchase 100 shares of the stock is you are assigned 

One of the smartest things we can do, is to have a Roth IRA. Why? Because the money grows TAX EXEMPT, meaning you pay ZERO tax on the money you withdraw if you meet two conditions: 1) are you age 59 1/2 or older? 2) have you had the Roth IRA account open for at least 5 years? 

You can also buy Bitcoin using the Cash App. It will take you 2 minutes or less. Bitcoin is the best performing growth asset on the planet. But you need to buy/hold it for 4 years or more to get the benefit. 

Food prep your own meals at home. It takes time but you will end up eating much healthier and you will save money. The money you save, you can use to buy/hold more assets! 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2 Episode #26 of Not Me, But You! 


Bitcoin Strategic Reserves. What does this mean? If the USA starts to accumulate Bitcoin on a schedule, then that could trigger the price of Bitcoin to rise significantly. Things to consider in 2025 that have not been present in any other 4 year Bitcoin cycle: 1) Potential for Trump to initiate a Bitcoin Strategic Reserve, 2) Blackrock is selling the spot Bitcoin ETF. 3) We have never had a pro-Bitcoin political administration before. 

In order to gain from the above mentioned conditions, you have to own/hold some Bitcoin. You can buy "slices" of a whole Bitcoin using your phone. Have you heard of Michael Saylor? Initially, Michael Saylor was a critic of Bitcoin. Now he is one of the most influential supporters of Bitcoin. You may want to ask yourself, "Why is a billionaire buying so much Bitcoin consistently?" 

If you are already super wealthy, then you can probably afford to be ignorant about Bitcoin. If you are NOT already super wealthy, then perhaps, you should investigate Bitcoin. 

My favorite trading platform for stocks is Charles Schwab. Buy some "Schwab slices" of any stock in the S/P 500! Coincidentally, you can also busy "slices" of Bitcoin on your phone. 

Dave Ramsey is a critic of Bitcoin. But his estimated net works is somewhere in the 250 million dollar range! Did you know that Dave Ramsey, when he was younger, became a millionaire and then went bankrupt?! He can afford to be ignorant about Bitcoin. Can you? 

Another critic of Bitcoin is Warren Buffet. He can afford to ignorant about Bitcoin. Can you? He called Bitcoin, "rat poisoned squared." Yet his company Berkshire Hathaway owns part of Nu Bank that offers crypto currency to its clients. Nu Bank is a Brazilian Fintech firm. Berkshire Hathaway invest one Billion dollars into Nu Bank! Interesting. 

Trump, during his first term as president was critical of Bitcoin. Now, in his second term as president, he appears to pro Bitcoin! 

Forbes article: "Nation States Turn to Bitcoin as a Strategic Reserve Asset." This article was written in January 2025. Could the "financial winds be shifting?" 

David Sacks has been named "Crypto Czar" by Trump. And Sacks is one of 4 very wealthy investors who appear in the "All In Podcast." 

Oliver Velez who is a successful and wealthy stock trader. He recently released a video on YouTube. Title: How much Bitcoin do you need to hold to become a millionaire?" A 12 minute video worth watching, in my opinion. You may only need as little as 0.25 Bitcoin! 

The Bitcoin "train" is set to leave the train station this year. If you're not on it, you may regret it. Do your own research about Bitcoin. 

You can buy Bitcoin on Coinbase using the "Advanced Trade" feature to pay much lower purchasing fees. Or you can buy Bitcoin using CashApp. 

Have courage today, to pick one thing, and work on your dreams! 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2 Episode #25 Not Me, But You! Podcast.

If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF

How inflation causes the "purchasing power" of our currency to decline rapidly over time. This phenomenon is why "storing" your wealth in cash is trash! It's a bad idea, because your pile of money, in 10 years, will buy much, much less than it will today. 

I use the example of how $100 sitting in a bank account, for 10 years, will only buy you $47 worth of stuff (non interest bearing to demonstrate how inflation erodes purchasing power of money). 

Use your favorite search engine online and research the history of Rome and how Rome kept debasing their money, which led to their eventual downfall. 

If you want to be able to afford to retire one day, then you have to buy/hold assets that beat the rate of inflation. Grow your cash flow (dividend stocks).  Grow your pile of money (growth stocks, Bitcoin) 

If you dividend stocks price per share drops, don't panic. Dividend stocks are like dairy cows! Just keeping adding more cows to the farm and continue to "harvest" milk (A.K.A dividend money). 

It's important to hold assets that will match and/or beat the true rate of inflation. By doing this, you will preserve purchasing power of your "pile of money." 

My favorite platform to use when buying/selling stocks/ETF's/closed end funds is Schwab. com. I love using their phone app and their website on my desktop. Plus they have excellent customer service! When I call, I easily get to speak with a human being! 

Have courage today, to pick one thing, and work on your dreams. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Season 2 Episode 24 of Not Me, But You! Podcast.

If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF

There is a changing of the guard coming January 20th 2025. The USA will have a new president that day. Politics can influence financial markets. Be aware of these significant political changes, but don't spend a large amount of time focussing them. Instead, make your focus researching/buying/holding assets. The more assets you acquire, the closer you are to retiring from your job/career, if you choose to. You don't have to retire. But, in life, it's nice to have options. 

What are your two largest bills each month? For most people it's housing (mortgage or rent) and food. Also some form of transportation like a car payment is likely a significant bill in your budget. What if you could eliminate ONE of these large payments each month? If you could, then you would have that "payment" available in your budget to buy assets! 

Poor people buy things. Wealthy people buy assets. I cover a post from Fred Krueger on X on in this episode. I also cover articles you will find online that claim to name "ultra high yield" dividend stocks. Be careful! If you aren't earning a yield that is at least 8% a year, then you aren't keeping pace with the true rate of inflation. Many successful investors, I have found, suggest making at least 14%/year so that you are offsetting the effects of inflation on prices which will rise over time. 

We all need to, at times, police our monthly budgets. Know WHAT you are spending money on. Can you temporarily make that bill go away? If yes, then you have found extra money within your budget to go buy assets with. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Welcome to Season 2 Episode #23 of Not Me, But You! Podcast.

This is the last episode of 2024. We are about to turn the page on a new year in 2025. The future looks bright. But we have to pay attention to our cash flow. Understand that cash flows...two different directions. Cash can flow toward you (like dividend income) or away from you (the money that you spend- give to someone else). 

In my opinion, most people don't have enough cash flow when they are ready to retire. But they don't teach investing in school, after all. We have to learn it on our own. But if you have a smart phone/internet connection, then you already have all the access you need to learn how to become wealthy. 

But we need to buy/hold the correct type of assets that will give us an ROI(return on investment) that at least matches the true rate of inflation (8%) or better yet beats the true rate of inflation. 

Buy/hold assets. Look to cut your expenses, even if it's temporary. Have a general budget and be aware how/where you are spending your money each month. Pay close attention to your actual ROI, your rate of return, the percentage that you are earning on "your pile of money." The rate that you earn, is very, very, very important. 

Warren Buffet quote: If you don't find ways to make money while you sleep, then you will work until the day you die. 

I use Charles Schwab as one of my trading platforms. I like them because their app is easy for me to use on my phone. And they have awesome, awesome, awesome customer service. I can easily call and speak with a human being! 

Use your favorite search engine and learn about Blackrock.  Find out what they tell their financial customers. If you want to become rich, then study what rich people do, then go copy it. Rinse/repeat until you are wealthy. 

It's also important to take care of yourself. Develop good habits to so that you can remain healthy enough to enjoy your wealth. Eat healthy food and get regular exercise. And de-clutter your living space. We often collect things and then don't use them much. Donate, sell, etc some items that you no longer care about owning or simply have not used in the last 6 to 12 months. 

Buy some assets on a regular basis. Buy assets on a schedule. And build your cash flow every month. Remember that the true rate of inflation is more like an increase of prices of 8%/year. 

Have courage today, and pick one thing, and work on your dreams. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text

Welcome to Season 2 Episode #22 of Not Me, But You! Podcast.

If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF

In just 20 minutes, I break down owning shares of Coca-Cola stock (ticker symbol KO)  compared to owning Bitcoin, over the past 12 months. I cover what the total ROI was for each asset in 2024. And I adjust for the true rate of inflation which runs about 8% a year. I explain what I would own and why. 

If investing and making consistent profit was easy, then everyone would already be rich. Investing and doing it well, over time, is hard. But when you know HOW to evaluate an asset BEFORE you invest, I believe this information gives you an advantage. 

Share price appreciation on ticker symbol KO from January 2024 to about July of 2024 was about 11% ROI. The price/share in January 2024 was about $58/share. The stock price topped out in July around $73/share. And at the end of December 2024, the share price had fallen to around $63/share. KO also pays about a 3% dividend every 12 months. So total return was 11% plus 3% equals 14% (minus true rate of inflation which is 8%). So total inflation adjusted return to KO...6% for investing your money in KO stock for 12 months in 2024. 

Compare that to Bitcoin which does not pay a dividend but delivered a staggering 126% ROI in 12 months in 2024! Can you pick the bigger number? Which is bigger? 14% or 126%?! 

Have courage today, to pick one thing, and work on your dreams. 

I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.