Yes to Money

YouTube Link:  https://youtu.be/62aEsQxL_p8

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-----Contents of this video-----------------------------------
0:00 - Intro
0:20 - When is it ok to start spending money?
0:54 - #1: You are out of debt
1:11 - #2: Have emergency fund in place
1:20 - #3: You have your insurance in place
1:33 - #4: Saving at least 15% towards your retirement
1:43 - Start Enjoying Life
2:37 - One thing to remember
2:40 - Share, Like, Subscribe
3:07 - Watch this next

There are not a lot of people out there, but there are still some that would save, and save money all their lives without actually enjoying some of the money as well. 

The Purpose of this video is to bring awareness on when it is ok to start spending your money. When I say start spending your money, I am not just talking about fulfilling your needs like, food, shelter, clothing. I am really talking about fulfilling your wants like going to a restaurant for a night out, like going on a nice vacation, maybe even buying a car that you dreamed about for so long.

Here is when it is ok to start spending money on those wants of yours:
1. You are out of debt (not including mortgage or manageable debt like a reasonable car loan). Here, I am really talking about unmanageable debt, like credit card debt, and any other debt that is dragging you down
2. You have your emergency fund of about 6 months worth of expenses.
3. You have the necessary insurance in place, like medical, life, car insurance, home insurance, and any other that you really need.
4. You are saving 15% or more of income towards retirement

Then by all means go ahead and start enjoying life. Go on that date night out with your spouse, go on that nice vacation that you always wanted. Start enjoying life. 

What is the point of getting to the end of your life and all you can remember is save, save, and again save. You are working hard, saving and investing so that someday you can start to spend on what you really want.

All I am saying is start enjoying life while you are still doing all the right financial moves that I mentioned as being the prerequisites.  
If you do the things in the right order, then life becomes very enjoyable.

My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)
*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/YOQPPVOwbEI

Have you heard the terms bull market and bear market? Do you know what they mean? Today I will talk about what they are and how to invest during both.

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-----Contents of this video-------------------------

0:00 - Intro

0:20 - Bull Market

0:58 - Why is it called the Bull Market?

1:20 - When are the Bull Markets taking place? 

1:37 - Bear Market

2:22 - Why is it called the Bear Market?

2:47 - Bonus: How do I invest during both?

3:02 - Maintain a long term focus

3:13 - My Unique Strategy

4:06 - Share, Like, Subscribe

4:17 - Watch this next

Bull
Broadly speaking, a bull market is a continuous period -- usually years -- when stock prices rise. Many theories out there say that it has to rise at least 20% from recent market lows which would have been a bear market. A bull market could happen for an individual stock or for the entire market. Investors usually can tell when we enter a bull market, by tracking the world’s major indexes like the S&P 500, dow jones and so forth. 

According to research from Invesco: Historically, the average length of a bull market = ~5 years and the average gain is about +180%. 

Bull Markets happen during periods when the economy is strong or strengthening. They are often propelled by GDP growth, falling unemployment, and rising companies's profits.

Bear
A bear market is a prolonged period of price declines in a single stock or entire market, usually 20 percent or more from a recent high. A bear market could happen for an individual stock or for the entire market. Investors can tell when we enter a bear market, by tracking the world’s major indexes like the S&P 500, Dow Jones and so forth. 

The bear market largely indicates that investors are starting to pull back. This is where more people are selling than buying. It often occurs just before or after the economy moves into a recession. Investors carefully watch key economic signals — hiring, wage growth, inflation and interest rates — to judge when the economy is slowing down. 

According to research from Invesco: Historically, the average length of a bear market = ~ about 1 year (11 months) and the average loss = ~ -36%.

Bonus
How do I invest during a bull market and also during a bear market?
Regardless of what the market is doing, I maintain a long-term focus to cultivate long-term wealth. I constantly invest in the market, every single month. One thing that I do that is different, is in addition to maintaining my emergency fund in cash like investments, I also put a small amount in savings so it can be invested during bear markets. When the bear market comes around, I still invest as normal, but now, I also deploy the extra cash that I have accumulated in savings during the bull market.

My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link: https://youtu.be/jQjP5gg7w2U 

Hello Friends! Are you overwhelmed with everything that is going on in the world? Especially in times like this we can become very negative and lose hope in the future. In today’s video I talk about how to see the good in everything. This technique will help you stay positive and go through hardship much easier.

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 With everything going on in the world, covid-19, war in Ukraine, stock market crash, interest rate rising, gas going through the roof, I thought I would pause a bit from financial related content and share my view on how to see the positive in everything. I like the analogy with the car on the road. Have you ever thought of a car that you really like and potentially buy it one day. Now, all you see on the road is that exact car type. You see it everywhere.  Was it not there before? Of Course it was. You just did not have your mind focused on it. 

Same thing with seeing the good in every situation. If you are looking for it, if you focus your mind on it, you will definitely see it. You will definitely find it everywhere around you. And you will end up a lot happier, you will enjoy your life so much more.

Am I saying to be ignorant of all the threats that are out there?  NO that is not what I am saying. What I am saying is to deliberately set your mind to see the positive in other people, other situations. 

Instead of criticizing the driver in front of you for cutting you off, put it in a positive way and understand that he may be rushing his wife to hospital to deliver their first child .Instead of picking the one bad word that your friend said during a 10 min conversion you had, focus instead on the other 100 great words that he or she has said.
It all boils down to this:“you are where your attention is” What you focus on, is what you see more in your life. I guarantee you that when you start looking for the great things in everything and everyone, you will definitely find it! And you will find lots of it! You will start enjoying life! You will become a much happier person! As a bonus, a great way to remember to keep doing this  is to put a sticky note on the bathroom mirror. You will see it every time you happen to be in front of that mirror. 

 My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/SMMBo9004pI

Hello Friends! Have you ever “thrown in the towel” when it comes to investing? A lot of new investors are completely wiped out during a downturn in the stock market. Today I talk about how to invest when the stock market is down.

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-----Contents of this video-----------------------------------
0:00 - Intro
0:06 - Ignore the news
0:41 - Keep Investing every single month
1:40 - To Win in the Stock Market - Constantly Invest 
1:44 - NEVER Try to Time the Market
1:56 - S&P 500 Example
2:07 - Research from Investco
2:41 - Quote from Warren Buffet
2:51 - Share, Like, Subscribe
2:57 - Watch this next
 
There are many news sources out-there trying to scare the heck out of you. So my suggestion before I even go into the subject for today is to ignore the news as their job is to attract your eyeballs and watch their ads. The scarier they make the situation look the more hooked people usually are. 

With that out of the way, here is my real suggestion on how to invest when the stock market is down. 

Keep Investing Every Single Month in low cost index funds. If you can afford, invest a bit more than normal, so that you are taking advantage of the market being down. As long as you are not turning greedy and as long as you have your emergency fund covered.
Take any money that you do not need in the next 5 years (do not do it all at once) and put it in the market and you will be rewarded long term. 

Why am I saying keep investing? I am not really changing my message in any way as I have shared in other videos. The best way to win with the stock market is to constantly invest and never try to time the market. 

What we are seeing is short term. If we look at history, we will see that this is temporary.
For example, look at S&P 500 over the last 5, 10, or 20 years (record a video like that)
Research from Invesco shows that from the period of November 1968 through December 2020—a span of more than 50 years—the average length of a bull market was about 5 years, while the average bear market lasted less than 1 year. Over this period, the average gain in a bull market was +180.04%, while the average loss in a bear market was -36.34%.
 
Be fearful when others are greedy and be greedy when others are fearful. 
 
My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/AtIFLqflZqg

Hello Friends! Have you ever sat down to think about where your every $ is going? Today I am presenting a simple concept on what to do with every single $ that comes into your life. 

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-----Contents of this video-----------------------------------
0:00 - Intro
0:33 - Assign Every Single $ Into Buckets
0:48 - Present the bucket numbers
1:08 - 1st number - Needs
1:47 - 2nd number - Wants
2:40 - 3rd number - Savings and Investing
3:24 - 4th number - Giving
4:11 - Share, Like, Subscribe
4:30 - Summary

When you divide every single dollar into categories it is much easier to stay on track and achieve your major goals you have in life. Like buying a house, going on a vacation, or buying a car, making a huge donation and so forth.

Today, I will talk about what you should do with every dollar that comes into your life.  Concept of assigning every dollar into buckets. 
50 - 25 - 20 - 5
These numbers are my suggestions, but you can come up with your own numbers that make sense for you. The more you bump up the numbers to the right the better.

1st number → Needs -  I recommend this number to be 50c out every dollar you bring home.
Rent/mortgage, Transportation, Food, All the Bills - electricity, watter, internet, and others. Debt Payment

2nd number → Wants -   Here I say 25c. If you have been good so far with saving and investing the 25c should be easy to do. Vacation, extra car, night out, pretty much, enjoying life. The more you advance in your financial journey, this number could get bigger as a reward for doing a great job.

3rd number → Saving/Investing -  20c
The more discipline you are here the faster you will be able to reach financial independence. When I first started my career, this number for me was about 55c,  now it is about 35c. Again I am saying 20c for this category but it could be different for you.

4th number → Giving - 5c. Many say 10c out of every dollar, but very few are even doing, even 1c.
Giving brings so much joy, yet not many people are doing it. So I would recommend to start small, get used to it and you can gradually increase your contribution.
 
My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/P23mQ8JUxpo

Hello Friends! How do you win anything in life? Is it luck? Is it by doing it over and over again? Is it by following your passion? Today I am talking about how to Win in the Stock Market. It may be simpler than you think; watch to find out.

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-----Contents of this video-----------------------------------
0:00 - Intro
0:07 - We have grown so much
0:58 - My prediction about the future
1:15 - How to win in the stock market?
1:23 - The Exact Formula to win in the stock market
2:18 - Research from Invesco
3:34 - Thank you
3:38 - Share, Like, Subscribe
3:42 - Watch this next 
 
If you look only in the last 20 years, we have grown so much. From communication all the way to things being delivered to your house. Who would have thought that we can have a free video call from one end of the world to the other? Who would have thought that you can buy something online and have it delivered within 2 hours to your house. This has not been only in recent years, it has happened since the beginning of civilization. Us humans, we constantly seek ways to improve things, to make things faster, to make things better. In the end to make our lives easier.

My prediction is that things will only get better in the future. I cannot predict exactly when and by how much, but I definitely know that we will get better and better.

And now, going back to today’s question, how to WIN in the stock market?
Here is exactly how. I will give you the exact formula that has really worked well for me so far.

Never try to predict the market, rather constantly invest every single month, whether the market is up or the market is down. Find that one great mutual fund and constantly invest in it. Since we humans are constantly looking for ways to improve our lives, the stock market can only follow that and constantly go higher and higher. Of course it has to go down sometimes as well. 

Look at S&P500 over the last 20 years and You will understand what I am talking about. Yes it has some down turns, but if you are disciplined and just keep investing every single month, you will definitely win in the stock market. 

Let’s look at some research to back up what I am saying:
Research from Invesco shows that from the period of November 1968 through December 2020—a span of more than 50 years—the average length of a bull market was 1,764 days (or approximately 58 months), while the average bear market lasted 349 days (11.5 months). Over this period, the average gain in a bull market was +180.04%, while the average loss in a bear market was -36.34%.

The odds are in your favor when you constantly invest every single month and stay in the market.

I personally had my own lessons along the way. I did not start here. I really thought that I could outsmart the market and make a lot of money really quick, but this is when I lost almost $30K. This is where I would buy and sell, buy and sell almost every day which to me is a losing strategy.
 
My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/Vf6y3rn091A

Hello Friends! How do you overcome any setbacks in life? Today I talk about how to overcome financial setbacks with a simple 5 step process.

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-----Contents of this video-----------------------------------

0:00 - Intro

0:12 - #1 - Pause

0:41 - #2 - Be grateful for what you already have

2:17 - #3 - Give

3:28 - #4 - Analyze your finance

4:27 - #5 - Start all over again

5:01 - Summary

5:18 - Share, Like, Subscribe

5:28 - Watch this next 

 
1. Pause - take a break

Realize this is a clue that you need to change something. Instead of seeing it as a punishment, as a curse, see it as a blessing. A sign that it is time to change.

Great things happen when you pause! You start seeing things that were always there, but you could not see them since you were so busy doing stuff.

 2. Be grateful for what you already have

Not just grateful with your lips, but grateful with your heart. 

There is something magical about being grateful. Before fully grasping this concept, I thought it was just something nice to say. When I started to be truly grateful for everything in my life, even the little things, I saw massive changes in my life. For example, one little thing that I am grateful for is having a toilet in my house as I grew up having a toilet outside. This may be a silly example, but my point here is that even when you think nothing is working right for you , you could still find things to be grateful for.

3. Give
You may say what are you talking about? I am struggling financially and you are telling me to give!  You do not necessarily have to always give money, you could give your Time, Your Message, even money. You would be surprised how even a very small amount could make a big difference in someone’s life.  Giving, like anything else in life, it comes back to you multiplied.

 4. Analyze Your Finances - Become aware of what is causing the main problem

Is it you doing impulsive shopping? Is it you forgetting to make a payment on time?

The best way to know where everything is going is getting on a budget. You could use one of those software online that not only would create a budget for you, but would also analyze you past spendings and show you exactly where you are spending your money. I personally use Mint and I am really pleased with it.

5. Start all over 
You are never stuck to any situation, you can always start all over again. Even if you think you messed up, that can be a good lesson for you, learn from it and move on.  With a clean canvas, dream big, what do you want to accomplish in life, what do you want your legacy to be? What do you want to be remembered for?

My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/vj8NJl6qj5E

Hello Friends! Have you started your Financial Independence journey yet? Many people say “I will do it when…” Which may be never. Today I present 2 simple steps (not necessarily easy) that will get anyone started on the Financial Independence journey. 

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-----Contents of this video-----------------------------------
0:00 - Intro
0:15 - So Many people are financially broke
019 - Why 64% of Americans live paycheck to paycheck?
0:49 - #1 - Desire
1:53 - #2 - Be the financial independent person
2:54 - Believe it before you see it
3:39 - Do this for the next 30 days
4:04 - Share, Like, Subscribe
4:20 - Watch this next 
 
  
1. Desire - DO you actually desire to be financially independent.
Until you develop that burning desire to be free, financially free, nothing is going to take place.

When I say have the desire, not just on the surface level. I am talking about deep inside. This desire is so deep that when the weekend rolls around and your friends are inviting you to go out, you tell them, I am on a mission to become financially independent and I cannot afford to go more in dept.
Your desire is so deep, that you postpone buying that new car for another few years just to save and invest for the future. Your desire is so deep that you get on a monthly budget and you know exactly where every single dollar is going. That is the desire I am talking about. This desire will beat any step by step formula to get rich. Don’t believe me, try it for yourself as I have tried and been doing it for a long time now and yes, it works.

2. Be the person that is financially independent. 
How does a financially independent person look?
What is he/she like? 
Can you think of someone that is financially independent?
What is that person like?
Say you have the burning desire (step #1), now you start being that financially independent person.
You start mimicking that person, be it an imaginary person, it does not matter.
You start being discipline
You start and keep exercising every morning
You start and keep reading self-help growth books every single day
You constantly push yourself to do more and more
You face your fears
You are kind and respectful to others
You have a positive, never giving up attitude
I guarantee you great results will follow when you start being that financially independent person at your deepest core even when you can not physically see the wealth yet. Do this for the next 30 days and see what happens, then do it for 30 days more, and 30 days more, until you make this part of your life.

A deep desire coupled with being rich before you actually see the wealth in your life will get you very far in life. It will get you on a great journey that is well worth it.

Share this video with someone you think can benefit! If you are getting value with my content, then of course hit that like button and subscribe if you are not already because financially independent people always pay it forward.

 
My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)
*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the posting and may not be accurate in the future.

YouTube Link:

https://youtu.be/V7KBNhLBcoE

Hello Friends! In today’s video I present 2 simple ways to protect your wealth. For many people this is a very low priority until …

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-----Contents of this video-----------------------------------

0:00 - Intro

0:15 - #1 - Save and Invest for Your Retirement

0:40 - ERISA act of 1974

1:53 - #2 - Have all the needed Insurance in place

3:08 - Help Requested

3:28 - How do You protect your wealth?

3:36 - Watch this next 

These may not be as fancy as buying  a new car for example, but they will help you stay wealthy as long as you live and even beyond that.

1. Save and Invest For Retirement

Did you know that no creditor can access your retirement accounts like 401K, IRA, Roth IRA. The retirement plans are protected under the ERISA Act of 1974, which stands for Employee Retirement Income Security Act.

Not only are you protecting the money from creditors, but you are also protecting them from yourself. A lot of people when accumulating a substantial amount of cash they have a tendency to go and blow it on things like a fancy car and other depreciating assets. 

Savings and investing for retirement is really protecting your future and assuring a stable beautiful financial future.

According to synchronybank.com Median retirement savings for Americans in their 60s is $172,000. While that may seem a lot, it is really not. How long will that last you? 2 years, 5 years, and then what, are you going back to work? https://www.synchronybank.com/blog/median-retirement-savings-by-age/

I would rather save and invest now while I can then go back to work later in my retirement.

1. Have all needed insurance in place
2. This may seem as a burden and a big expense now, but it can really protect you.
3. What if you get in a car accident and you do not have car insurance, you have to come up with thousands of $ to fix the damages
4. What if in that accident you are also injured and now you also do not have health insurance. This can get you bankrupt. Medical bills are #1 cause of people going bankrupt in the U.S.
5. What if you GOD forbid, you die in that car accident and you do not have life insurance (by the way, you are the only provider for your family); you are now living your family struggling financially and possibly, risking being homeless.
6. Do not be one of those people that is not covered by insurance in the major areas where you need insurance. 
7. Now you may say why, but later you will say thank you when a hurricane destroys your house and you are fully covered by insurance.

My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)

You could purchase it here: https://www.amazon.com/dp/B09JBHGSRF/ref=cm_sw_em_r_mt_dp_0QE4R3280AE5BMYH1SPK

*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes only. The content in the video is accurate as of the day of the

YouTube Link:

https://youtu.be/R1lJZVOW_1U

Hello Friends! Have you ever considered that buying cheap stuff is very expensive in the long term? Today I show why that is and much more.

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-----Contents of this video-----------------------------------
0:00 - Intro
0:33 - 1st Example - Cheap Frying Pan
1:29 - 2nd Example - Cheap Shoes
1:28 - Buying Food/Groceries
2:31 - Cost per Use Concept
3:29 - Summary
3:37 - Help Requested
3:56 - Put it all in Perspective 
4:34 - Call To Action 

Today I will bring you a few real examples to demonstrate that Buying Cheap Products Is Expensive!
 
Let's say you chose to buy a cheap frying pan.
After using it for 2 months, the food starts to stick to it. The more you use it the more it sticks to it. Now, you decide to hold on for a while to buy a new frying pan. Now every time you use it, the food gets stuck to it, 

As a result, you put in more time to clean the pan, more detergent and more cleaning pads, more water. On top of all that, the food does not come out good at all and often is burned (and now you put your health in danger). You think you are saving money, when in fact you are spending more money and more time and potentially a lot more money down the road to fix your health. 

Let’s take a look at another example.
You chose to buy dress shoes at a very cheap place where the shoes are 3 times cheaper than the good quality one at a good shoe place. After using them for 1 month, your feet start to hurt and also the sole is coming out of the shoe. You go and buy another pair from the same cheap place. The cycle repeats and by now you have purchased 4 pairs of shoes that only lasted 1-2 month each. You then watch my video and go buy a nice quality pair of shoes. To your surprise, not only do they last for a few years, but they are also a lot more comfortable. 

One good way to see the value of a product is to look at the cost per use. In the example of the shoe earlier. Let’s say it costed you $30 to buy the cheap dress shoes and you used them 20 times. That means that the cost per use was $1.5.

Now when you go buy the more expensive shoes, it costed you $90, but so far you have used 150 times. So the cost per use in this case is 60c. And you know what, you will still use them many more times. 
I hope you see how buying cheap stuff could end up costing you a lot more money in the long run.

If you are finding value in this video and in other videos of mine, you would help me a lot by giving me a like, subscribing and also turn that bell notifications on so you do not miss out on any of my videos.
Buying more expensive, higher quality items, would not only save you money in the long run, but it will also save you more time, more frustration, more health, and would provide a better quality life.

One word of caution here, don’t equate designer/brand names with quality because sometimes they are not. In the case of “designer labels,” you’re often paying for the name or packaging, not the integrity of the product.
 
My wife and I wrote the book: “LIFE LESSONS: From A Wiser Me to A Younger Me” In this book, we go into details of what were the biggest lessons we have learned up until now. Our intention for writing the book was for people to learn from it and not repeat the same mistakes we did. Also what we have learned in 10, 20 years, could be compressed in a few days of you reading the book. So there is a lot to gain :)
You could purchase it here: https://www.amazon.com/dp/B09JBHGSRF/ref=cm_sw_em_r_mt_dp_0QE4R3280AE5BMYH1SPK
 
*None of this content is meant to be interpreted as investment advice. It is for entertainment purposes o