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Speaker 1: (00:00)
What’s going on. You also, today we’re going to talk about investing because it’s one of the things I love to talk about and in particular we’re going to talk about how to invest $500 now for many of you, $500 might not seem like a lot of money or it might seem like a lot of money. You have no idea how to get $500 if that’s the case, that’s a whole other video and we can talk about later. What I want to talk about right now though is that if you have $500 and you want to start investing, how do you do it? How do you get started? Where do you go, what other options do you have? And here’s the cool thing is that you do have options. You actually have quite a few options. But today I want to talk about what are my top five, what are my top five investment options for $500 so we’re going to look at those. And the best part though is I think number five is the one that you’re going to be most excited about. Because you can take action on it right now. So let’s find out what these top five investment options are.
Speaker 1: (01:15)
he got $500. Does that limit you on some of your best options? It does limit you someone. You got places like Vanguard that you’ll need like at least a thousand dollars fidelity. Sometimes you need like 2,500 depending on the fund size. Schwab, you need $1,000 to get started unless you’re doing some sort of monthly ACH. So there are some places that $500 will not allow you to get started investing. These are just the minority, their horse, several more options that you could start. And that’s we’re going to talk about today what the first place that we’re going to start is investing into mutual funds, ETFs, and or stocks. Now that is a wide array of different places that you can invest into, but really just depends on where you’re at in your investment experience, where you’re at in your investment timeline. If you’ve never invested before, buying a stock might not be the best thing for you.
Speaker 1: (02:06)
So what does that mean? So where should you start? That’s where mutual funds or ETFs exchange traded funds are probably going to make the most sense because you are being diversified. You’re not having to pick one individual stock. If you’re buying an ETF or a mutual fund, you’re getting anywhere from 50 to a hundred different stocks unless you’re buying the S and P 500 index fund and you’re getting 500 stocks. So there are options. The most common question I get is where do you go? So with $500 that does limit us as I mentioned. But here’s the places that you can check out. So if you want to have more control in choosing your mutual funds or choosing your ETFs, these are the two places you’re going to want to check out. The first place is ally invest. So the ally investor is no minimum.
Speaker 1: (02:48)
So you can get started with $500 or less. They have ACS, full access to ETFs, mutual funds, individual stocks. So whatever you’re looking for, they have it. And when you make your trades, they’re not going to Rob you. A lot of places, you know they’re going to charge you $9 $12 sometimes more. If you’re going to look a full service broker with LF financial, you’re looking at four 95 per tray so that that is nothing. Yes. Or our other apps we’ll talk about here in a second. They don’t charge anything but force having full access. So it’s like you have access to every single item on the buffet and they’re only going to charge you four 95 per trade. That is a good deal, especially since there is no minimums. And other online broker you can look at is E-Trade and E-Trade, probably more commonly known as ally invest.
Speaker 1: (03:36)
They are a newer company, kind of had some mergers, so that’s why a lot of times you hear allied people are like, who? Who’s ally? Who are they? Most likely you’ve heard of E-Trade. Do you see the commercials? You’re comfortable with them. So with E-Trade, they have a $500 minimum account balance to get started. They charge six 95 portray. So a little bit more than what you’re going to get at ally invest. So just two bucks more, not a big deal. If you’re more, do you need a name that you’re more comfortable with? Similar in a sense that you have full access to everything. They’ve got mutual funds, they’ve got ETF, they’ve got individual stocks. But here’s the cool thing with each trade that you don’t get an ally is that they have over 90 ETFs that you can buy with zero commissions. So zero transaction fee.
Speaker 1: (04:18)
So instead of paying six 95 or four 95 you pay nothing. So there are 90 different options that you can buy with zero transaction cost. So that is one leg up on what ally has. But once again, these are four. If you want more control in choosing your actual investments. Now if you don’t want any control and you want somebody to basically pick your investments for you, the first place I’m going to talk about is betterment. And I’ve talked about betterment before and this is why. So with betterment there is no minimum you can get started with next to nothing with betterment. They are choosing your investments for you. Now what they are choosing for you are ETFs. So these are exchange traded funds and how they determine which ETS they’re buying for you is going to depend on what are your financial goals. So is this a short term investment?
Speaker 1: (05:08)
Is this something that you’re going to need in the next three to five years or is this something that you are saving or investing for retirement? So something that you don’t plan on touching for the next 10 20 or 30 years. So depending on your financial goal, they are going to create a portfolio that matches that timeline that matches that risk tolerance that is justified for that timeline. So if you’re going much more longer term 20 plus years, you’re going to be much more in stocks. If you are looking for something a little bit in those shorter term, like three to five years, you’re going to have more bonds than you do stock. So it just really depends on what your financial goals are. Another similar option to betterment is called a Wealthfront and there are similar sense that you are not choosing the investments, they are choosing those investments for you.
Speaker 1: (05:54)
They are also using ETFs, exchange traded funds with them. They do require a $500 a minimum to get started. Now, what is really the difference between betterment and Wealthfront other than their logo? Uh, the name of the company, they’re very, very similar. Both of them are using low cost ETFs. Their management costs are next to nothing, especially when you’re comparing them to any of these large New York wall street firms. I mean for anyone to manage an ETF portfolio for you, for what they charge, it really is next to nothing. I like these two outfits. If you don’t want to have any control on choosing the investments, you just want to turn over to them, tell them your financial goal and they’ll build that portfolio for you. All right, so we talked about online brokers. We talked about roboadvisors, betterment and Wealthfront. What about all these different apps that exist?
Speaker 1: (06:41)
All of these you can get started investing with $500 most of them a lot less than that. But there are so many different ones to choose. And even I am getting confused on all the different ones, how the operate or how one dip present the other. But let me break down some of the more common ones that I hear about and probably you heard about too. So the first one is called acorns. So the acorns, their logo is investing your spare change. So basically they’re looking for to find additional money you might have in your budget that you just aren’t really doing anything with it. So instead of just having it sit in your checking or savings account, why not invest it? So what they are investing to our ETF, just like betterment and Wealthfront, you’re not having any really any real control on those ETFs.
Speaker 1: (07:24)
But it is a Berry out of sight, out of mind taking the money from whatever checking accounts that you set up and they’re investing it for you. So it’s kind of cool, like I like this from a experiment of if you’ve never really invested or you just want to set up something to where you don’t have to manually go deposit a check or log into your banking account online and transfer money. It’s those cases where a lot of people get tripped up and they just don’t do anything. Whereas with an app like acorns, you set it up and it will do it for you automatically. So after a year you could have accumulated hundreds if not thousands of dollars just by having it do its thing. So that is one option that you should look at. And the most popular investment app that I hear a lot about that a lot of people are talking about is a Robin hood.
Speaker 1: (08:09)
So what made Robin hood so attractive? What made Robin hood, you know, people talking about Robin hood and encouraging people to sign up? Well basically like they’re one of the first investment apps that I’ve seen that charges zero commission for any stock or ETF trade. So that’s pretty huge. Now, for those of you that don’t know this, if you were to open up an investment account with like a Merrill Lynch or any of these big brokerage firms, typically you’re going to pay, I’ve seen anywhere from $20 $40 on up to 80 to a hundred dollars to make one stock trade. And that could have been just buying one share. That could have been buying 10 shares, it could have been buying a hundred shares depending on whatever the stock price was. But it’s actually, it’s laughable to me just to see what these big brokerages are charging compared to places like Robinhood that are charging you nothing to buy ETFs or stocks.
Speaker 1: (09:04)
Like that’s pretty big. That’s huge. So with Robin hood you can literally open your account in minutes, sync up your online bank account, transfer some money in and make your first trade. Like that’s pretty cool. Like it’s, you really haven’t co excuse not to start investing with apps like Robin hood and just recently they’ve announced that you can also invest into crypto with Robin hood. Now, whether that’s a good thing or bad thing still remains to be seen, but just shows you that the platform is adjusting, that they recognize where people are investing and what they are interested in and they’re making those adjustments accordingly. Now, I don’t know if some of these investment apps are going to be around a year or two years from now, and we’ve talked about acorn, we’re talking about Robinhood stash is another one that you can look at and there’s probably a 15 to 20 more.
Speaker 1: (09:49)
They don’t have time to mention on this video, but when I see companies like Robin hood that are adding different features and they’re listening not just to their customers, but they’re paying attention to what’s going on in the market and what’s going on in the marketplace and making those adjustments accordingly, that’s just good business. So that’s why with a company like Robin hood, I just liked that for anybody that has a started investing yet, especially since once again, they’re not charging you anything. Now, if there are any limitations, yes, they offer stocks. Yes, they offer ETFs and some crypto. But that’s really about it. So there are like mutual funds for example, and they don’t have the full service, the full access that you’re going to get with a place like E-Trade or ally invest. So that’s just one thing to consider are now that we’re talked about how to invest that $500 into the market, I’ve given you tons of different choices.
Speaker 1: (10:34)
Whether you want to control, you don’t want to control, you want somebody else to take advantage or take pick that portfolio for you. You want to do it. Use an app on your phone. Like there are so many different ways. Now the other way I won’t talk about this is number two is $500 to become a real estate investor. So with many people that want to invest in real estate, you know, they think of like, well that’s buying a duplex. Like that’s flipping a house, that’s taking out a mortgage, that’s having to go to a bank and you know, run my credit to see if I can even approve to take out a loan. Now, here’s the cool thing with technology and we’re seeing this with the apps that we just talked about, like with Robinhood, but with technology now it’s like you can become a real estate investor without having to take out a loan without having to have your credit run.
Speaker 1: (11:15)
And here’s the best part without having to even leave your house. So with $500 you can become a real estate investor in a company called fund rise. Now I did another video talking about fund rise and how it works and be sure to check out that video for even more information about that. But I love fun ride for anybody that’s interested in becoming a real estate investor, a little bit hesitant, maybe scared to make that first real estate investment and maybe don’t have a lot of money. So with $500 like you can open up a fun rice account and get started. So how does it work? How do you actually invest only $500 and become a real estate investor? Basically fund rise is, is they are a real estate investment trust company. So what that means is that they are actually going out and buying these properties on your behalf.
Speaker 1: (12:02)
Very similar to like an ETF or mutual fund or we can think of it like betterment, Wealthfront, you know, where they’re building that portfolio for you. With fund rise, they are building that real estate portfolio for you and other investors. Essentially what it is is that you are crowdfunding, they’re their real estate investments and you’re relying on their expertise to make you a good return. Now the cool thing is that they have a pretty good track record of making a good return. You know, like they share on their website, your expected return or like what can you expect to make investing with them. Uh, once you open an account or even before you open the account, you can see like you could actually go look on their site and see the different properties that they own, like with a Google map of what it looks like and where it’s located.
Speaker 1: (12:44)
And if you actually live close by, you can get in your car and go see it for yourself to see if like, is this legit? Like this is, it is a real operation. Well it is and it’s just exciting to see the different options that are available. And I opened my fund rise account earlier this year, funded that with $5,000 in this city with $1,000 a head of 4,000 a story. And I’ve already had dividends start to be deposited into my account. So it’s just kind of cool to see that my money is making money for me. But once again, I have $5,000 in there right now. You don’t have to have $5,000 you can get started with as little as $500 so if you’ve ever been interested in investing in real estate, just didn’t know where, how to get started or just didn’t know what to do.
Speaker 1: (13:26)
Here is a great option that you can get started without a lot of money upfront. Right? The third option, this is an option that I’m fairly partial to. Yes, I’m a financial planner. Yes, I’m a certified financial planner, you know, I’ve been doing that for 15 plus years, but one of the areas of business that I get most excited about is in the online space, starting an online business. I have just found out through hard work, grit and determination, perseverance, and a whole lot of luck that if you can figure the online business route out the room for growth, the room for growth in the business, growth in your income, growth in your free time is just so much more exponentially seen with an online business. So I spent 15 plus years growing my financial planning practice. You know, this is a brick and mortar business, and yet my online business is generating me more and has a higher valuation than my brick and mortar business.
Speaker 1: (14:26)
And yes, I put a lot of work up front to get it going. But as far as the maintenance, the upkeep, it’s so much different, so much less stressful then with my brick and mortar business. Now maybe that’s just with my business, but I’ll tell you what, I’ve talked to so many other people, they’ll say the exact same thing. I’m saying right now, their online business is so much more profitable, so much more or less stressful. Uh, and just it has allows so much more opportunity that they ever could have realized in their brick and mortar business. But I know starting online business, I mean there’s just so many different directions that you can go that it gets very get scary because there are just so many different choices in a, where do you start? Well, the first thing that you got to do is you got to register a domain.
Speaker 1: (15:10)
Now the cool thing is you don’t even need a domain. But I know for me, like starting my blog, having a website, I wanted to have a domain. I want to have my, my real estate, you know, in the online space. So you can go to go daddy, you can go to Namecheap, buy a domain for 12 bucks or less. Like that is nothing like that is an a, so a nothing investment, especially we’re talking about $500 to get started. So from there you’re gonna need a hosting account, you know, someplace actually host the website there. You’re looking at anywhere from five bucks a month, maybe, you know, $60 for the entire year, and then maybe you need this, maybe you don’t, but you can get a lot of free website templates out there or you can buy a premium one. You know, right now I use WordPress for my blog.
Speaker 1: (15:50)
Now WordPress by itself is free. But with having like a professional theme or just like a good looking theme, which is kind of like the template, how the site looks, those will run you anywhere from 60 bucks, maybe on up to a hundred dollars. So just those three things. We’re looking at $60 for the hosting, 12 bucks for the domain, uh, maybe a hundred dollars for the website design. You know, like just the, the theme, I mean, we’re not a lot in and we still have a lot left from our $500 to really call is, uh, more, uh, more action and more to invest to grow his online business. Now it’s just lot of people get stuck on where you start. Like, what do you do? You know, for me it was starting a blog and with blogging was I talking about like what I ate for lunch the next yesterday or uh, were I took my kids on vacation?
Speaker 1: (16:39)
Like kind of not really. You know, for me I was a little more intentional, you know, being a financial planner, having that in my background, my blog was more focused on talking about investing in financial planning and some of the experiences that I had with that part of my career. But I’ve seen other people talk about writing, talk about food, talk about travel, talk about sports, talk about their hobbies, like their dog training or karate or running. I mean there are so many different things with the blog that you can talk about and there if there’s something that you’re interested in, I promise you there are others interested in that exact same topic. So first it just kind of finding that community and finding those interests and just sharing those experiences. And then, at least for me, like that’s how I started. I didn’t start with the intent of actually making money with the blog.
Speaker 1: (17:30)
It was really just like I mentioned earlier in the video, a little bit of luck. This was definitely a little bit of luck, also hard work and whatnot. Once I got the readership and understood what people were looking for, then that’s when the income followed. You know? That’s when the revenue started coming because initially I was there to serve others. You know with that website. Now maybe blogging, not your thing. Maybe that’s not the direction you want to go and you want more of like the brick and mortar business that is in the online space. I mean that’s where you have places like Shopify where you’re selling physical product. Now this could be products that you are making. These can be products that you are drop shipping. There are so many options that you can look at. I’ve talked to many people that have the some sort of Amazon FBA business, you know, so where they’re ordering products off Alibaba, you know, from another country and then they’re drop shipping it to somewhere in the U S I’ve seen people selling everything from wooden kitchen spoons to ladders to a trampoline to wiffle ball bats.
Speaker 1: (18:27)
I mean it truly is endless. What you can sell now with Amazon FBA, like there is no cost to actually set up the store or you still have got to go out and find the products with Shopify. I mean they’re going to charge you about $29 a month just to have the ability to have the storefront to be able to sell things. So you could have that site for over a year and you’ve not invested your 500 bucks yet. So there isn’t a lot of money upfront to get started. And that’s what I love about the online business because with my brick and mortar business like there we had a lot of upfront costs to get going and we had to have our phone line, we have to have desks, we have to have a sign stationary, internet, computers, like all that stuff. And that’s what I love about the online business is that it doesn’t take a lot of money to get started.
Speaker 1: (19:09)
What it’s going to cost you the most is your time. You know, trying to figure out where, you know, what kind of business do you want? Where do you, where do you want to live? Like what community, all the community you want to be a part of. Like, and who do you want your, uh, your customer to be in? Like, who are you going to serve? So there is a lot of time capital upfront, but once you invest that time and to connect with others and understand how it works, that’s when it gets fun. It’s just getting past that initial hurdle of starting to see some success in the online space. But man, like for those that I know that have pushed forward and pushed through and got past that hurdle, it is a fun place to be. If you are interested in learning about setting up a blog and getting started, you can also check out my make oneK challenge.
Speaker 1: (19:56)
So this is just a free email series that I put together for those that want to get a blog started. Don’t really know how, uh, I show you how to get your blog started, how to get it set up and just some ideas on how you can make your first $1,000 online. So if you’re interested, go check out, make oneK challenge a sign up for the free email series so you can see what that’s all about. All right, number four, another way that you can invest $500 and I’m amazed at how many people that I’ve seen, especially in the YouTube space that just are, that will bash this idea as if like you investing this money is you’re not really investing it, you’re just throwing it away. You’re just just by, we’ll just flush it down the toilet because it’s a waste of money.
Speaker 1: (20:38)
So what am I talking about here is online courses investing into online courses. I get it. There are definitely a ton of online courses that are complete scams, people just trying to rip you off, claiming they have like the next great thing and you know, just nine 97 and you’ll change your world and become a millionaire overnight. Now that’s not what I’m talking about here. So it really depends on what are your expectations. So if you’re investing into an online course and you think that you’re going to become a millionaire overnight, then really that’s touch shame on the person you bought the course from. Like that’s shame on you for an unexpected reality check of what’s really going to happen with this online course. But if you’re looking for a specific result and you, you know, you have something that you want to accomplish, then taking $500 and investing that into your education, into just getting past a lot of the hurdles that many people get stuck on.
Speaker 1: (21:33)
Like if there’s an online course that satisfies that, then why wouldn’t you want to invest $500 into something that’s going to save you time? Frustration, failures. I mean to me like that’s why I’ve always been okay with buying courses because that was, that’s why I was buying these courses because there was something I wanted to learn because I didn’t want to have to go through the two plus years that he takes most people to get to that point because for me like starting my blog out, that was me learning on my own because there weren’t any online courses at the time to buy or if there were like I didn’t know about them so they weren’t doing a very good job marketing them to the public, like I would have paid $500 in a heartbeat to learn what I had, what I had to learn on my own that first two years of starting my blog.
Speaker 1: (22:20)
So, and that’s why I said I am totally comfortable buying and paying for online courses. And I just did a quick tally of some courses I’ve bought like in the last two years and I’m paid over $9,000 in online courses. Uh, I bought a course called tribe by Stu McLaren and talking about membership sites. I bought a course by Todd Herman called 90 day year. I bought a course by Michael Hyatt, the best year ever. I bought first page videos from Brian Dean, uh, brought, uh, I bought video market Academy from Alex Becker. You know, wanting to learn more about YouTube, like all these together we’re over $9,000 that I spent that I invested into my education through online courses. And I don’t regret buying any one of these. Like there was something that I got from each and every one of them. And that’s value. Like that’s money being made. I mean, that’s ROI, return on investment that I have got from these courses.
Speaker 1: (23:13)
And like I said, if I didn’t buy these, could I figure it out eventually? But this shade off so much ties, so much frustration. My goodness. Like I’m thankful. Like I’m thankful the fact that these people put these courses out tonight could purchase and I could buy them because man, I want to learn from them. Now with most of these courses, they do cost more than $500 so what are some courses that you can buy that you can invest in yourself for $500 Michelle, from making sense of cents. I interviewed her before where she talked about how she’s making over a hundred thousand dollars a month from her blog. So Michelle has a course that she also sells making sense of affiliate marketing and it’s $200 and it shows how she’s been able to make over $100,000 a month from her blog through affiliate marketing. That’s just one example.
Speaker 1: (23:59)
Another blogger that I know, Holly Johnson, she is a writer and she generates over six figures per year through writing. So she has her course that you can buy for less than 200 bucks. That shows how she started as a freelance writer and how she able to increase her rates to where now she generates over six figures per year just from writing. And even these price at $200 is more than some other courses you can get because you can go to places like you. To me that, I mean if you signed up to you to meet the email list, they will sell you a course for 1297 or less every single day. So all their courses are about 13 bucks or less and you can buy it on learning a new language, how to invest in the stock market, how to increase your productivity, how to become a professional programmer.
Speaker 1: (24:49)
I mean they have so many different options of courses that you can buy. I mean there’s a lot of courses you could buy there for $500 but the point is is that this is not an expense, like this is not a sunk cost. Buying an online course. If there’s something specific that you’re trying to accomplish, like this isn’t an investment in yourself and treat it as such, like don’t think that you’re wasting money or that you’re a sucker because if you bought something that the information is available on the internet, why would I pay $500 when I could just go to the internet and Google it? I mean you can, right? But the whole point of a course and the big difference is this, is that it’s presented to you in a format that is understandable, that is digestible and for the most part should encourage you and allow you to take action.
Speaker 1: (25:34)
That is the whole point in buying a course is that to be able to consume the information, to take action. So if you’re going to Google, find the information that you need and taking action, then more power to you. But if you’re going to Google finding your answer and doing nothing about it and just complaining that why would I want to buy a course for $500 when I can just go to Google? Well, if you’re not doing anything about it, then you know, just stop complaining. So buy the course, consume the course, take action. All right, number five. And I said that this would be my most favorite one. And this is one that I’m excited about just because anybody can do it. It’s something that I’m going to get my kids to do because I’ve already talked to him about, we just haven’t taken action yet, but I promise we will soon. It’s summertime. We’ve got some free time on our hands, like this is going to happen this summer. So what is number five? Where does the, this the one $500 investment that I’m excited about, what I’m excited about is this doing the flip challenge. Now, I didn’t come up with this. I wished that I did it because it’s such a great idea. But there’s a guy that you may know by the name of Gary Vaynerchuk.
Speaker 3: (26:36)
Here’s my big belief. My big belief is this, my friends, the 2017 flip challenge is this. I, that if you amass the hours that you allocate to, uh, you know, a iPhone game for three hours here, um, to when you’re on the bus commuting for an hour.
Speaker 1: (26:54)
Last year, Gary Vaynerchuk came up with this concept, he called it the flip challenge. And what this flip challenge is all about is that he recognizes that we spent a lot of time on our phones. We are constantly looking at social media, looking at whatever apps that are available, and we just spend so much time, like we’re wasting so much time on our phones not being productive and always complaining that we don’t have enough money and that we’re always broke. That man, I just wished that I had some extra money so I could do X, Y, Z. So why he, the challenge is this, is that if you’re going to spend so much time on your phone, then why not be productive and actually make money from it? So that’s what he came up with. The flip challenge. So what is this flip challenge about? So what he’s talking about is you’re spending all this time on your phone, right?
Speaker 1: (27:42)
And why not instead of just wasting your time playing fortnight or any of these stupid games is that you can go to a garage sale or you can go on a online like an online discount retailer or head to your local Walmart and check out the clearance aisle, find something that is on sale and then flip it for a profit. And you could flip it on places like Amazon or eBay are probably the two most common things. So think about the things that you could go buy on Craigslist or at a garage sale that somebody is selling for dirt cheap and then you could sell on eBay because man, some of these junk is somebody else’s treasure. And Gary knows that. Like, I mean they’re just, there’s so many different things out there and they can be like video games, it can be baseball cards, it could be shoes.
Speaker 1: (28:31)
There are so many different things. So why not spend your time doing the research on your phone instead of wasting your time on Facebook, Snapchat, whatever, and actually make a profit so that this is something that I think anybody can do. And especially for if you’re complaining about always being broke, then why not? Like, why not spend a little bit of time, do some research and flip something for a profit like other garage sales in an area? Probably can you go onto Craigslist on your phone and find things that are on sale that people were trying to get rid of because they’re moving or you know, they just don’t want anymore. And then you can go sell that on eBay or in a Facebook sales group or something. I mean, there are all these different areas that you can sell this stuff to make a profit. So that’s the one I’m excited about and I’m excited about it because I know that this is going to be such a valuable lesson for my kids to show them. And this is just a nontraditional way of making money. You don’t have to go to McDonald’s and get paid minimum wage to make some money. You can spend a little bit of time and make a lot more, you know, if you could find the right thing. So that’s why I’m excited to know my oldest going to be 11 this summer
Speaker 4: (29:42)
and we’re going to do this. I already told them we’re going to do this. So I’ve been doing some research trying to figure out where are some items that we can get that you know, it makes sense to him. He has something that he’s, he kinda gets, I want anything that’s too complicated, but I just know we’re going to have a lot of fun and I know that’s something that you could have a lot of fun too. All right, so those are the five ways that you can invest $500. Not want to know which one are you the most excited about? Is it an investing in the stock market using like an online app or one of these robo-advisors? Is it the flip challenge is the fun rides with real estate? Let me know which one resonates with you the most. The one that you’re going to take action on immediately. Let me know in the comments below. All right? This is Jeff Rose reminding you that is your money, your life, and only you can make it awesome. Until next time, p