Naval on how to become rich

For those of you in your 20s and 30s, know this:

Ages 25 to 40 are only 15 years long.

The decisions you make during this period are critical for building financial freedom.

And that time will pass fast.

Take advantage of it while you can.

You can’t buy back lost time.

If you invest $1,000 into an S&P 500 index fund, you're investing:

• $72 in Microsoft $MSFT
• $61 in Apple $AAPL
• $58 in Nvidia $NDVA
• $43 in Google $GOOG
• $38 in Amazon $AMZN
• $23 in Facebook $META

and $705 into 494 of America's top companies

Use your weekends to build the life you want, not escape the life you have.

If you can work 40+ hours a week for someone else, you can use your weekends to work on yourself.

Never let a job steal your life.

Use your weekends to work on a side hustle, build a side business, or

The Roth IRA max is $7,000 per year.

To max it out you can invest:

$585 a month or,

$135 a week or,

$20 a day.

And it’s tax-free.

In 1929 the stock market crashed 90%
In 1973 the stock market crashed 50%
In 2008 the stock market crashed 55%
In 2020 the stock market crashed 35%

But recovered to all-time highs each and every time.

And since 1926 the stock market has returned an average of 10.5% per year.

Funny how you could have $200 in the bank but a $100,000 auto loan, and people think you're rich.

But if you had $100,000 invested and a $20,000 car, people think you're broke.

Makes no sense.

Job security is an illusion.

One of the smartest things you can do is learn a higher-paying skill while at your current job.

And one of the best ways to maximize your pay is to change jobs every 2-3 years.

You create a higher baseline for your future earnings with a higher

High School should teach:

• Taxes
• Investing
• Negotiating
• Real Estate
• Entrepreneurship
• Personal Finance
• Financial Planning

What would you add?

Laszlo Hanyecz paid 10,000 Bitcoin for 2 Pizzas, 14 years ago today.

Today, 10,000 $BTC is worth over $700 Million.

All these groceries were only $105 at Aldi

Middle-class debt trap:

$600,000 Home Mortgage
$20,000 Credit Card Debt
$150,000 Student Loans
$60,000 Car Loans
$50,000 Wedding
$0 Investments

The 'American Dream' is built on getting you into debt.

Break free.

The company you work for is not your family and will never be.

They use the word 'family' to manipulate you.

You are replaceable at work but never replaceable at home.

No amount of money can buy back lost time with your family.

Life is short. You get 4,000 weeks if you're

Congrats on the launch!

Love the community aspect!

Good people don't quit jobs. They quit:

• Low pay
• Office politics
• Bad leadership
• Toxic workplaces
• Micro-management
• Feeling undervalued
• Lack of opportunities
• Zero work-life balance

Sometimes it’s time to move on.

Put yourself first.