Saving money is for losers.

My whole life I've heard the same advice:

Play it safe!

Diversify!

Stop drinking coffee and you could save $500 a year!

This isn't the 1950's.

You can't save your way to financial freedom anymore.

But this shouldn't discourage you, this should excite you.

Because saving money is boring.

Multiplying money is fun....

Two years ago, I started playing my life like a video game.

Like any other game, I needed a way to keep score.

I decided to use my bank account.

Every day I would try to increase the number I saw on the screen.

After a few months, I began to get discouraged.

I checked my bank account... $156

Same as last month.

I was working hard and trying to save money, but my bank account wasn't growing.

Why is this so hard? I thought to myself.

I had no problem making money in video games!

I thought about my favorite game of all time... Runescape.

I played Runescape on and off for 10 years, and my Runescape bank account grew almost every day.

By the time I quit the game, I was pretty dang rich.

But why couldn't I do that in real life?

Well, the more I thought about it, the more I realized:

If I follow the average financial advice, I will end up like the average American...

Broke.

So I stopped listening to the "safe" advice and start playing my life like Runescape.

I used the lessons I learned to triple my income, quit my 9-5 job, and grow my bank account substantially.

In today's newsletter, I want to share with you these lessons...

How To Multiply Money

In Runescape, you start out with 25 coins.

You use the coins to buy a weapon.

You use the weapon to level up.

With a higher level, you can kill harder bosses.

The harder the boss, the more $$$ you make.

Kill bosses → sell the loot → buy better weapons → kill harder bosses

This cycle repeats until you find yourself with a juicy bank account.

Real life works the same way.

You invest money to make more money.

This is why the concept of saving is dumb.

Imagine you started a new Runescape account:

Instead of using the 25 coins to level up, you throw them in the bank for a year to gain 5% interest.

Sounds silly right?

But that's the average person!

They make a few thousand dollars a month, spend most if it, and then dump what’s left in a savings account or index fund.

Why not use that money to grow your income?

What if you could make $10k, $50k, or even $1M a month?

Millions of people have done it, what's stopping you?

But KJ, where do I even start?

I have no clue what to do with my money!

That's why I am writing this letter.

I want to share with you...

The 5 Levels of Investing

Using these levels, you will have clarity on how to invest your money.

Level 0 (Setting up the game)

Before you can begin progressing through the main levels, you have to pass Level 0.

Some people live their entire life without passing this level.

Some people make six figures a year and never pass this level!

Don't be one of those people.

You may want to gloss over this step, but trust me. Don't.

If you take the time to master this now, it will save you millions in the future.

Let's begin...

To beat Level 0, you must become cash flow positive.

In simple terms: You make more money than you spend.

It doesn't matter whether it's $10, $1000, or $10,000.

As long as you end the month positive, you're good.

But you need to be positive every single month.

But KJ, how do I keep track of that?

I’ll show you what I do…

I recommend having two separate bank accounts.

For example:

Bank Account 1 (Normal account.)

• You get paid to this account.

• You pay your bills/expenses from this account.

• You buy all your non-investment purchases from here.

Bank Account 2 (Investing account)

• You ONLY use this account to make investments.

• Do not make any other purchases with this account.

• This is the account you will use to progress through the 5 Levels.

• (I use Paypal as my second account, its simple.)

Whenever you get paid from work, "pay yourself" by transferring money into your second account.

It doesn't have to be much — start small and work your way up.

But the more money you can use to invest, the better.

So let's go over how to maximize the amount of money you can invest each month.

1. Turn your spending into a game.

• Track every dollar you spend.

• You can use my tracking templates (here) or an create your own excel sheet.

• Use the daily template to keep track of your spending in each category.

• Use the monthly template to keep track of your “category high scores” each month.

2. Get better at the game.

• Once you know where your strengths and weaknesses are, you can start to improve.

• It becomes addictive trying to lower your scores each month.

Using these free tools, you will be investing more money than you ever thought possible.

Now that you are cash flow positive with a dedicated investing account...

Let's move into the 5 Levels.

Level 1 - Health

Nothing matters without your health.

Until you have a solid level of physical, mental, and spiritual health — there's no point investing in anything else.

Would you rather be fit, happy, and healthy — in a Nissan?

Or fat, anxious, and depressed — in a Lamborghini?

As someone who beat a two year fight with crippling anxiety, I can tell you which one I would pick 11 times out of 10.

But what does investing in health look like?

Here are a few basic examples:

• gym membership

• anything that enhances your sleep quality

• therapy sessions

• high quality food (organic foods without an ingredient list)

• high quality water (reverse osmosis filter or fresh spring water)

• nutrient deficiency tests

• high quality vitamins

• etc.

Your health is the most valuable resource you have.

And the best part is...

Investing in health is cheap.

• Fresh air is free.

• Sunlight is free.

• Walking is free.

• Water is cheaper than soda.

• Cooking your food is cheaper than eating out.

And the most important aspect of health — your faith in God — doesn't cost a dime. (Jesus already paid for it!)

If you need help improving your mental health I have a free guide here

Investing in your health will easily yield the highest “happiness ROI” out of the 5 Levels. — Don't neglect it.

And when you are feeling superhuman, every other aspect of your life will improve.

Level 2 - Skills

Once you have a healthy mind, body, and spirit— it's time to work on skills.

Skills in real life work the same as Runescape.

More skills = More $$$

Higher level in a skill = More $$$

I started college as a Graphic Design major.

Having messed around in Photoshop for years, I figured it was a good path.

About a month in, I found myself cheating on a historic arts test by googling the test questions. (Yes mom, I know this was wrong of me.)

But walking out of the classroom, it hit me…

What the heck am I doing here?

I’m spending multiple hours a day memorizing the names of 400 year old paintings.

If anyone can google these questions, this knowledge isn't valuable!

But I was young and dumb, so I let it go.

Six months later, I found myself helping a friend with her graphic design senior project.

In her four years as graphic design major, they didn't teach her one thing about Photoshop.

She had to ask a freshman (who learned Photoshop by trying to advertise his Minecraft server) to help her complete her senior project.

I changed my major that day.

That’s the problem with school.

You can't learn a skill from teaching alone.

You have to actually do the thing.

My family paid thousands of dollars to put me through college and I had only one skill to show for it:

I could memorize random facts and then forget them a week later.

But since graduating, I have tried my best to learn as many valuable skills as I can.

In the two years since then, I have leveled up in...

Swing trading, writing, copywriting, video editing, thumbnail design, sales, branding, speaking, funnel building, and email marketing.

I haven't mastered these skills. Not even close.

But do you see how I was able to triple my income by learning these?

As you learn more skills, they compound on each other.

That’s how you become valuable.

The truth of the real world is…

No one gives a frick about what you’ve memorized in a college textbook.

They only care about one thing:

How can you make me more money?

Once you learn valuable skills, you will be able to add value to businesses and individuals.

More value = More $$$

But KJ, what does this have to do with investing?

Well…

You need to invest money into learning skills.

Here's how you do it:

• Find a skill you want to learn.

• Start doing the skill. (Always start first, then improve.)

• Find someone who does that skill at a high level.

• Buy their book, online course, or coaching.

• Apply the lessons you learn as you continue practicing the skill.

For example:

• I realized persuasive writing is an valuable skill.

• I started to practice writing.

• I found best persuasive writer I could. (Dan Koe)

• I bought his writing course for $175.

• Now I'm using what I learned from his course to level up much faster as I continue taking action. (By writing these letters)

I could have learned how to write without buying his course, but it sped up the learning process ten fold.

Investing in skills is essential.

Once you learn a skill, no one can take it away from you.

Level 3 - Time

Once you have optimal health and valuable skills, you need time.

I spent most of 2022 working a 9-5 job.

During my off days, I would invest as much time and money into my health and skills as possible.

Towards the end of the year, I began to feel confident in the skills I had acquired.

I was making progress towards my goals, but I knew I could speed up the process if I didn't have go to work every day.

I was ready to buy my time back.

I calculated how much money I would need to live each month.

I started taking on extra work and stockpiling money in my investment account.

In September, I took the leap of faith.

I quit my job and for three months I lived off of the investment money I had saved up. (The time I had bought back.)

By the end of November, I had replaced my 9-5 income with my online business.

When you have great health and valuable skills, you can make fast progress towards your goals.

This is why Level 1 and 2 should be taken care of before you start buying your time back.

But once you are a value-producing machine, you want to buy as much of your time back as possible.

With more time you can:

• Learn more skills

• Level up your current skills

• Build your business

• Further improve your health

This will allow for more progress towards your goals then you ever thought possible.

Level 4 - Scaling

Once you have health, skills, and time… you’re ready to scale.

By reinvesting profits and time into your skills and business, you can scale your income even higher.

For example, let's say you own a lawn-care business doing $5,000/month.

Instead of dumping that money into an index fund or savings account, use it to scale the business.

Buy more lawnmowers.

Hire more workers.

Take on more lawns.

After a year of scaling, you reach $10,000/month in profit.

Instead of cashing out, you stay disciplined.

You reinvest that money, and the next year you’re doing $20,000/month.

Of course it's easier said than done, but hopefully you can see the potential.

Once you have the health, skills, and time — you can focus on scaling your income even higher.

Level 5 - Assets

Ahhh Level 5... the last level.

When you reach this level, traditional routes of investing start to make more sense.

Investing in stocks/bonds/real estate won't get you very far when you're making $30,000 a year.

But when you're making millions, it's a different story.

10% gain on $1,000 = $100

10% gain on $1,000,000 = $100,000

Once you hit this level, it's time to start investing into the markets.

For most people, this would be a decent time to invest in index funds.

But for me personally, I will always bet on myself.

That's why I'm learning how to trade stocks.

That's my end-game.

But if you don't care for the stock market, there are opportunities in every market.

Stocks, crypto, NFTs, real estate, watches, cars, etc.

I'll give you an example...

One of my mentors is passionate about exotic cars.

As we were getting coffee one day, he made I comment I will never forget:

I don't know why I fool with the stock market, the cars I've bought have doubled in value while the market's done nothing.

I had never thought about it like that…

From that conversation, I began to realize:

The best market is the market where you have the biggest edge.

Since my mentor has an insane amount of knowledge and experience with exotic cars, he is able to spot opportunities in that market that few others can.

This gives him an edge.

There’s no need for him to be in stocks when he has such depth of experience in the exotic car market.

Diversification is protection against ignorance. It makes little sense if you know what you are doing. - Warren Buffet

So find a market that you have an interest in, dive deep into learning the ins and outs, and manage your own money.

To recap:

• Invest in your health and skills to increase your income.

• Use your increased income to buy back your time.

• Reinvest your time and income to scale your business.

• Invest profits from your business in markets where you have an edge.

Hopefully this letter helped you gain clarity on the next steps you need to take financially.

Thanks for reading :)

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✅How To Make Money: https://www.youtube.com/watch?v=kNdqjb4ENlM