If you (American or Western man) are worried or frustrated with money, you have come to the right place.

Clarify your mind, think smarter with the funds that you spend and save, and start learning about investments. If you do not know the definition, here it is:

invest – to place money in something that can turn into capital or high profit in the future

Furthermore, study the terminology of finances such as:

• stocks
• bonds
• dividends
• IRA (individual retirement account)
• ETF (exchange-traded fund)
• commodities
• corporate bonds
• real estate
• cryptocurrency
• certificate of deposits (CDs)
• mutual funds
• money market funds
• S & P 500 index
• term deposits
• so on

Here is a list of 10 good investment websites or mobile apps based on 4-star rating reviews on Google Play Store website/app:

• Webull
• E*TRADE
• Vanguard
• Robinhood
• Fidelity Investments
• Betterment
• acorns
• SoFi
• Stash
• Zacks Trade

Consult financial expert(s) for assistance, guidance, and full understanding if necessary.

Otherwise, please read my rationale of your motivation to register, create an account on an investment website/app, and begin purchasing investment assets:

Reason 1 – to avoid ending up broke at a senior age

No one prefers to be short of money. If your family members, friends, and even pet animals become aware of your downfall, they may instantly have a negative opinion of you. Losing your job is worse. Howbeit, it is never too late to become employed again. To prevent your net worth, bank account(s), or income from decreasing or becoming negative again, begin saving a small percentage or amount of money in a separate account or place (where the funds can stay untouched) every week, 2 weeks, or month. Spend money mainly or only on necessary transactions such as rent, water bills, electricity bills, food, household items, etc. Then, start learning the basics of finances and investments. Create a DIY (do-it-yourself) course and call it “Finances 101”, “Investments 101”, or another similar title. If you wish to take an actual class, sign up and pay for it online or at a local community college. Despite of which option that you pick, entirely pay attention to the solution of your financial issue plus the use of your financial, personal, and/or investment assets to your advantage.

Rick Munster of “MoneyFit.org” website highly recommends that you accomplish both duties by making a 401(k) plan through your potential employer or IRA (individual retirement account) on 2 or more investment websites/apps. A financial or investment advisor from Everhart Advisors firm has assisted me in developing an online 401(k) account with NetBenefits which is a subsidiary of Fidelity Investments company. I am just astounded of the money that I can earn for my retirement if I constantly purchase stocks, bonds, and/or other investment assets online. Like myself, you should:

• do the same financial work
• find out where most of your money is frankly going
• discipline yourself in order to save and/or invest enough funds for your future needs

Instead of following the crowd who, in the long run, eventually becomes penniless or bankrupt because of its temptation to keep buying unnecessary products/services, you and I, after learning additional details about finances/investments, can thus think smarter and make better fiscal decisions with our average or minimum wages. We can earn so much money in the future that we can buy whatever we want/need for ourselves, our loved ones, and even total strangers in need. Everyone should be totally satisfied ergo.

Reason 2 – to build a profitable business based on your passion

If you have a dream business like I do with my Ukrainian friend (Elizabeth) of 6 years, you may be willing to do anything it takes to make your company survive and thrive. In addition, you may become (more) interested in investing in exchange-traded funds (ETFs), stocks, bonds, etc. even if you lack whole understanding of the assets as I do. To be more organized, consistent, and progressive, buy yourself a handwriting notebook and a pack of ink pens (red, black, and/or blue) or perhaps type separate document files for listing financial keywords, subjects, how-to steps, etc. alphabetically. Nowadays, you cannot fiscally rely on other people including your own relatives and friends to teach, guide, and assist you with your long-term goals. If you crave entrepreneurship, affluence, respect, and an entire escape from mediocrity, low income job market, and little self-esteem, keep following and listening to God who continuously speaks to you on the inside. After all, He has purposely put your passion (i.e. baking desserts or renovating houses) within your heart so that you can expand and turn it into a huge success with unstoppable, undefeatable, and unlimited power.

Pay (extra) attention to your heart or passion when it comes to something that you truly desire. Develop a realistic and creative business plan step-by-step. Repeat such action with your possible financial investment plan too. Figure out how much money you need to save or invest for the positive outcome or goal of your dream company. Regularly spend a small amount of money or percentage of your salary for stocks, ETFs, etc. Consequently, you are capable of earning an overflow of funds to not only take your ideal business to the next level but also redo for the sake of your loved ones, acquaintances, and/or total strangers with needy but compassionate and deserving hearts.

Reason 3 – to purchase whatever you need/desire regardless of expenses plus remaining amounts

Age, educational level, financial status, etc. do not matter candidly. Everyone, from early childhood to senior adulthood, must save, spend, and invest his or her income discreetly. According to the words of “Investopedia” writer Alan Farley, he or she must begin investing instantly or as soon as possible whether he/she studies it (through online articles, YouTube videos, and/or physical books) or grows tired of losing money frequently. Paying between 1% and 10% of his, her, or even your weekly, biweekly, or monthly stipend for investments is a great start of your financial journey. Once you earn $50,000, a double amount which is a $100K, or even up to a million dollars by the time you retire, you may be on cloud nine. What an remarkable feeling that you are about to experience when you no longer have to worry about your spending habits affecting your account balance(s) negatively.

“I Quit My $21K Day Job to Start My Own Business…” video – “CNBC Make It” YouTube channel

Reason 4 – to gain freedom from the disadvantaged 9-to-5 job

Who wants to keep being a slave to a job of unhappiness, stagnation, dehumanization, and minimal wages? Maybe you can get enthusiasm from 1 – 3 employees/employers who are blind or adamant in denying the ugly/brutal truth about the workforce. But, most likely, everyone around you is going to do his or her best to escape and move forward to other jobs that give them more benefits. Another option is establishing a business in which he, she, or you can do whatever you want anytime, anywhere, and with anyone you like, trust, and respect. Just make sure that you remain optimistic, supportive, and truthful with everyone because you really do not know who is willing and able to make your company triumphant someday. The business (e.g. a nonprofit organization) of helping or prioritizing the needs of humankind is going to endure perpetually and despite of your obstacles.

Famed entrepreneur, author, and financial investor Luisa Zhou counsels you to register and purchase stocks, real estate, etc. on investment website(s). Nonetheless, you need plenty of patience to grow your assets. If you fail to wait a long period of time for your financial goal(s) or retirement plan, then you can perform these possible tasks that might speed up your objective(s):

• borrowing extra funds or asking others for loan(s)
• investing excessive or recurrent time, payments, etc. in your ideal business(es)
• buying affordable physical assets that are easy to repair, improve, and charge for higher prices

Use your disappointing and uninspiring 9-to-5 job, low income, and living situation to your advantage. Come up with a strategy so that you can commence investing in something that can profit your online account(s) tremendously. You can wholeheartedly and repetitively succeed with the “turning trash into treasure” mentality or “turning a negative into a positive” mindset.

Final Reason – to spend unlimited time, money, etc. during an ideal vacation with maybe an ideal girlfriend/wife

If you let your limited circumstances, debts, and/or shortcomings discourage or cause you to lose faith/hope in yourself, then you may be stuck in permanent misery and regret. Avoid following the footsteps of your peers, relatives, friends, and other locals by putting more effort in your ideal business, career, or job. Inflate the amount(s) of money in your possible investment account(s) every time (or other time) you get paid. In other words, accomplish what others, including rich individuals, are refusing to do because it is/seems risky, weird, and/or a waste of time, money, and other resources. The Lord Jesus Christ has intended you to think and behave differently. Becoming a positive role model to others is a good example. Also, listen to Him through your heart and dare yourself to make a big change in your life financially and professionally as I have with FCW business. Writer, speaker, and entrepreneur Kevin Paul Scott, through a certain article on his own blog, says that you really need little or no money at all in order to concentrate and expand your resources, knowledge, and skills. What is inside your mind and heart can elevate and lead you to the fullness of your destiny. Therefore, retain a positive attitude as well as have a small portion of your money saved, invested, or both time after time. When you enter the retirement stage, enlarge your dream business, or do both work, you should have loads of currency that can promise you:

• nonstop financial security
• infinite chances to go anywhere you crave, buy anything you wish, and so forth
• the golden opportunity to seek your future wife/girlfriend whom you can trust and share your wealth/possessions

My Experience Dating in Colombia 🇨🇴 (as a gringo) – “Jake Runnels” YouTube channel

Conclusion

Like myself, if you are still in novice stage and do not have a complete comprehension of finances, investments, etc., please get yourself a notebook and pack of ink pens so that you can begin planning, writing, and organizing keywords, topics, and questions that concern or bother you. Create a DIY terminology that helps you learn about stocks, bonds, IRAs, REITs, cryptocurrencies, etc. step-by-step. If you want more professionalism of the lists of financial information, then perchance go on Microsoft Word software and create document file(s) for yourself. I highly recommend you to do those particular tasks that may help you:

• study everything that is required for your mission
• avoid hiring a financial advisor or professional who may be busy, indifferent, and/or expensive now or later
• select the best investment website(s) and assets (based on their pros and cons) to purchase and turn you into a possible millionaire or billionaire at some point in the future

There is that quote “Do not put all your eggs in one basket”. So, what if a broker or investment company (i.e. Vanguard or Webull) that you have joined enters bankruptcy? In addition, what if you face (extreme) difficulty in obtaining, borrowing, or retrieving a large sum of money from your investment or brokerage account(s)? You probably should grasp the possibility of never seeing that retirement fund(s) again. For that reason, you should be willing and capable to register and create an investment/brokerage account for each of 3 – 5 separate investment/broker companies. Continue paying a small percentage or amount from your paycheck or direct deposit fund weekly, biweekly, or monthly. Give the worrying of potential loss or theft to the Lord God so that He can can direct you to a life of peace, joy, and luxury.

I wish that I have learned more information about stocks, ETFs, mutual funds, and other financial keywords a couple of years ago or maybe around the time I have started this blog. I can visualize how much money I would have today. But, fortunately, I have zero regrets due to the plethora of videos and exceptional website of FCW business that Elizabeth, I, and a group of web developers are still working. If I have instead spent all that money on junk food and materialistic things that become worthless today, then I would indeed feel inferior. I thus give thanks to God for guiding me in the right path and helping me make a life-changing business decision without regrets.

Push yourself fiscally.

Teach yourself everything that you need to know for an easy progress of your financial journey.

Simplify and organize the difficult process of finances and investments.

Live like a king on top of the world someday.

Buy the house, vehicle, etc. of your dreams so that your family and friends would become flabbergasted.

Begin a valuable journey to international love with a foreign woman who fulfills/exceeds your expectations.

She, with such invaluable traits to enrich your life, would become a prime example of your legacy.

If you like this blog post and wish to commence saving or investing stocks, ETFs, bonds, cryptocurrency, an ideal business, or anything else that is worth a lot of money sooner or later, please do so.

This world needs more positive influencers like us.

I would conclude this blog post with this long but logical 10-step investment/fiscal plan to help you escape from being broke or owing debts, become financially free, and do whatever you want/need with your money with the right woman by your side.

So, without further ado, please read, copy, and share my words with others who are struggling with money.

Thanks.

The Journey to Financial Freedom and Success (10 STEP METHOD)

STEP 1 – Get a notebook, a pack of ink pens (black, blue, and/or red), and something else necessary for preparation of reading and taking notes simultaneously.

STEP 2 – Have an organized or structured mentality by putting together all of your notes, keywords, questions, etc. in alphabetical order. In other words, create a list for each letter (from A to Z) on each page or sheet of paper of your notebook.

STEP 3 – Begin researching sources online, watching YouTube videos, and so forth in order to write and collect words such as stocks, IRAs, bonds, bitcoin, cryptocurrency, Acorns, J.P. Morgan, crypto.com, commodities, and the list goes on.

STEP 4 – Keep investigating different investment websites, watching videos, and taking notes on additional keywords/topics/names alphabetically.

STEP 5 – Use the same notebook or a different one for development of a DIY guide of how to invest in something (e.g. stocks and bonds, cryptocurrencies, real estate properties, or a dream business) that can help you make a lot of money for your retirement savings plan.

STEP 6 – Research, review, and select the appropriate investment/brokerage websites based on what current and previous customers truthfully say about them. Google Play Store website or mobile app is a great source for visiting and gaining other perspectives.

STEP 7 – Register and become an online member to the investment websites which are right for you. Watch helpful videos and/or research how-to guides of picking the right type of account, choosing which investment assets to buy, etc.

STEP 8 – Link your bank account(s) to each brokerage account and wait for approval so that you are able to start investing and choosing the amount of money you wish to pay for investment assets (i.e. stocks, IRAs, bitcoins, etc.) per week, 2 weeks, or month.

STEP 9 – Consult financial advisor(s) or expert(s) if you face any problems with your investment account(s), asset(s), or anything else.

STEP 10 – Continue paying a small percentage or amount (from your income) for investment assets in each investment or brokerage account. Let your “seed” turn into a “tree” so that you can have a large fund in each investment/brokerage account, become rich and wealthy someday, and enjoy the rest of your life with a worthwhile and marriage-minded lady.

“Top 9 Dividend Stocks That Pay Me $1,000 Per Month | Passive Income” video – “Sara Finance” YouTube channel

I highly recommend that you watch a video from this rich/wealthy YouTuber. Learn the best and most information about investing and receiving a high passive income from an investment or brokerage account. If you enjoy her video, please watch her other financial videos, take careful and organized notes of her words, subscribe to her YouTube channel like I have, and/or even contact her or leave your honest comments for her to reply.

In order to become a master, think like one and/or get much support from him, her, or them.