A part of me wishes to beat my head against the wall due to not studying, noting, and teaching myself about the stock market a couple of years ago. Gaining recent knowledge of the stock market has made me realized that I have wasted over a decade in figuring out how to make extra money. Due to my negative consequences, I do not recommend these tasks for you (American or Western man) to do:

• completing surveys on various survey websites (i.e. Toluna, InboxDollars, Survey Spot, MyPoints)
• reselling popular products including video games, soda drinks, snack cakes, clothes, etc. on eBay, Amazon, Mercari, etc.
• doing something (e.g. drawing clip arts) that you have little to no experience
  • Other people can sense your weakness and become skeptical in buying your work.
  • But, if you fall in love with that certain task and put your heart and mind in that activity, you might eventually win multiple customers, followers, and fans.

Instead, pay your undivided attention to a job, career, or business that excites or impassions you. If your family members, friends, colleagues, neighbors, and/or other locals continually deem your dream(s) as weird or worthless, then ignore and prove them wrong regardless of the consequences. Only God can see, know, and predict what is going to happen tomorrow, next week, next year, and so forth. Thus, you should talk and ask for His support in bringing your goals to life. Avoid leaving them within your brain/heart and taking them to the grave when your death occurs.

If you are truly interested in investing in your potential business for generating your income, then you should repeat the same for other companies by buying their stocks or shares. I advise you to join these popular online brokers according to their 4-star ratings on Google Play Store:

• Wealthfront
• Betterment
• Acorns
• Vanguard
• Charles Schwab
• Robinhood
• Webull
• moomoo.com
• M1 Finance

Do online/offline research, use a notebook for handwriting details about each brokerage website, plan which investments or assets that you crave to purchase, and keep buying the ones that are going to help you become wealthy someday.

I have come up with an original investment strategy in order to earn plenty of money for my future retirement. I cannot entirely depend on FCW business or a job for maximized profits. My top reason is the undeniable phrase “Do not put all your eggs in one basket”. It is very wise to have different sources for my salary. So, if something unexpectedly and unfortunately happens with one source, then I can turn to others for hope.

Continue learning about investments/assets on Google, YouTube, etc. has inspired me to write this blog post which may weird or unusual to you. I can imagine myself as a gardener even though I have little and previous experience with the occupation in the mid-1990’s. The gardener represents the investor or shareholder who buys partial ownership of a single or diversity of successful businesses and perhaps receives company dividends as rewards. What I need for growth is an amount of seeds which are portrayed as assets that can bought, sold, or traded in the stock market. To discover which “seeds” are going to grow and improve my financial health, I have to initially break them into the following 3 categories. The same thing applies to you if you also want to live a life of financial freedom too.

So, here is specific details about each type of “seed” or investment asset:

“trees” – assets that give us a high income

If you want long-lasting fiscal evidence and reassurance that you are going to become a millionaire/billionaire someday, Jaspreet Singh of “The Minority Mindset” YouTube channel strongly recommends these 3 particular assets to invest persistently:

• “hard” assets (physical and tangible products that you can see and touch)
  • Good examples are real estate properties such as land, residential homes, hotels, banks, churches, and other diverse business buildings.
• “paper” assets (digital/electronic and intangible certificates that notify you of partial ownership of company stocks)
  • Individual company stocks and maybe exchange-traded funds, mutual funds, and index funds fit in this small category.
• protective assets (physical and tangible products that you see, touch, hold, and hide from thieves or danger)
  • Something like gold, wheat, jewelry, or even cash and/or coins would describe this section.

“Hard” assets exist in order to help you fulfill customer demands at your job, business, or both. Other reasons are creating more products/services as well as satisfaction of your personal needs/wishes and those of your family and friends. “Paper” assets, which you can only see on your computer, television, or phone screen, are beneficial for giving you temporary or permanent verification of chosen stocks, bonds, currencies, and/or particular funds that you have invested. The good news is that you can make and print multiple electronic copies of the “paper” assets on physical sheets of paper just in case you need or want to win/retrieve a financial profit. Lastly, protective assets endow you with credibility and respect so that you can financially and forever enjoy them without any tension from feasible creditors, bankruptcy, divorce(s), and/or other financial enemies.

Whether you are interested in capitalizing in “hard” assets, “paper” assets, protective assets, or all of the above, you would still have something highly valuable and effectual. Despite of your background, allow yourself to be happier, richer, and shame-free. Howbeit, if you just want or need to earn maybe $50K to $300K per year, then proceed to the next group of assets that indulge your monetary goals.

“Investing for Beginners – How I Make Millions from Stocks (Full Guide)” video – “Mark Tilbury” YouTube channel

“plants” – assets that reward us medium or mediocre income

Money can go but come back to you with interest. Author Tom Corley of “Success” website explains a few purposes why thousands or perhaps millions of people end up in poverty, debts (i.e. student loan, credit card, so on), or both:

• regularly or impulsively buying products/services that they do not need
• often investing, renting, or spending excessive amounts of money on expensive things (like houses, gambling, vehicles, etc.) that can decay and become worthless eventually
• surely joining the crowd (e.g. relatives, friends, colleagues, etc.) through following their bad/negative spending habits and dealing with the ugly consequences of their financial, mental, and/or physical health
• refusing to save or track their current or prior transactions daily or at all

Nevertheless, it is not too late for the majority of humanity to change its attitude toward money. They can make a big transformation and increase their net worth if they invest in the proper assets, which I call “plants”, below:

• certificates of deposits (CDs)
  • If they are willing to suffer loss or face more difficulty in achieving their goals, then they should give their banks or credit unions small or medium amounts of funds for under 5 years.
• bonds
  • They must be patient and unbiased when it comes to this type of assets because they have to wait a certain number of years for a refund or retrieval of the money with added interest.
• property rentals
  • They are going to need a steady salary that covers the costs of housing, property taxes, and mortgage fees (maintenance, management, and vacancy) as well as taking on extra responsibilities if they face (extreme) obstacles with creditors, tenants, or both.

Individuals or teams of people who prefer to stay in the middle class need to teach themselves and take notes about finances, investments, and business establishment, operation, and management as I do. There are limitless and credible references to visit online and offline for successful details of how to gain financial, professional, and personal success. However, if they wish to get a better comprehension or make an easier and faster process of raising their wages, then they should contact financial/business advisors, take physical or online classes, or do both important duties. Above all, the people who are self-taught or instructed about finances/investments/entrepreneurship by professionals have a better chance of competing with the rich/upper class than those who willingly stay slothful, uneducated, indifferent, or negative about their financial situations do.

“Top 5 Assets To Include In Your Investment Portfolio” video – “Smart Money Bro” YouTube channel

“remaining seeds” – assets that leave us with very small income or nothing

Of course, no one is capable of predicting the future of the stock market. Only God has the ability to do so. But, He supports those who are willing to help themselves plus others monetarily, professionally, etc. Learning from them in addition to teaching them are great instances. If they reject or refuse to perform both tasks, then they are more likely to make plenty of investment mistakes. According to author John Csiszar and editor Katie Wudel of “Go Banking Rates” website, people with short or no knowledge of financial/investment education can lose their money from peculiar assets below:

• subprime mortgages
  • They are no different from too-good-to-be-true scams.
  • If people with low or poor credit scores invest in them for cheap prices or free of charge, they may be required or forced to spend high fees in the future.
• fixed and variable annuities
  • Recklessness of taking money out of their accounts before they enter certain ages can lead impatient investors to ridiculous charges for maybe the rest of their lives.
• penny stocks
  • Unless some people are fully aware of the phrase “You get what you pay for” or not stingy, they can be tempted to purchase these cheap assets which can direct them to victimization from market manipulators, liars, deceivers, and/or thieves.
• traditional savings accounts
  • If multiple human beings think that their account balances are going to remain the same or even ascend in the long end, they may set themselves up for disappointment or failure.
• email, print, phone call, etc. ads
  • If something seems too good to be true, then they should initially investigate and collect more data/facts about the companies, personnel, products, and/or services that may be scamming them.
  • Reviews and star ratings from current and past customers are excellent proof.

Being cheap, lazy, and/or ignorant can leave us broke and unhappy. I call the above investments the “remaining seeds” because they are either stagnant in growing or willing to stay like they are for good. If we depend on them, we may eventually give up and accept our low incomes as they are. Perchance discouraged, our potential children and grandchildren would follow our footsteps and bring our family legacies downhill with them.

“How Investors Are Tricked By Penny Stock Scams” video – “CNBC” YouTube channel

Conclusion

Gardening gives humanity a natural and remarkable perspective of how seeds, flowers, fruits, vegetables, etc. can evolve. Specific individuals are able to turn their planting skills into lucrative companies to create, sell, distribute, and improve the health of their future consumers through natural products. The same things apply with shareholders or investors anent their funds on the stock market, financial capacities, and monetary ambitions. To successfully follow a step-by-step strategy assists any of us in climbing to the top or walking toward the opposite side, which is usually the right surface, so that we can be next to our prizes.

If this blog post has unquestionably taught you the differences between “trees”, “plants”, and the “remaining seeds”, then you should be (fully) prepared for the beginning of your possible but triumphant investment journey. Otherwise, read another DIY (do-it-yourself) guide that I have exclusively made for you and other male readers. Like myself, you deserve to be enthusiastically aware of the distinct types of assets that you can “plant” and make so much money.

Please like, share, subscribe, and comment about what you think of this one of a kind blog post.

Also, visit my and Elizabeth’s YouTube channel for positive and significant videos about dating and connecting with Ukrainian or Eastern European ladies.

The international dating and traveling website (“Foreign Chat Web”) is still in the works.

But, you are welcome to visit and decide if you want a free membership. You can have immediate access to FCW videos, communication with other male members through them, and an opportunity to view profiles of stunning and sincere women. If you desire a conversation with any of them and a possibly serious connection with her, you can pay $50 for each video chat with her and an appointed translator. Another option is perhaps meeting her and other ladies in person on a future vacation in Eastern Europe. Just buy a 30-minute “Singles Vacation Consultation” service for $50 or the 1 hour version for $100 so that you can get support from a translator whom you can hire as your “wingwoman” during your trip.

Moving forward, I give you this financial method for your ability to read, follow, copy, and share with other humans who are curious about the “investment world” or tired of losing/wasting money.

Thanks for your cooperation.

The DIY “Investment Gardening Skill” Guide (8 Steps)

Step 1 – To understand what you are going to do, please take good notes while reading, listening/hearing, or watching videos of different investors/financial experts online and/or offline initially. The more information that you study and write on your notebook can help you avoid mistakes and invest in the correct assets for the long term.

Step 2 – Research, examine, and select online brokers based on their features, advantages, disadvantages, etc. I highly recommend these brokerage websites to join due to my experiences as well as good ratings on Google Play Store:

• Betterment (4.7 stars by 14K reviews)
  • You can pick between 6 various accounts, invest in certain assets based on a robo-advisor or your own decision, and customize your financial goals.
• Vanguard (3.6 stars by 9K reviews)
  • If you crave to put your funds on the best assets including the Vanguard S & P 500 ETF (VOO), Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX), Vanguard Real Estate ETF (VNQ), and Invesco QQQ Nasdaq 100 (QQQ), please research and write unlimited details about popular stocks, exchange-traded funds (ETFs), index funds, etc. first. You can save much time and frustration plus win more than enough money if you maintain investing or reinvesting in the same assets.
• Fidelity (4.5 stars by 141K reviews)
  • This online broker claims that it has a variety of financial options to pick. You can get in touch with experts via phone calls, social media, or live texting if you need help in using the appropriate account(s) for your fiscal desires.
• Wealthfront (4.9 stars by 8.22K reviews)
  • Although you have to pay a minimum of $500 for registering and making an account, you can fortunately buy, sell, and trade ETFs, index funds, crypto trusts, and other assets for lower taxes or fees. This brokerage source is predominantly for:
    • passive investors
    • middle-aged or senior adults (regarding retirement)
    • those who are socially responsible
    • those who do not need any support from financial advisors
• Robinhood (4.1 stars by 493K reviews)
  • Based on my experiences, you can create a free membership, choose a linked bank account or debit card as your main source of depositing money, and start buying, selling, and trading stocks, ETFs, crypto (i.e. Bitcoin (BTC), Ethereum (ETH)), etc. If you actually like the online broker and wish to increase your passive income, then you are able to upgrade your brokerage account to Robinhood Gold for $5 per month. As a reward, a credit card is offered to you for your qualification.

Step 3 – Write a list of specified stocks, ETFs, bonds, index funds, etc. that match or represent your financial goals. Avoid trading or selling investments that are going to cost you so much money and leave you regret someday. Watch these numerous wealthy gurus on YouTube so that you can select suitable investments that are going to free you from financial burdens, slavery, etc.:

• “Sara Finance”
• “Smart Money Bro”
• “Mark Tilbury”
• “The Minority Mindset”
• “Investing Simplified – Professor G”
• “Wealth Twins”
• “John’s Money Adventures”
• “BWB – Business with Brian”
• “Easy Peasy Millionaire”
• “Financial Mindset Academy”
• “Concerning Reality”
• “The Swedish Investor”
• “Jongho – Finance Made Easy”
• “Dan Martell”
• “Investor Weekly”
• “The Dream Green Show”
• “Everything Money”
• “Marko- WhiteBoard Finance”
• “Lumovest”
• “Viktoriya Media”
• “Karson Gaule”

Please write a list of the above mentioned YouTube channels plus more that I am unaware or have not discussed. Then, take notes of the spoken words of the individuals so that you define each difficult term on Google and/or another source and understand completely.

Step 4 – Start searching, buying, etc. the investments that interest you on the online brokers (i.e. Vanguard, Betterment, Acorns, Webull, Charles Schwab, Interactive Brokers, and/or so on) that you have joined. Make small deposits (maybe between $1 and $100 daily, weekly, biweekly, or monthly) for the assets in order to not worry or be afraid of losing much money if the stock market declines. The good news is that you can trade or sell the assets or investments that you no longer want if you change your mind.

Step 5 – As time elapses, you should feel more confident and comfortable in spending additional funds on assets. Analyze the ones that you believe, know for a fact (through hard evidence), or consider to be valuable or deserving of frequent investing or reinvesting. In my frank opinion, after watching and listening to certain investors on YouTube carefully, I give you this brief list of ideal investments that can probably make you rich in the future:

• SCHG (Schwab US Large-Cap Growth ETF)
• VTI (Vanguard Total Stock Market Index Fund ETF)
• DGRO (iShares Core Dividend Growth ETF)
• QQQM (Invesco NASDAQ 100 ETF)
• AAPL (Apple Inc.)
• NFLX (Netflix Inc.)
• META (Facebook/Meta Platforms Inc.)
• MSFT (Microsoft Corp.)

Please research and write down more ticker symbols of stocks, ETFs, index funds, and other assets that you are interested as well.

Step 6 – Review, clean, and prolong your investment portfolio (“garden”) at a minimum. I would suggest 3, 4, 5, or even 6 assets (“seeds”) for more ease and possible monetary growth. Make sure that your investments are diverse. For example, choose them by these subclasses:

• individual company stock (e.g. TSLA (Tesla Inc.))
• crypto (e.g. BTC (Bitcoin) or ETH (Ethereum))
• foundational ETF (i.e. VOO (Vanguard S & P 500))
• growth ETF (i.e. VOT (Vanguard Mid-Cap Growth ETF))
• dividend ETF (e.g. SPYD (SPDR Portfolio S & P 500 High Dividend ETF))
• real estate or real estate investment trust (REIT) (i.e. SLG (SL Green Realty Corp.))
• index fund (e.g. DJIA (Dow Jones Industrial Average))
• so on

If you just want to have a investment portfolio consisting of just 1 or 2 assets, you are free to do so. But, again, I recommend that you keep the number of assets to 6 or below. Narrow it to a smaller number of assets that are going to give you more shares of different company stocks or raise your passive income.

Step 7 – Have another brokerage account or even more on the same online broker(s) if you wish to invest in extra or upcoming assets. Organize and place them on particular portfolios according to their types, your wage, etc. For simplicity, I would advise you to have separate portfolios or accounts for:

• company stocks plus bond(s)
• ETFs
• index fund(s)
• cryptocurrency (or cryptocurrencies)
• the list goes on

Step 8 – Finally, continue learning, writing words or terms (i.e. rollovers, annuities, P/E ratio, bear market, and relative strength index (RSI)) that confuse you, and investing or reinvesting for your long-term aspirations. Get in contact with reliable, trustworthy, and caring financial advisor(s) who prioritizes your goals over his or hers. Take a financial or investment course if you wish. But, as long as you often accommodate, educate, and motivate yourself to study, listen to those with years of financial/investing experience, and invest in the right assets despite of the never-ending ups and downs of the stock market, then you should truly become a winner at the end.

A large sum of money (“tree”) with your name in print awaits you.

Share your “tree” with a beautiful “rose” for fulfillment.