Intention.

The enemy of progress and success is this mentality that “it will all work out”. This is something that I hear a lot, mostly from parents. When hit with a problem they just say it will work out or “all things work together for good”. This is a cop out. This allows you to be lazy and do nothing.

Right now I am on a journey of intention. What does intention mean? On purpose. With focus. An aim or plan. It means I MAKE the things I want to see come to pass I don’t merely hope that they do. I put the work in.

Want a great marriage? Make it so. Want you finances to be great again? Make it so, with intention. I put the work in. So many people want a great relationship and put the onus on the other party to create that. I do not. I have told people that I over index on love. I give to my marriage 10X what is required and I am not looking for her 1X. I just keep loving and giving. I took the responsibility to make my marriage great by doing whatever it takes not what is comfortable or convenient and definitely not by making it her responsibility.

Over the last two weeks I have been using the intention journal by bigger pockets. This requires me to plan the weak and then plan the day. At the end of the day I then review the goals.

I am also becoming way more intentional with my finances. I have begun bringing lunch, I’m cutting out the weekly haircuts and bi weekly massages and focusing becoming intentional about my personal growth. On purpose. I am in the lab right now. I am reading, listening and stacking. Hibernation mode.

On purpose, that means that I am taking actions aimed at the goal. I am not merely setting a goal and hoping it will happen. I am not setting a goal and saying “it will work out”. No, that goal is backed by steps toward that goal. The Intention Journal makes you identify your weekly objective and the most important next step. Its like the One Thing. The goal is to do the one thing that makes the other things easier or unnecessary. You knock down that one domino and everything else falls down.

For me, I had to take an inventory of where my money was going (uber eats). I also had to focus on bringing in more money (nights, weekends, evenings). I then put a plan in place.

A huge inspiration for this is the method of comfortability vs profitability. I have been very comfortable for too long. Birthdays, vacations, Charger games. I was wilding. This was ruining my profitability. I had to get ugly. Get ugly and grind.

So that is where we are now. Putting a defined plan that removes all comfort but increases profit and getting ugly. I am sprinting toward being uncomfortable.

Over the weekend my mentor told me to get some sleep because I look exhausted. I took that as a badge of honor. I should be exhausted. If I am not exhausted that means I am not giving it all it takes. As a man its my responsibility to push myself past my limits so that my family doesn’t have any.

This blog is about setting goals and then doing the ugly work to get those goals. This blog is about the process not the prize. This blog is about making it happen not pointing at what you wish would happen. This blog is about intention. Taking aim, getting what you want and getting ugly to get it. Walk with me on this journey for the next ninety days.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Don’t talk about money if we are talking about wealth

I made this point on the black wealth tweet talks podcast.  

I think that in a lot of ways we chase money when we need to chase wealth.  Money and wealth are not synonymous but they look the same. Wealth is measured in what you own, rich is measured in what you have.  One is temporary. 

The point was made because we were discussing people who build businesses, sell them and then watch the vision for their company fall apart. 

I always bring up that a business is more important than the net number, the stock price and the valuation. Businesses are about community. 

The reason why you see Asians come together and work for no money and work little lame jobs to build up one business is because one business can save everyone.  Business isn’t just about YOU its about all the jobs, the services and the power and control that comes when you own the businesses in your community. 

Another example we discussed on tweet talks is how by not controlling our businesses we lose control of what we consume.  We eat the food they feed us, we watch the tv they play for us, we listen to the music they produce.  If they can control what you put inside of you they can control what comes out of you. 

So this is why I tell people that the money isn’t nearly as important as having control of your destiny. You should never sell an asset that generates income and appreciates just for money.  Never.  Money loses value every year that you hold it and don’t put it to work.. Your asset can be leveraged but should never be sold. 

The asset shouldn’t be sold because the power is in what you own not in how much money you have. This should be the shift in focus for everyone. WE see it all the time when the person ops for ownership as opposed to money in the long term they are a genius. 

Jason Weaver is a big thing now. People are talking about how instead of taking the cash for his voice in lion king he took the royalties.  Or the man who took a few hundred grand instead of the ownership stake in Nike. Always opt for ownership.  

So this is motivation for us to start holding on to what we own, valuing what we own and putting less focus on the cash and flash.  Don’t sell that prop for pennies to the wholesaler. Don’t sell your time for pennies to your boss.  Don’t sell that business to the person who is going to buy it and blow it up.  Blow yourself up and keep all the ownership, control and power for yourself and your community.  

Ownership and control is the power and that power gives you enduring wealth not just a few bucks for the moment.  Choose wealth. 

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

House hacking: The battle between comfortability and profitability

The more comfortable you are, usually the more broke you are. This was a concept discussed on this week of the Bigger Pockets Podcast.

In this week’s episode they talked about house hacking. House hacking is when you rent out a part of your personal residence for Cashflow.

Whenever people bring up househacking there is always someone that says “I couldn’t do that” “I need my own space”.  I think that this is the mentality that is instilled in may of us from a young age – many of our parents have this mentality that “all grown people need their own space”.  People move out and think “I’m not having no roommates”.

Let’s look at the numbers though.  Say you buy a triplex for 200k.  one unit rents for 1k, the other rents for another 1k. your mortgage is 1200.  Congrats family, you make 800 bucks to live in your home AND you have no housing expense.  The world is your oyster

 One dope thing that comes from this is that the discomfort that comes from househacking also pushes you in other ways.  In the BP episode the ma was househacking his apartment and then rented out his room, he started sleeping on the futon in the living room.  This made him hungry.  He was then more motivated to get what he wanted out of life over and above just that house hack.

What he also spoke on was that he soon got used to sleeping on the futon.  So much so that even when the room was empty, he would sleep on the futon, the futon was his bed at that point.

I point all this out because many of us are holding onto our comfort and don’t realize that in doing so we hold onto our brokenness. Another is that that discomfort won’t be uncomfortable for long.  Lastly, the freedom that comes from giving up where you are now is where you need to dwell.  Get comfortable being uncomfortable, especially as a first gen wealth builder.

So many of us talk about what we can’t do or what someone is keeping us from while we aren’t doing whatever it takes.  We aren’t getting uncomfortable when what you want is on the other side of your comfort. 

House hacking in this airbnb era presents a huge opportunity to finally gain some traction in your finances. I recommend that you find a way and not an excuse.  Your wealth is in your comfort.  Get uncomfortable. 

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Just because it takes money out of your pocket doesn’t mean its not an asset

This blog is the answer to a question that needed more than a simple responding tweet. It needed a blog.

The tweet was that ‘a home is not an asset because it takes money out of your pocket’. Twitter folks love making this comment. A long time ago Robert Kiyosaki made this point and people have been using it to justify renting and bashing home owners. Stop it.

These twitter people go on and on about how property taxes mean you never own your own home or you will have to spend money in upkeep, you have to pay a mortgage and for the first 15 years its all interest, blah blah blah.

This conversation is what I am always taking about ‘wealth building on an elementary level’. We have got to level up.

That said, I would argue that even if a home takes money out of your pocket it is STILL an asset.

First, lets actually analyze the money going out of your pocket. 1) This is money you would be spending ANYWAY since you have to live somewhere 2) The offset is actually in your favor as you will see equity and debt pay down 3) Home ownership when done right is force savings. You need to still buy right, don’t just buy something you can barely afford and then blame the home when you need to blame yourself .

Not to go off topic but a lot of times smart people will say that when you pay off a home you actually pay twice what it sold for. For example, you pay off a 200k mortgage and including interest overtime you actually paid 400k. Not many know that, but even still, that 200k home, after those thirty years, is likely worth a mil. I was in a neighborhood in Whittier over the weekend where homes were selling for 800k plus. I looked at how much the home sold for and the guy paid 130k, in Cali, back in the eighties.

The truth is everything costs you money. Costing you money or taking money out of your pocket should not be the deciding factor on what you buy as it pertains to everything you buy.

Cashflow should not be the only deciding factor for what you buy. This is the problem of understanding things at an elementary level. We preach cashflow because it makes sense, but sometimes not cash flowing makes sense. Generalities and sweeping statements will have you looking foolish when you come up against someone who studies the space.

So, how is a home and asset? Well stats show that families that own their own home have more money saved for retirement, they have more stable finances, they send their kids to college more, they have less troubled children, they don’t have kids who have children out of wedlock, they perform better on the job, they get promoted more, the list goes on and on. This is worth the money to me. People spend more to get less.

What’s more, owning your own home isn’t’ just for you. You are focused only on the money that goes out of your own pocket and that is selfish, stop that. As I shift toward building a family and not just getting cashflow to buy things I have a new focus on life. I have a bigger focus and this gives me much more insight into the things I should be doing not just a one liner from Robert Kiyosaki. Therefore, I am paying all this extra money for my kids fam. Every mortgage payment is wealth for my heirs even if It costs me interest to get it.

When I read things I don’t just take everything they say. Rob says some great things but I can’t rock with everything he says especially not from a book that is over twenty years old.

At one point in time I wrote a series of blogs that I will post in my twitter thread breaking down all the reasons you should buy a home but to conclude, I will just say that just because its not an asset doesn’t mean you shouldn’t buy it. It doesn’t depreciate like a car, it will create more stability for you and your family and your income will dwarf that mortgage over time. I encourage you to level up your financial wisdom and don’t merely quote financial literacy zingers. You are better than that.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Leave a comment

Multiple jobs for multiple people?

On the internet the common theme is that working multiple jobs isn’t multiple streams of income.  I think you MFs are just lazy fam.

I think that people don’t value work, they tolerate work, they do enough work just to be broke.  They want passive income to free them up from having to work. These are the kind of people that will not retire early they are the kind that will work until the die

The most successful people are not the laziest people.  People like Bill Gates, Kobe Bryant, LeBron James, Elon Musk LOVE work.  They love the process. They love the sleepless nights and constant effort to improve.  Bill Gates said he didn’t take a day off in his twenties.

My goal is to recondition the way that we see work.  And to not turn our nose up at any source of income.

I have always felt this but it really resonated with me when I was listening to the Jay Morrison Money Church Monday episode where he was discussing how he will grind up and get the paper doing odd jobs if need be.  He said that he doesn’t have to be humble because he puts in the work.  He said that he backs up his words with work, not blogs. 

This resonated with me because most folks in our culture do not have that dog.  They do not have that drive or that grind but they do have that protest and complaint.

All streams matter.  I think that we are broke as a culture because we just don’t work hard enough.  We don’t work because we think work is punishment.  We think work is for poor people so we just chill and expect to live lavish without effort because that’s what the rich do right?

When you avoid work you avoid so much. You avoid the skills, the growth the everything.  I am reminded of this at a low level when I see homeless people just sitting there asking for money out of pity.  Then you see the Hispanic dude selling flowers.  That flower selling operation can grow into a huge operation later but begging will just keep you begging.

I don’t know if you know this but we are in last place in America and racism and oppression are not the reasons why.  We just don’t work.  I know a young kid who works two jobs, he is 19, he lives at home, he has no financial worries at all.  Meanwhile the black folks in that same community are getting by with EBT and section 8. That isn’t living. That will not progress you.  Your kids will see that and they wont have learned the values that will allow them to get it.

I think that in a lot of ways I am not different than anyone, I am just willing to do the work.  Yes I read more and have more degrees but what has always set me apart is that I just do the things people talk about.  This is because my parents get it in.  My parents aren’t chilling waiting on a hand out.  In the end, those people win.  The waiters do not win, I see them, I see how they turned out compared to my parents.  I look to my elders to see the end result not my lazy peers.

In conclusion, Any effort you put forth will turn into more. So focus on the effort not on the money.  I am here to tell you that multiple jobs ARE multiple streams but multiple jobs is not the end all. Multiple jobs will get you closer to your goals though. The goal should be to get to the end result not perfection in the process. 

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

TCIC Monday Email – Earnings Season

Greeting team:

This is the Monday email. Welcome.

This is an exciting time to be investing.  Its earnings season.  There is money to be made if you guess right. I have done very well investing into earnings season.  Here are a few tips that I want you to keep in mind if you plan to invest right now.

Follow the trend:  The trend is your friend.  When you are analyzing a stock going into earnings you need to find out where the trend is headed. Is it headed up, down or sideways?  This is important as a foundational tool to figure out what you should do next.

Chart: In looking at the trend you need to look at different date ranges on the chart.  I like the short term one-week chart, the midterm three-month chart and the 12m chart.  The three-month chart is important because it allows you to see what the stock has done since they last reported earnings.

News: Pay attention to the news.  You can usually find a ton of pre earnings reports where analysts report on what is important for the company in the quarter.  They will also give you and indicator of if they are bullish or bearish heading into earnings.

Go with your gut: I always say that I don’t buy the options of a stock I wouldn’t buy.  Earnings is not a short cut it just enhances the work that you have already done.  Don’t just buy options because it can pop if you know nothing about the company.  You must have a good understanding of the quality of that company to know if it is underpriced or overpriced. Trust your gut, don’t chase a quick buck.

Bet on a reversal: Sometimes, most of the times, earnings pop hard when they do the unexpected. This means that a company that was trending low after last earnings could surprise folks.  A company that was doing well could end up being all hype.  This is where being a contrarian comes into play.  All those reports you are reading and charts you are analyzing might be the reason why the stock is low or high.  New earnings and financial reports snap the stock back to reality. You want to be there to capture the gains when this happens.

In regard to our current portfolio, nothing has changed from last week. Still about 20k total liquid with 50k total assets. Our mid-month pull is coming and when that happens, we will get fresh money.

In regard to votes not passing, this was to keep everything from passing. Let’s try to have votes monthly like we used to do.

Conference call will be next week.  Look for that. Feel free to reach out if you have any questions.  Happy investing. 

“Monday” Email

Greetings all,

I’m writing this in the back of an uber.  Lol shout out to the OC.  Such a crazy place.

I don’t really have any updates to talk about, I did want to mention that it was good to see some movement in the club with proposed trades. Some passed some did not.  Such is the essence of the club.  I want to encourage you all to take control of the club, this is a group effort and your input and recommendations only make us better.

Todd Inv Club A has A value of 30k still, 9300 in cash. We will be putting that to work this week, I promise you

Todd Inv B has a value of 20k with 9200 in cash. Again, will be put to work.

Jamaal posted a tweet that I stand by and that is to find value.  I am a value investor, buffet is one, we are a value investment club IMO.  Thus, we should be seeking value.  Value isn’t always pretty. Value is usually the stuff people hate, where you see the bad reports, the news hates them nobody is recommending them, everyone is laughing at you for losing 40%, that is the value.

GC made the point that everyone says that if you invested in amazon twenty years ago you would be rich but nobody was buying amazon back then.  He is right. Values are based upon buying activity.  If people are selling the stock goes down, if its booming they are buying it up.

This price is an indicator of market sentiment not fundamentals a lot of time.

I say this because we need to continue to buy the ugly not chase the pretty.  There are highs out there, lets avoid them.  Let’s chase the stocks that are getting beaten down and battered.  Let’s chase that IPO that got halved.  Let’s change those med marijuana stocks that got halved from the hype. 

The opportunity is in the value, lets get it.

If you have any questions, please contact Pierre and Thazier they have the sauce. 

Entrepreneurship is not optional

This morning I was on IG like I do too often and I came across someone’s IG caption that said “I used to think that entrepreneurship was optional”.  The comment was related to a post about how what she was doing isn’t fearful or scary but second nature.  

It was Dana Chanel and she was talking about how buying a 400k property and redeveloping it or buying a 100k shell shouldn’t be seen as risky but instead as an opportunity as second nature as something you would obviously be doing.

Optional?

The comment “optional” triggered me.  It was triggering because sometimes we think that building a business is an added bonus or a maybe or something you do when jobs are low or something you do when there aren’t any conflicts with your current position.  Nah fam, entrepreneurship is mandatory.  We must all be building something. We must find a way to always be building.

Change Your Thinking

The key is that the way we view things must change.  Instead of looking for a raise we must look for a product to sell.  Instead of looking for a new job we need to look for a new rental property or a new business to buy. I love how Chris says instead of trading your 40 hours for 20 bucks each hour to make 800 dollars find a 20-dollar product to sell to 40 people.  This is what the wealthy do.  The wealthy do not work for money they trade goods and services for money.  The idea of not being an entrepreneur is not an option. 

Find a Hustle

This relates to a blog I wanted to write earlier this week.  This weekend I was in Watts and I came across some young men selling candy. I expected to see kids when I heard about them but they were teenage boys.  I bought the whole box of candy.  Standing next to them and witnessing the transaction was a homeless lady who has been begging in Watts for the five years I have been there on weekends. She wanted a quarter, I told her to get a hustle.

The key is that we all need a hustle.  We don’t need the next tech idea, we don’t need to compete with the big guys, we needs goods that we can exchange for money. They money I gave those men was well in excess of the little quarter the the homeless chick wanted, but she didn’t have a hustle, she brought no values, she wanted something for nothing and she lft with nothing. 

If you are a professional entrepreneurship is not optional.  If you are jobless, entrepreneurship is not optional.  Get it through your head that you need to not only get your jobs money but you also need the worlds money.  Not marketing your business to the the world in this day in age is just irresponsible.  There is so much money to be made.

So with that said, if you see me promoting my products online don’t hate, just know that I am doing what is required of me. I am serving my people. I am providing a way that many don’t have access to and I am doing my duty.  Entrepreneurs and capitalists do more taking than giving.  This is the new age.  WE aren’t isn’t slavery times an we aren’t in pre union pre min wage days.  These days capitalism is fair.  Capitalists are necessary to improve your community.  The fools that complain about it from a community full of people who don’t produced but consume what is produced and are unwilling to actually produce things in a country that rewards producers are only going to extend the time upon which we are in last place.

Capitalism, entrepreneurship is your duty, your obligation and your responsibility.  Go build something fam.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

The stock market is how you get your money up

In a perfect world you inherited wealth that allows you to own things.  In real life you are probably working with your paycheck and the few bucks that you can save after paying your bills. 

I know you want to own rentals or buy a truck but usually you will need a few bucks to get in the game. How can you do that? Well, insert the stock market.,

For a while I was over the stock market.  It can’t Cashflow, you can’t control it, its overvalued.  The stock market, when you have big bucks is not the game you want to play. 

However, the stock market allows you to turn small into big.  If you are smart and can time your plays right you can swing trade, day trade, trade options, trade options into earnings or go long into earnings.

Swing trading is when you buy something that has the momentum to make a big move in a short amount of time.  You can tell this is going to happen when there is a catalyst or sometimes bad press.  You make your money in stocks when you get big moves and swing trading allows you to do that and pick up outsized returns that can make your small money big.

Options: Options are a form of leverage.  Options allow you to buy a contract which is 100 shares of a company.  This is important because you don’t actually have to buy 100 shares (you have small money remember) to get the benefit of that 100 shares.  For example, you want to invest in AMZN but you have 1k.  Congrats, you can’t invest in AMZN – You can, however, buy one contract of AMZN for $250. If AMZN (Priced at 1857 today) goes up 10% and you own one share, you get 180 bucks but if you own options you get that 180 times 100, $18,000 dollars on your $250 play.  I think that’s worth the price of admission fam. 

The downside of options is that you can lose all that you invested.  The upside of options is you can see 100%-400% and sometimes infinite returns with options.  My best option play yielded me about $10k in one day when I bought ahead of earnings. 

A lot of people are trying to get to the point where they don’t have to play the stock market but until that time, they should be playing the stock market. You should systematically throw money into the market.  As you get paid, pay yourself first and put that money in the market every month steadily taking risk and seeking to grow your baby money.

I love the quote I saw from wall street trapper which was save your money in your brokerage account.  I always say that investing is a way to trick yourself into saving.  This is a double whammy.  You invest, save and throw your money at some risky stuff to grow your cash up.  What do you have to lose? *Donald Trump voice*

The stock market can be conquered but it will take work, reading and research.  You have to immerse yourself in the markets just like you immerse yourself in real estate content like podcasts, books and conferences.

This is important because when you do this you will spot patterns; you will spot trends you will start seeing money making opportunities.  Those opportunities, coupled with either a swing trade or an options play will grow your paper. 

Do not believe that working, saving and trading time for money is going to grow your money up.  You will have those anyway. You can always work and you will always work. What makes you better is when you do what other people are doing and then do more on top of that.  That MORE is putting your money to work.  Do that in the stock market before you get to the bigger stuff.  You must take advantage of the stock market to amplify what you earn.  Be great.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire

Find your purpose or you’re wasting air

We all love Nip and we all quote this line but I think we quote it using the cliché follow your passion thinking. When I was reading Ash Cash book this is exactly what he did. I was thrown for a loop.

Ash was equating purpose with passion and I was like nah fam. Nah. We think that passion equals purpose and I am here to tell you that it is not.

Passion does not mean purpose even though we would like for it to. We want to do the work we enjoy while the big problems pass us by and never get solved. “That’s the government’s responsibility fam”. Stop it. There is more to life than merely being passionate about your work. There is more to life than merely doing the things YOU enjoy.

I believe that PURPOSE is about doing the work that matters not merely the work that you ENJOY.

Purpose: Something set up as an object or end to be attained (https://www.merriam-webster.com/dictionary/purpose)

Passion: Intense, driving, or overmastering feeling or conviction

So what do I mean by this? I mean that for men, your purpose, is to love your wife like Christ love the church because God wants women to have husbands whether they deserve them or not. Christ loves us unconditionally whether we deserve it or not. Therefore you must love your wife not based on whether she does the things to warrant your love but because God mandates this.

Your purpose is to leave an inheritance for your children’s children. It is not the governments responsibility to do these things. Therefore, you must do the work, make the sacrifice to see this through. It wont be easy but it will ensure that future generations start where you end not where you began.

I believe our purpose is more focused on the things we are put here to do not just the things that bring us pleasure. Chasing pleasure is why men duck their responsibility. They do what they want not what God requires. In turn they under achieve because they chased what felt good and not what is required of them. Chasing pleasure is why people leave marriages when its not “perfect”. Instead of learning through the struggle they blame the other person and move on. The person who does this misses out on the growth because usually its YOU who is the problem not your mate.

I believe your passion can drive your purpose but your passion should not be substituted for your purpose. If we focused more on our purpose (solving the problems in our community that need solutions) we would have less rappers, strippers and athletes and more entrepreneurs and business owners. Job creators not professional complainers. The purpose is to plug the gaps that exist in our society with our work not just get money and look good while we aren’t doing good. If successful people did this we would have safer neighborhoods because they would focus on the problem not just being the one that made it out. What is your purpose? Its bigger than a few bucks.

Why is this important? It’s important because the follow your passion stuff doesn’t yield the true results you want in life. Life comes to the people who do what they are supposed to do not merely what they enjoy doing. We need more people doing the work not just the grinding to buy expensive things or worse, foregoing the work to chase a pipe dream that never manifests. Too many aspiring rap stars and athletes, we need more trades fam.

We must do the work that hurts not the work that looks and feels good. For example: Health comes to the person that works out when they don’t want to work out. Success comes to the person that studies when they are supposed to study. Wealth comes to the person who invests when they could spend.

We, as a culture, need to focus on doing the work that is required of us not merely what is comfortable and easy. When we make that shift the true rewards will accrue to us. Find your purpose, not your passion, don’t waste air.

Enroll in the Trade and Travel course with Teri. Use the link www.investor101.org to sign up. 

Check out these great products from our partners

Hood Estates Trucking: bit.ly/2JQQnlZ
Hood Estates Elite Real Estate: bit.ly/2HCXD25
Ericka Real Estate: bit.ly/2HqKiLb

REI Leadz $100 website: reileadz.com/todd

Lastly, the Investing 101 Class is on sale for half off at this link: https://www.udemy.com/what-they-didnt-teach-you-about-money/?couponCode=TODDCAP50

Check out the Todd Capital Store at www.gumroad.com/toddcapital

If you are interested in investing with our club on either the stock or real estate side we would be happy to welcome you into the partnership.  

You can join either through one of these links: 

TC Stock Investment Club slack: launchpass.com/p/tcinvestmentclub
HBCU Capital Real Estate slack: launchpass.com/p/hbcurealtytoddcapital

Thanks for reading!

Be great, invest well,

Todd Millionaire