Not Me, But You!

Send us a text Season 2 Episode #37. Not Me, But You! Podcast. I've grown really tired of all of these online "gurus" and "creators" spending so much time introducing topics in podcasts/Youtube videos. Suggestion: do less introducing and just get into the topic! The elusive unicorn investment really comes from a place of fear. It comes from believing that you should avoid risk. However, rich people become rich by TAKING risks. Wealthy people buy/hold assets. Poor people buy things. What is your focus? The unicorn investment (that doesn't exist on planet earth) is an investment that is 100% guaranteed to make a profit and has ZERO risk. That doesn't exist. You have to be willing to take SOME risk in order to become wealthy. Finding ways to increase your weekly and monthly cash flow is your pathway to build wealth. I share specific high yield dividend stocks/ETF's/closed end funds in this episode! Know that the true rate of inflation runs 8% to 10% per year. So in order to be a successful investor, you must earn MORE than that, on your investments, in order to be able to afford rising costs in the future. When you retire, you don't have to stay in the same geographical location. Southeast Asia is a very inexpensive place to retire. Your money will go very far there. And as long as you have an internet connection, you can continue to invest and make money online. Check out places on Vietnam, Thailand, Malaysia. Bitcoin is a brand new asset class. It will change the way you live in the same way that Apple changed the way we took pictures (using our phones to take pics instead of a separate camera with film!). Bitcoin will transform the financial industry in the same way Apple was disruptive and created Smart Phones that allow us to use our phone for: banking/investing/taking pictures for FREE/watching movies and videos/listen to music etc. Consider buying/holding assets and when you asset goes up in value, consider using the "buy, borrow, die" strategy and take a loan against a small portion of the asset. That way, you NEVER sell the asset! Food for thought. Get used to feeling and taking some form of calculated risk. Don't be afraid of making mistakes. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2, Episode #36. Not Me, But You! Podcast. 20 minutes on Warren Buffett. There are two basic investments game/scenarios. If you are already very wealthy (multi millionaire) then your investments goals, as a wealthy person will likely center around a strategy to NOT LOSE MONEY. That is called Wealth Preservation. Contrast this investment approach with someone who is trying to become wealthy. That person is playing a different investment game from Warren Buffett. That person who is trying to become wealthy is playing the Wealth Accumulation game. That isn't Warren Buffet's game. He is playing Wealth Preservation (as in he is trying to not lose money). So it's important to know first, which game are you playing? If you are engage in Wealth Accumulation, then you must be prepared to take MORE risks with the chance to make MORE PROFIT, than Warren Buffet does. Warren Buffett already has ALL of the monthly cash flow that he needs! That is in essence, why he is "retired." He doesn't need to go to a job where he trades time for dollars (fiat currency). They way we, who are playing the Wealth Accumulation game, increase our cash flow is by investing in high yield dividend stocks/ETF's/closed end funds like OXLC, and OARK, and YMAX or XDTE, or QDTE. And save your wealth in the best performing asset on the planet, Bitcoin. However, Bitcoin does not PAY us cash flow, but it is the best asset to save your money in because Bitcoin PRESERVES your purchasing power of your wealth. One of my favorite Tony Robbins quotes: We don't experience life. We experience the life that we choose to focus on. My life suggestion: Stop focussing on politics or watching videos on Tik Tock. Instead focus on making more money for you and your family. Find ways to "push buttons on your phone" and INCREASE your weekly/monthly cash flow. Find assets to buy/hold that pay a WEEKLY dividend and every Friday can be a pay day for you! Use ROTH IRA's to your advantage. Have 3 types of trading accounts: regular brokerage, traditional IRA, and a Roth IRA. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2, Episode #35. Not Me, But You! Podcast. Cash flow is king! You know what you can do with more cash every month? Answer: whatever you want! Learn to push buttons on your smart phone and make more money! Do what wealthy people do- buy/hold assets. Make every Friday a "pay day" for yourself! Buy/hold Bitcoin. Buy dividend paying stocks that are truly "high yield." If the true rate of inflation is 8% per year, that means the cost of everything you buy goes up by at least 8%/year. So when investing, why would you put money in an asset that pays you LESS than 8%/year?! Will one gallon of gasoline ever cost just $1/gallon again? Will one gallon of milk at your grocery store ever cost $1/gallon again? Answers: never will those things be that cost. That is due to inflation rising at least 8% ever year. One day, Big Mac's at McDonalds will cost $60 and $70 per sandwich. This is why we need to build cash flow! And then keep adding to it. Keep investing in assets that you are buying/holding. You already live and transact in a digital economy. Most people today, use either a debit card or a credit card (or even their phones linked to one of those two types of cards) to pay for things! You are using "digital money." So don't avoid SAVING your money in Bitcoin. No one who has bought and held Bitcoin for at least 4 years, lost ANY money! Every 4 year cycle, Bitcoin hits a new ALL TIME HIGH price. So what does that mean to you? It means that you will NOT lose money if you simply buy/hold Bitcoin for at least 4 years! So WHY are not buying any? Why are you skeptical? At what price will you begin to believe in Bitcoin as the BEST performing asset on the planet? I name specific "high yield" stocks/ETF's/closed end funds that you can invest in that will pay you monthly! Chances are good that you did NOT learn ANY of this information in school. But if you own a smart phone with a connection to the internet, then ALL of this information is available for you to learn. You simply need to take action. The three best types of stock accounts we all should have are: 1) regular brokerage account with access to margin. 2) a traditional IRA. 3) a Roth IRA. Some "experts" tell you to accumulate a big pile of money and then once you retire to WITHDRAW 5% of your total pile to live on each year. I do NOT like that approach. Instead, I build cash flow until I have more cash flow each month, so that I can pay my bills each month, with EXTRA money left over which I then continue to invest in assets! Have courage today, to pick one thing, and work on your dreams! Invest ruthlessly. Give Generously. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #34. Not Me, But You! Podcast. In this episode I list high yield assets that can pay you cash flow, weekly, monthly, and quarterly (every 3 months). The dividend yield of these assets range from 22% to 180%. Do they involve some risk? Answer: YES! But if you are looking for the "perfect investment" that is 100% guaranteed and 100% risk free, then let me know when you find that investment! What am I trying to say about risk/investment? Answer: you have to be willing to accept some risk if you want to get amazing returns (dividend yields) like I talk about in this episode. Why is it extremely important to offset the true rate of inflation when investing? Answer: to preserve the purchasing power of your pile of money! It's not enough that you saved $100,000 and deposited the money into a bank account and left it there. Why? Because in 10 years, the purchasing power of that $100,000 has been more than cut in half 10 years from today! That means, because the cost of everything has increased over the 10 years, your $100,000 now only buys about half as much stuff! Do not save the majority of your wealth in your country's fiat currency. Instead save your wealth in Bitcoin which is the best performing asset on the planet! Better than any stock, ETF, closed end fund! Before you invest first figure out what your investment goal is. Are you investing for growth? Then invest in companies where you believe the share price will appreciate 10% to 12% per year. If you are investing for cash flow, then find inexpensive (low cost per share) stocks, ETF's, closed end funds to invest in that pay you dividend yields of 20% per year or more! Realize that your time is your most valuable asset. Don't waste your time and go back to watching videos on Tik Tock. Instead focus on how to learn where to invest. your money to make high yields on your money. Figure out way to increase your monthly cash flow. Get comfortable with accepting some risk and take action. Have courage today, to pick one thing, and work on your dreams! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #33. Not Me, But You! Podcast. Why does Bitcoin matter? Where does inflation come from? How do I invest to overcome the true rate of inflation? How as an investor, do I benefit from inflation in the overall economy? What is the minus 8% rule? What is better: Growth stocks vs. dividend stocks? Why new investors should avoid investing in: Apple, Microsoft, Google, Facebook, Amazon etc. We cover the answers to the questions above and talk about the best performing asset on the planet. We discuss growth stocks vs. dividend stocks. Bitcoin has a limited, fixed supply. That is one reason it is valuable. The price of Bitcoin, going forward, will continue to rise overall, as there are more buyers than sellers, more demand for it, and more adoption. As you prepare for retirement, it's important for your investments (pile of money) to grow at an interest rate that OUTPACES the true rate of inflation. By doing this, you will ensure that you have enough money, in the future, to afford the cost of everything you buy, as prices continue to rise with inflation in the future. Investing isn't just about having more dollars on your statement each year. You have to make sure that your pile of money is growing with the true rate of inflation, so that the PURCHASING POWER of your money is preserved in the future. Cash flow is probably the MOST important thing for you to build. Why? Because people who retire then discover that they can't afford retirement, are experiencing a lack of adequate cash flow. It's not enough to simply HAVE cash flow. You have to make sure you have ENOUGH cash flow both for now and for the future. Is Bitcoin price volatile? Yes, but don't let that prevent you from buying it. Invest in Bitcoin on a schedule. Dollar Cost Average buy into it, regardless of what the price is. If you do this over the next 5 to 10 years, you will be shocked in the amount that you can accumulate in 5 or 10 years. If Bitcoin, one day will cost $1,000,000 per coin, shouldn't you own at least a portion of one? Treat your dollars (fiat currency) like your employees. Manage your "employees." They have one job. To make you more money! Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2, Episode #32 Not Me, But You! Podcast. We buy/hold assets so we can get the benefit of inflation. True inflation rate runs between 8% and 10% per year, depending on what country you live in and what is happening in the local and world economy. So when you look at the interest rate you earned on your investments, over the past 12 months, it's the interest rate you earned, MINUS 8%, to account for the decline in purchasing power of your pile of money! Most people who retire often UNDERestimate how much prices/costs will rise year after year. So, we all need cash monthly cash flow to pay our bills. Key question: What causes inflation? What is the minimum interest rate your should earn on your investments, so that you can keep pace with and/or outpace the true rate of inflation? Buy "slices" of Bitcoin, growth stocks. You don't have to have enough money to buy one complete share of stock if the the stock you want to buy is in the S/P 500. Go to Charles Schwab dot com, and open a brokerage account. I also suggest opening a traditional IRA account AND a Roth IRA at Charles Schwab. You need ALL THREE types of accounts. I believe that building your monthly cash flow (through buying additional shares of high yield dividend stocks) is MORE important than investing in growth stocks. But it also depends on What is your investment goal?(growth vs. cash flow) and it depends on what your financial situation is. Most people starting out with little/no investments would do better by FIRST investing in high yield dividend stocks that create WEEKLY/MONTHLY/Quarterly cash flow. Then use the cash flowing to you, to buy additional shares of dividend stocks and you can also buy slices of Bitcon/Growth stocks. Remember the rule: "Minus 8%" We can also move assets from our traditional IRA to our Roth IRA easily. This is called a "Roth conversion." But there are taxes that you will owe. It IS a taxable event when you convert (move) assets from your traditional IRA into your Roth IRA. But you only pay this tax ONCE. After the assets are in your Roth, you no longer will owe ANY (as in ZERO TAX) tax on those assets OR the GAINS/Profit you make on those assets that are not in your Roth IRA. There are two conditions in order to withdraw money from your Roth IRA and pay ZERO tax: 1) be age 59 1/2 or older. 2) Have had the Roth IRA open for at least 5 years. How do you make money and TAKE Profit from a growth stock? Answer: by price per share increasing (higher than what you paid for that share) AND you have to actually SELL some shares in order to TAKE your profit. How many shares do I have to sell of a dividend stock in order to get profit? Answer: ZERO. Just collect/track the dividend money on a schedule, I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #31 Not Me, But You! Podcast The secret to financial success? Refuse to give up. Take action consistently. You can get rich SLOWLY! Don't underestimate how investing a small amount of money, consistently, can lead to you having a huge pile of money! But you need to get started! Take the first step, even if you are fearful, even if you are unsure. It's OK to make mistakes. Learn from them What do wealthy people do? They buy/hold assets. What are assets? They are real estate, stocks, crypto, precious metals etc. Our approach to success is simple. Have courage today, pick one thing, work on your dreams. Do that every day and you WILL become successful. Think about your money like your money is your employees. You have to manage your "employees" (in my country, dollars -USD) in order to get them to perform best. Put your "employees" (fiat money) in situations where IT can perform best for you! Buy/hold assets. Only buy high yield dividend stocks when you are starting out. Dividend stocks pay you cash flow. You can use the cash to do other things with. Cash flowing toward you gives you options. Don't expect to one day have success and zero problems. The path to wealth if full of problems/obstacles. Our job is find creative solutions to overcome problems and achieve success. When buying dividend stocks pay less attention to increases/decreases in the share price. Focus on what the dividend yield is and focus on the dividend history. If the price per share falls, and it's still paying you dividends consistently, then BUY MORE! Prices will continue to rise in the future. So find investments that pay an ROI that outpaces the true rate of inflation (8% per year). So find investments that pay you MORE than 8% per year. Knowledge is POTENTIAL power. The knowledge only benefits you if you choose to take action. We have to ACT upon the knowledge that we gain in order for the knowledge to benefit us. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 episode #30 of Not Me, But You! How do you think about money? If you are not wealthy and want to be wealthy one day, then how you think about money will affect your results. Do wealthy focus on buying things or assets? Many successful investors do the opposite of the herd. When the herd is panic selling, successful investors are often buying. And the opposite is also true. The Contrarian approach. There is a psychological component to investing. The most successful investors learn to manage emotions and tend to not get discouraged by news/predictions. Having conviction/belief in your investments choices may be more important than being swayed by news reports. There will always be news. There will always be people making predictions. That doesn't mean that they will be correct in their predictions. Remember that predictions are like opinions. Many people have them. The "proof" is in the results. Most of our obstacles in life, are self imposed. Which means that if we "re-train" our brains, then we can overcome those obstacles and turn them into strengths. Simply getting started can be the single most important step. Stop researching and take action. Get started and don't be afraid of failure. Failing is not the worst possible thing that can happen to you life! Learning how to build cash flow may be more important than simply investing for growth. We all need cash flow. When you having income each month, then you can decide how to spend/invest that money. Having income gives you options and choices. What are assets to buy/hold? Bitcoin. Stocks. Real Estate. Do these assets contain risk? Yes they do. But "playing it safe" will likely not make you wealthy! So learn to accept SOME risk. Your dividend stocks are like "dairy cows." Each share of stock represents one cow. Make it your goal to constantly accumulate shares of dividend stocks ("cows"). Keep buying "cows" each month! That will ultimately bring you more cash (income) each month/quarter. It takes courage to become a successful investor. Give yourself the freedom in life to learn and make adjustments. Don't think that you need to get things perfect or having a perfect plan BEFORE you start investing. Simply start. And know that it's OK if you decide to alter the plan as you move forward and learn more. Expect yourself to be successful, BEFORE you ever get started. Picture yourself BEING successful before it ever happens. Each small win will carry you to the next small win etc. Soon you will have a string of small successes. That is what the path to wealth looks like. Not winning the lottery where you get life changing money in 24 hours. Find an asset to buy/hold today! That can the beginning of your journey. Stop researching. Jump in. Get started. Have courage today, to pick one thing, and work on your dreams! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #29 of Not Me, But You! Podcast. 20 plus minutes on Solan cryptocurrency. As always, we need to buy/hold assets. This is what rich, wealthy people do. By buying/holding assets, we actually benefit from inflation. If you're looking for growth AND can tolerate risk/volatility, then Bitcoin is the best performing asset on the planet. Solana may be a close 2nd in terms of it's potential for future growth. And due it's current price (cost). I believe buying Solana even now, in 2025, it is an UNDERvalued asset. Meme coins such as Bonk and Pepe will also likely do well in 2025. There is potential there, to make money (profit) from these coins. Bonk is a meme coin that is BUILT on the Solana network. Think of wherever you buy the crypto as "the exchange." Where you buy crypto is like an on/off ramp to a highway. I don't usually leave my purchased coins on "the exchange." On a schedule (weekly or monthly) I move the coins to either a digital software wallet (like Coinbase Wallet etc. Also known as a "hot wallet."). Or I move the coins to a "cold storage device" such as Tangem (credit card like wallet) or Ledger thumb drive device (also known as a "cold storage device.") In general, cold storage devices (wallets) are considered a safer place to store coins than in a hot wallet (software wallet). The Phantom wallet can be used to swap for other coins INSIDE of the Phantom wallet. Swapping, inside of a Phantom wallet is an easy and inexpensive way to purchase other coins, easily and quickly. Current price of Solana? The price is hovering around $200 per coin. It was as inexpensive as $9 or $10 per coin just a few years ago. Remember that when we talk about "investing" in crypto coins, we are often assuming a 4 year time frame. Why? Because Bitcoin usually moves in a 4 year price cycle. See some of my other podcast episodes where I explain in detail the 4 year Bitcoin cycle. Many people are predicting that Solana could go as high as $1,000 per coin by December 2025. Will that happen? I have no idea. But what if it doesn't? What if it goes as high as $500 per coin? If you were dollar cost average buying small amounts of it, over time, you would likely more than double your money, if you started buying today (at a cost of $200/coin). In November of 2022 Solana was around $14. By December 31, 2022 Solana was under $10/coin. January 2023 to October 2023 the price of Solana stayed flat at around $24/coin. By December 25, 2023 the price of Solana had risen to $112/coin! If you had invested $1,000 since 2022, one time, you could have turned that $1,000 into $25,00 in about 2 years! That's a phenomenal investment. That's a phenomenal ROI (return on investment). And to have an opportunity to turn $1K into $25K in less than 3 years, that's astounding in the world of investment. Again none of these types of results are guaranteed. Investing in crypto currently is very risky! But it's a calculated risk. It's not the same as straight up gambling. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #28 of Not Me, But You! Podcast. Can you afford to be ignorant about Bitcoin? Super wealthy people can certainly afford to ignore Bitcoin. Some people who CAN afford to be ignorant about Bitcoin: Donald Trump, Dave Ramsey, Warren Buffet. Ironically, Michael Saylor who is a huge proponent of Bitcoin today, was once a critic of Bitcoin! But I presume he did his own study/research and then gained a better understanding of Bitcoin and eventually switched his opinion to supporting Bitcoin. Ironically, Donald Trump was critical of Bitcoin during his first presidency. Now he is proponent of it. Things can change in life. Charles Schwab is my favorite platform/app to buy/sell stocks on. I buy/hold high yielding dividend stocks. I buy/sell for profit growth stocks. At Charles Schwab I find their phone app and desktop computer version easy to use. Also, Charles Schwab has excellent customer service. I can actually get a live human on the phone easily and they are extremely knowledgable and helpful. That has been my experience. If you want to be able to afford to retire, then you need to have cash flow. Once you are retired, you need increasing cash flow in order to afford to remain retired. Lunch for 3 people, right now in 2025, costs $60 to $70 for 3 hamburgers with one side and a drink! How much will three burgers cost in 10 years? In 15 years? Get the idea? Buy/holding assets puts us in a position to benefit from inflation! What is the best performing asset on the planet? Answer: Bitcoin! Dollar Cost Average (DCA) into Bitcoin. DCA into high yield dividend stocks (stocks that pay a yield of 15% or higher!). DCA into growth stocks (the names you already know: Apple, Google, Amazon, Microsoft, etc). Try investing in companies that actually hold Bitcoin on their company balance sheet, like MSTR for instance. MSTR is Microstrategies and that is Michael Saylor's company. It is publicly traded on the USA stock market. Go check out the growth of MSTR. You will be impressed. I believe MSTR will one day, be worth $2,000/share. So I buy/hold it. Treat your dividend stocks like dairy cows. Make it your goal to be the biggest dairy farmer around. Keep buying more "cows" (i.e. shares of high yield dividend stocks). What is Blackrock's most successful ETF ever? Answer: The Bitcoin Spot ETF. Interesting. Perhaps you should look deeper into this Bitcoin thing! How does Bitcoin differ from fiat currency. The amount of Bitcoin which will be available is capped. It's a set amount. The amount of fiat money any government on the planet can "print" is INFINITE! Think about that concept. It is why we have inflation and why prices have to RISE over time. Prices are headed one way, and that direction is UP! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2, Episode #27 Not Me, But You! Review of finance, investing and how many of us don't learn in school how to become wealthy. But if you have an internet connection, you can learn all that you need to know, in order to retire wealthy. Most jobs don't pay the employee a pension when they retire (a guaranteed dollar amount each month, otherwise known as "cash flow"). But if you won't require with a pension, there is hope for you. I may have a solution for you. On your own, you can invest into high yield dividend stocks which will pay you cash flow on a schedule (every month or every 3 months). Remember that wealthy people buy assets, poor people buy things. We can all retrain our brains to buy/hold assets. Look to acquire new assets. And with all your successful investing, don't forget to also invest in yourself and exercise/diet to that you can enjoy your wealth and be healthy when you no longer need to go to a traditional job. If you like growth stocks like Microsoft and you can't afford to buy a whole share for $400 or more per share, then buy a "slice" of that stock for as little as #10. My favorite platform to buy/sell stocks is Charles Schwab. You can buy "Schwab Slice" which is a portion of a whole share of stock. You can also do the same thing with Bitcoin, Ethereum, Solana etc. You don't have to purchase a whole coin. You can buy "a slice" of each coin. And with crypto you can invest $2 at a time if you wish. Options. Selling cash secured puts on stock that you wouldn't mind owning anyway, is a strategy for you to potentially acquire your favorite stock at a discount price. Plus selling cash secured puts, generates "a premium" which means you are paid money right away, at the time you execute the trade! Another way to create cash flow! But doing this is a more advanced strategy. You can do options also at Charles Schwab or at Robinhood. But you need to have enough cash to purchase 100 shares of the stock is you are assigned One of the smartest things we can do, is to have a Roth IRA. Why? Because the money grows TAX EXEMPT, meaning you pay ZERO tax on the money you withdraw if you meet two conditions: 1) are you age 59 1/2 or older? 2) have you had the Roth IRA account open for at least 5 years? You can also buy Bitcoin using the Cash App. It will take you 2 minutes or less. Bitcoin is the best performing growth asset on the planet. But you need to buy/hold it for 4 years or more to get the benefit. Food prep your own meals at home. It takes time but you will end up eating much healthier and you will save money. The money you save, you can use to buy/hold more assets! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #26 of Not Me, But You! Bitcoin Strategic Reserves. What does this mean? If the USA starts to accumulate Bitcoin on a schedule, then that could trigger the price of Bitcoin to rise significantly. Things to consider in 2025 that have not been present in any other 4 year Bitcoin cycle: 1) Potential for Trump to initiate a Bitcoin Strategic Reserve, 2) Blackrock is selling the spot Bitcoin ETF. 3) We have never had a pro-Bitcoin political administration before. In order to gain from the above mentioned conditions, you have to own/hold some Bitcoin. You can buy "slices" of a whole Bitcoin using your phone. Have you heard of Michael Saylor? Initially, Michael Saylor was a critic of Bitcoin. Now he is one of the most influential supporters of Bitcoin. You may want to ask yourself, "Why is a billionaire buying so much Bitcoin consistently?" If you are already super wealthy, then you can probably afford to be ignorant about Bitcoin. If you are NOT already super wealthy, then perhaps, you should investigate Bitcoin. My favorite trading platform for stocks is Charles Schwab. Buy some "Schwab slices" of any stock in the S/P 500! Coincidentally, you can also busy "slices" of Bitcoin on your phone. Dave Ramsey is a critic of Bitcoin. But his estimated net works is somewhere in the 250 million dollar range! Did you know that Dave Ramsey, when he was younger, became a millionaire and then went bankrupt?! He can afford to be ignorant about Bitcoin. Can you? Another critic of Bitcoin is Warren Buffet. He can afford to ignorant about Bitcoin. Can you? He called Bitcoin, "rat poisoned squared." Yet his company Berkshire Hathaway owns part of Nu Bank that offers crypto currency to its clients. Nu Bank is a Brazilian Fintech firm. Berkshire Hathaway invest one Billion dollars into Nu Bank! Interesting. Trump, during his first term as president was critical of Bitcoin. Now, in his second term as president, he appears to pro Bitcoin! Forbes article: "Nation States Turn to Bitcoin as a Strategic Reserve Asset." This article was written in January 2025. Could the "financial winds be shifting?" David Sacks has been named "Crypto Czar" by Trump. And Sacks is one of 4 very wealthy investors who appear in the "All In Podcast." Oliver Velez who is a successful and wealthy stock trader. He recently released a video on YouTube. Title: How much Bitcoin do you need to hold to become a millionaire?" A 12 minute video worth watching, in my opinion. You may only need as little as 0.25 Bitcoin! The Bitcoin "train" is set to leave the train station this year. If you're not on it, you may regret it. Do your own research about Bitcoin. You can buy Bitcoin on Coinbase using the "Advanced Trade" feature to pay much lower purchasing fees. Or you can buy Bitcoin using CashApp. Have courage today, to pick one thing, and work on your dreams! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest. I love using Schwab.com to buy/sell stocks/ETF's/closed end funds/options. Schwab has a very user friendly app/website and their customer service is excellent. I can easily get to speak to a human being whenever I have questions.

Send us a text Season 2 Episode #25 Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF How inflation causes the "purchasing power" of our currency to decline rapidly over time. This phenomenon is why "storing" your wealth in cash is trash! It's a bad idea, because your pile of money, in 10 years, will buy much, much less than it will today. I use the example of how $100 sitting in a bank account, for 10 years, will only buy you $47 worth of stuff (non interest bearing to demonstrate how inflation erodes purchasing power of money). Use your favorite search engine online and research the history of Rome and how Rome kept debasing their money, which led to their eventual downfall. If you want to be able to afford to retire one day, then you have to buy/hold assets that beat the rate of inflation. Grow your cash flow (dividend stocks). Grow your pile of money (growth stocks, Bitcoin) If you dividend stocks price per share drops, don't panic. Dividend stocks are like dairy cows! Just keeping adding more cows to the farm and continue to "harvest" milk (A.K.A dividend money). It's important to hold assets that will match and/or beat the true rate of inflation. By doing this, you will preserve purchasing power of your "pile of money." Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Season 2 Episode 24 of Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF There is a changing of the guard coming January 20th 2025. The USA will have a new president that day. Politics can influence financial markets. Be aware of these significant political changes, but don't spend a large amount of time focussing them. Instead, make your focus researching/buying/holding assets. The more assets you acquire, the closer you are to retiring from your job/career, if you choose to. You don't have to retire. But, in life, it's nice to have options. What are your two largest bills each month? For most people it's housing (mortgage or rent) and food. Also some form of transportation like a car payment is likely a significant bill in your budget. What if you could eliminate ONE of these large payments each month? If you could, then you would have that "payment" available in your budget to buy assets! Poor people buy things. Wealthy people buy assets. I cover a post from Fred Krueger on X on in this episode. I also cover articles you will find online that claim to name "ultra high yield" dividend stocks. Be careful! If you aren't earning a yield that is at least 8% a year, then you aren't keeping pace with the true rate of inflation. Many successful investors, I have found, suggest making at least 14%/year so that you are offsetting the effects of inflation on prices which will rise over time. We all need to, at times, police our monthly budgets. Know WHAT you are spending money on. Can you temporarily make that bill go away? If yes, then you have found extra money within your budget to go buy assets with. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome to Season 2 Episode #23 of Not Me, But You! Podcast. This is the last episode of 2024. We are about to turn the page on a new year in 2025. The future looks bright. But we have to pay attention to our cash flow. Understand that cash flows...two different directions. Cash can flow toward you (like dividend income) or away from you (the money that you spend- give to someone else). In my opinion, most people don't have enough cash flow when they are ready to retire. But they don't teach investing in school, after all. We have to learn it on our own. But if you have a smart phone/internet connection, then you already have all the access you need to learn how to become wealthy. But we need to buy/hold the correct type of assets that will give us an ROI(return on investment) that at least matches the true rate of inflation (8%) or better yet beats the true rate of inflation. Buy/hold assets. Look to cut your expenses, even if it's temporary. Have a general budget and be aware how/where you are spending your money each month. Pay close attention to your actual ROI, your rate of return, the percentage that you are earning on "your pile of money." The rate that you earn, is very, very, very important. Warren Buffet quote: If you don't find ways to make money while you sleep, then you will work until the day you die. I use Charles Schwab as one of my trading platforms. I like them because their app is easy for me to use on my phone. And they have awesome, awesome, awesome customer service. I can easily call and speak with a human being! Use your favorite search engine and learn about Blackrock. Find out what they tell their financial customers. If you want to become rich, then study what rich people do, then go copy it. Rinse/repeat until you are wealthy. It's also important to take care of yourself. Develop good habits to so that you can remain healthy enough to enjoy your wealth. Eat healthy food and get regular exercise. And de-clutter your living space. We often collect things and then don't use them much. Donate, sell, etc some items that you no longer care about owning or simply have not used in the last 6 to 12 months. Buy some assets on a regular basis. Buy assets on a schedule. And build your cash flow every month. Remember that the true rate of inflation is more like an increase of prices of 8%/year. Have courage today, and pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome to Season 2 Episode #22 of Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF In just 20 minutes, I break down owning shares of Coca-Cola stock (ticker symbol KO) compared to owning Bitcoin, over the past 12 months. I cover what the total ROI was for each asset in 2024. And I adjust for the true rate of inflation which runs about 8% a year. I explain what I would own and why. If investing and making consistent profit was easy, then everyone would already be rich. Investing and doing it well, over time, is hard. But when you know HOW to evaluate an asset BEFORE you invest, I believe this information gives you an advantage. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome to Season 2 Episode #21' Merry Christmas! I believe the future looks bright. I wish you blessings and health and wealth in 2025. And thank you for listening. I appreciate all of downloads. I share one of my favorite life quotes in this episode from Theodore Roosevelt. And I talk about how my family and I both celebrate and reflect on life at this time of year. I feel blessed which implies I believe in a higher power, a being separate from me, who I know has helped both me/family in life. This podcast is not about religious conversion. I'm simply telling you what I believe and why. As always, you make up your own mind about what you choose to both think/believe. I also ALMOST shared another quote from Warren Buffet. But I messed up! I forgot to give the quote in the episode! So here it is: If you don't figure out ways to make money while you sleep, you will work until the day that you die! Please don't let that be you...working until the day that you die (because you have to!). Now if you CHOOSE to work until the day that you die because you enjoy work that much, then go for it. But my ultimate goal that I hope/pray that I inspire you to achieve is for you reach a point where you have OPTIONS in life. Thank you again, and wishing you all a very Merry Christmas and much success in the days to come. Become as rich as you can, and then go help/inspire others! In my opinion, that's a big part of what life is about! As always, have courage today, to pick one thing, and work on your dreams! I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome to Season 2 Episode #20 of Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF It's been a volatile week where we saw the price of Bitcoin dip below $100K to $93K. Investing is emotional. To be a successful investor IS difficult. But with consistent effort and struggling through times of self doubt, the reward is well worth it! I have learned that some of the most successful investors have learned to to take asymmetric bets on investments that do involve risk, but the potential payoff if huge! Some of you are doubters. And that's OK. But some of you have a closed mind and THINK that you already know everything that YOU need to know about Bitcoin. But when in reality, you are bonehead and don't fully understand/appreciate how investing in Bitcoin can benefit your life. No matter what you choose to invest in (stocks, cryptocurrency, precious metals, real estate) the MAIN thing we need to do is to continue to buy/hold assets that help us beat (outperform) the TRUE rate of inflation. Some of you who are boneheads ONLY listen to alleged so called "experts." And I tell the story of "experts" who in the past told us that investing in Nokia was better than investing a company called Apple! Shocking, but true. Instead of listening only to "experts" instead, do your own research and find great assets to buy/hold which will change your life! If someone cleans toilets for a living or is CEO of a company, I can learn from both individuals. I don't really care about what your title is in life, I evaluate the information that you choose to share with me. If you are in debt, then you can formulate a plan to get out of debt. But realize, once you are debt free, you are sitting at ZERO in terms of your net worth. I want to see you not ONLY get out of debt but ALSO build wealth so that you can afford to retire one day. Your TIME, not your money is your most valuable asset. When you have control over your time, you are truly a free individual. Am I suggesting you ONLY invest in Bitcoin? No, I'm not. But you will do very well if you invest in growth stocks, dividend stocks, AND Bitcoin! If you doubt this, then please search this name: Michael Saylor. He is billionaire who invests in Bitcoin. Or search "Blackrock" and find out why the largest money manager on the planet is offering a spot Bitcoin ETF to their clients. And find out why Blackrock is now suggesting that their clients have a percentage of their portfolios invested in Bitcoin! Use the free website: stock analysis dot com. And research MSFT and BCAT. Which stock has a higher dividend yield? One website you can use to do your own research is: The Case For Bitcoin. Draw your own conclusion. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome to Season 2 Episode #19 of Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF How do you define wealth? I consider someone wealthy who has enough cash flow (income) to pay all of their bills every month with money left over. Almost half of Americans find that once they are retired, they cannot afford to remain retired. So they return to the work force. This situation/trend is likely due to people underestimating how inflation will cause prices to rise once they are retired. What is your retirement strategy in relation to your "pile of money?" Are you planning on withdrawing 4% from your total pile each year and live on that amount of money? Or are you investing in assets that will pay you monthly/quarterly cash flow (income)? I prefer to use the cash flow approach because then I can get cash flow until the day I die! I can never "out live" my pile of money. Poor people buy things. Rich people buy/hold assets. You may have to change the way that you think. In life, we often benefit from retraining our brains. You can change your life in 4 years. I use Charles Schwab to buy/sell/hold both growth stocks/dividend stocks that pay me cash flow on a schedule. Their site/app are great. Their customer service is fantastic. Buy/hold assets if you want to create your own pension income and if you want to become wealthy. Study what wealthy people do, then go copy it! You can do this. Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.

Send us a text Welcome. Season 2 Episode #18. Not Me, But You! Podcast. If you enjoy my content, and want to support this podcast, click the referral link for I Trust Capital dot com. Currently, this is the only place I know of on planet Earth where you can buy/sell Bitcoin (and other crypto) plus gold/silver INSIDE of an IRA. I have a ROTH IRA at I Trust Capital dot com. Click link here: https://itrustcapital.com/?referral_id=AAWC4U&utm_source=RAF Yes Big Mac's at Mcdonalds will cost $60 per sandwich one day! Why? Due to inflation which causes prices to rise over time. A basic vehicle may cost $250,000. The prices of everything will rise dramatically in the future. Am I trying to depress you? No. But we should, as investors, prepare for retirement by buying/holding assets that outpace the true rate of inflation. Successful investing, over the long term, requires courage and consistency. If it was super easy, then everyone would be rich! But we must make our goal to buy/hold assets that outpace the true rate of inflation. That is our main goal. Next we have to ask ourselves, "What is our goal? Do we want growth? Do we want to build cash flow?" Depending on your goal, helps determine what type of asset you want to buy/hold. And what is your plan for your pile of money when you retire? Do you want to withdraw 4% every year (draw down on the principle)? Or do you want to preserve the principle and simply live off the cash flow (interest that the pile of money produces) ? Wealthy people buy/hold assets. Poor people buy things. And wealthy people their MOST valuable asset, that they can only spend one time, IS time! Yes, time, is your most valuable asset. Not your 401K, not your 403B, not your stock portfolio, not your crypto currency wallets, not your real estate etc. More than anything, I believe, that most people retire, without enough cash flow! So I stress buying/holding high yield dividend stocks. And I believe that most people are unaware of the true rate of inflation that will cause the price of everything that they buy, over time, to increase dramatically. People who disagree with me will be fine in retirement, as long as they don't outlive their pile of money! What if you live longer than you expected? What is your personal costs rise much quicker than you expected? What if you have to keep increasing the percentage of your pile of money that you have to withdraw to live on each year? Food for thought. And this is why I stress CASH FLOW over just accumulating a big pile of money to retire with. Did you buy any assets today? Have courage today, to pick one thing, and work on your dreams. I'm not a financial advisor. This podcast is for education/entertainment purposes only. You will need to do your own research and accept responsibility for the results of any money you choose to invest.