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If you’re in your 30’s or 40’s and think it’s too late to become wealthy, you’re wrong. I’m a 36-year old self-made millionaire and former public school teacher. These are the 3 steps you need to take to become financially successful.

And yes, you can save this video for later.😇

Here are the steps:

1. You need to increase your income by either asking your boss for at least a 10-20% annual raise. You need to give your boss a strong reason to give you one and find ways to solve larger problems. Or, you can find another job, which typically people get around a 15-20% salary increase. You need to be aggressive to make up for lost time.

2. You need to make a budget and cut out unneccessary expenses. Start saving 20% but make it a goal to hit 50%. If you do, you’ll be able to cut down your work-life in half.

3. You need to invest in a Roth IRA, Traditional IRA, or use the backdoor Roth IRA method. I would invest in S&P500 funds like SPY or VOO, which diversifies you across the top 500 companies in the US. You still have 20-30 years to let your money compound to at least 6-7 figures for retirement.

Remember that the goal is to let your money work for you, not the other way around. This will allow you to get to financial freedom much faster than you thought was possible. 👏

Follow to see my next investing video.🤩

Have questions? Drop them below and I’ll answer them. Or you can ask me TODAY at my Beginners Investing Master Class live!🤓

Have a great day and stay groovy!🕺🏻

-Steve🐢

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3 Money Tips For 30s and 40s: Achieving Financial Freedom

Entering your 30s and 40s brings about a new level of financial responsibility and a greater need to plan for the future. Whether you dream of becoming a millionaire or simply desire financial stability, it is crucial to adopt smart money habits at this stage in life. Here are three money tips that can help you achieve financial freedom, build wealth, and secure a brighter future.

1. Create and Stick to a Budget:
One of the most fundamental steps towards achieving financial freedom is creating a budget and sticking to it. Take a close look at your income, expenses, and financial goals. Understand your cash flow by tracking your monthly income and spending patterns. This will allow you to identify areas where you can save and cut back on unnecessary expenses.

With a well-structured budget, you’ll have a clear understanding of how much you can allocate towards savings, investments, debt repayment, and other financial goals. Make sure to prioritize your savings to create an emergency fund that can cover at least six months’ worth of living expenses. Additionally, set aside a percentage of your income for retirement savings. Remember, creating a budget is just the beginning; implementing and following it diligently is key to your financial success.

2. Invest for the Long Term:
Building wealth often requires making smart investments. Consider investing a portion of your income in stocks, bonds, mutual funds, or other investment vehicles. Long-term investing provides the opportunity for your money to grow over time, potentially yielding significant returns.

Before jumping into the stock market, ensure you educate yourself about different investment options and seek professional advice if needed. Diversify your portfolio by spreading your investments across various industries and asset classes. Embrace risk but be cautious; make informed choices based on your risk tolerance and financial goals.

3. Continuous Learning and Upskilling:
Investing in yourself is just as important as investing in financial assets. Continuous learning and upskilling can increase your earning potential, expand your career opportunities, and ultimately contribute to your financial well-being. Stay updated with industry trends, acquire new skills, and broaden your knowledge base.

Consider attending seminars, workshops, or pursuing further education that aligns with your career goals. Investing time and money in self-improvement can lead to higher income, promotions, or even entrepreneurial success. Additionally, make it a habit to read books, listen to podcasts, or follow financial influencers who can provide valuable insights into personal finance and wealth creation.

In conclusion, financial freedom in your 30s and 40s requires discipline, smart decision-making, and a long-term approach to money management. Creating a budget, maintaining an investment portfolio, and continuously investing in yourself are key pillars to achieve your financial goals. While the path to millionaire status or wealth accumulation might not be straightforward, with perseverance, dedication, and sound financial planning, you can pave the way towards a brighter and more secure future.