15 Assets That Are Making People Rich
Summary
TLDRThis video script from alux explores 15 assets that contribute to wealth accumulation, including cash reserves, real estate, bonds, stocks, and intellectual property like patents and trademarks. It emphasizes the importance of understanding assets versus liabilities and the potential of assets like equipment, brand goodwill, and unique rights to generate income. The script also introduces the concept of 'time money time arbitrage,' encouraging viewers to leverage their time to create opportunities for wealth growth.
Takeaways
- 💰 Assets are investments that generate income, while liabilities cost you money. The more assets you have, the wealthier you become.
- 🏦 Cash is still considered an asset, despite low bank interest rates, because it provides liquidity and opportunities for higher returns through peer-to-peer lending.
- 🏠 Real estate is a significant asset due to rental income and property appreciation, but a personal residence is a liability, not an asset.
- 📈 Stocks allow you to own a percentage of a business and can be a gateway to wealth, especially when investing in index funds like the S&P 500 for diversification and historical high returns.
- 📊 Bonds are a safe investment, typically backed by the government, offering a steady, though low, return compared to other investments.
- 🔧 Equipment is an asset if it directly helps in generating income or increasing efficiency in money-making processes.
- 📄 Patents protect inventions and can be a significant source of income if others want to use your invention, making them a valuable business asset.
- ™ Trademarks protect brand identity and can be licensed for commercial use, generating income and contributing to a company's asset base.
- 🏷 Brand and Goodwill are intangible assets that represent a company's reputation and customer loyalty, which can significantly impact a company's value.
- 👥 People are assets to a company due to their ideas and contributions; their value increases with their irreplaceability and impact on the business.
- ⌛ Time is an asset that can be exchanged for money, and by using the money to buy others' time, you can scale your business and grow wealth exponentially.
Q & A
What is the fundamental rule of getting rich according to the video?
-The fundamental rule of getting rich is having more assets that put money in your pocket and fewer liabilities that cost you money.
Why is cash considered an asset even though bank interest rates may not keep up with inflation?
-Cash is still considered an asset because it provides liquidity, allowing individuals to access opportunities as they arise and potentially earn higher returns through peer-to-peer lending.
What are the two main reasons rich people keep a significant portion of their wealth in cash reserves?
-The two main reasons are to be able to access any opportunity that presents itself and to get higher returns from straight cash deals, such as peer-to-peer lending.
How does real estate generate income for its owners?
-Real estate generates income through rent payments from residential, office, and commercial buildings, as well as through land appreciation.
Why is the house you live in considered a liability and not an asset?
-The house you live in is considered a liability because it costs you money to maintain and live in it, rather than generating income for you.
What is a bond and how does it provide a return to investors?
-A bond is a financial instrument issued by governments or businesses to raise funds, promising to pay the bondholder a certain amount of money regularly until the bond's maturity date, at which point the principal is returned.
What is the average yearly return range for bonds?
-Bonds usually offer a 3% yearly return, which is better than most banks but not high enough to excite beginner investors.
How do stocks allow individuals to own a part of a business?
-Stocks represent ownership in a company, allowing individuals to buy a percentage of a publicly traded business by purchasing shares.
What is the main advantage of investing in mutual and index funds over individual stocks?
-The main advantage is diversification, which reduces risk. Index funds, in particular, provide exposure to a basket of companies, ensuring that you're invested in the overall market performance rather than relying on the performance of individual stocks.
Why are patents valuable assets in the business world?
-Patents are valuable because they protect an inventor's rights to their invention, allowing them to license it to others for use, which can generate significant income.
What is the significance of trademarks in business and how can they generate income?
-Trademarks protect symbols, words, or phrases associated with a brand, and owning a valuable trademark can allow for licensing it to others for commercial use, generating income in return.
How does brand and goodwill contribute to a business's value and success?
-Brand represents the company's image and what it stands for in the minds of consumers, while goodwill is the emotional connection people have with the brand. Both contribute to customer loyalty and can significantly impact a company's success.
Why are people considered valuable assets in a company?
-People are valuable assets because they generate ideas and innovation that drive a company's success. Key individuals can significantly impact a company's direction and performance.
What is the concept of time money time arbitrage and how can it be used to grow a business?
-Time money time arbitrage is the process of using time to generate money, then using that money to buy other people's time, thereby growing the business exponentially. It involves identifying opportunities to convert time into money and then leveraging that money to create more value by employing others.
Why is it important to invest in assets that you understand?
-Investing in assets you understand is crucial because it allows you to make informed decisions and manage risks effectively, avoiding potential losses due to lack of knowledge or misinformation.
How can information or content products like books, digital courses, and songs be considered assets?
-Information or content products are assets because they can be created once and then sold multiple times, providing scalable income with minimal additional effort after the initial creation.
What is the potential of royalties in generating income from intellectual property?
-Royalties can generate significant income by allowing creators to receive a portion of the earnings from the use of their intellectual property, such as books, music, or movies, in various formats and media.
Why is having a first-mover advantage or a proprietary business model considered valuable?
-A first-mover advantage or a proprietary business model is valuable because it provides a competitive edge in the market, allowing a company to capture market share and establish a strong presence before competitors catch up.
Outlines
💰 Understanding Assets and Wealth Accumulation
This paragraph introduces the concept of assets as the foundation for wealth accumulation, emphasizing that assets are what put money in your pocket, unlike liabilities which cost you money. It explains that having more assets working for you makes you richer. The script welcomes viewers to 'alux', a platform for inspiration, and lists cash as the first asset, highlighting its importance despite low bank interest rates due to its liquidity and potential for higher returns through peer-to-peer lending. It also mentions Apple's cash reserves as an example of cash's significance in wealth management.
🏠 Real Estate as a Wealth Generator
The second paragraph delves into real estate as a significant asset class, loved for its ability to generate passive income through rent payments and its potential for appreciation due to increasing population and housing demand. The paragraph outlines different types of real estate assets, including residential, office, commercial buildings, and land. It also clarifies that one's personal home is not considered an asset but a liability, as it does not generate income but incurs costs.
📈 Diversification and Growth through Stocks and Funds
This section discusses the role of stocks and mutual/index funds in wealth building. It simplifies the concept of stocks as a means to own a percentage of a business and highlights the benefits of mutual and index funds for diversification and safety. The paragraph lists the top five index funds and emphasizes the historical performance of the S&P 500 index, making a case for why index funds should be a part of everyone's portfolio looking for long-term wealth accumulation.
🛠 Equipment, Patents, and Trademarks as Intellectual Property Assets
The fourth paragraph explores equipment and intellectual property, such as patents and trademarks, as assets that can generate income or enhance the value of a business. It distinguishes between assets and liabilities based on their direct impact on income generation and provides examples of how patents can be a powerful and lucrative asset, with stories of inventions like the Slinky and the Big Mouth Billy Bass. Trademarks are also highlighted as protectable assets that can be licensed for commercial use, with the story of Michael Buffer's catchphrase as a prime example of商标权的商业价值.
🏛 Brand, Goodwill, and People as Intangible Assets
The fifth paragraph focuses on the importance of brand and goodwill as intangible assets that can significantly impact a business's value. It explains the difference between brand, which is the company's image in the marketplace, and goodwill, which is the emotional connection customers have with the brand. The paragraph also discusses the value of people within a company, emphasizing that a company's success is driven by its employees and their ideas, with examples of how key individuals can influence a company's fortunes.
🌟 Raw Materials, Royalties, and Unique Rights as Diversified Assets
This section covers a range of assets including raw materials, commodities, royalties, and unique rights. It discusses the fluctuating market value of raw materials and commodities and the potential for wealth through art and collectibles. The paragraph also explains royalties as a source of income from intellectual property and provides examples of how royalties have made individuals wealthy, such as George Lucas with Star Wars. Additionally, it touches on unique rights and first-mover advantages as competitive assets in the market.
🕒 Time Money Time Arbitrage for Business Growth
The final paragraph introduces the concept of 'Time Money Time Arbitrage' as a fundamental business strategy. It explains how individuals can start by working hard to convert their time into money, then use that money to hire others, thereby generating more value than the cost of the labor. This approach is the basis of profit and business growth, encouraging viewers to think like business owners and apply this knowledge to build wealth.
Mindmap
Keywords
💡Assets
💡Liabilities
💡Real Estate
💡Bonds
💡Stocks
💡Mutual and Index Funds
💡Patents
💡Trademarks
💡Brand and Goodwill
💡People as Assets
💡Raw Materials and Commodities
💡Information Products
💡Royalties
💡Unique Rights
💡First Mover Advantage
💡Time Money Time Arbitrage
Highlights
Cash is considered an asset as it can earn interest and provide liquidity for seizing opportunities.
Apple has over $150 billion in cash reserves, emphasizing the importance of liquidity for accessing opportunities and higher returns.
Peer-to-peer lending can offer higher interest rates than traditional banks, with risks involved for those willing to participate.
Real estate is a significant asset due to rental income and property appreciation from increasing demand.
Different types of real estate assets include residential, office, commercial buildings, and land for cultivation or development.
Bonds are a safe investment option backed by the government, offering a steady but low return.
Stocks allow individuals to own a percentage of a business, with the potential for high returns.
Mutual and index funds provide diversification and historically have been among the best-performing asset classes.
Equipment that generates income or improves efficiency is an asset, depending on its direct correlation to money generation.
Patents protect inventions and can be a significant source of income through licensing or litigation.
Trademarks protect brand symbols and phrases, allowing for licensing and commercial use, with significant monetary potential.
Brand and goodwill are valuable intangible assets that represent a company's market presence and consumer affection.
People are a crucial asset in a company, with the potential to drive innovation and business success.
Raw materials and commodities can be bought low and sold high, leveraging market fluctuations for profit.
Art and collectibles like luxury cars and watches can appreciate in value, serving as alternative asset classes.
Information products like books, songs, and digital courses are infinitely scalable and can generate significant income.
Royalties from intellectual property can provide ongoing income, exemplified by the success of TV shows and music.
Unique rights and competitive advantages, such as licensing or geographical benefits, can be considered assets.
First-mover advantage and proprietary business models can create significant value and market share.
Time money time arbitrage is a fundamental business concept where time is used to generate money, which is then used to buy more time.
Transcripts
assets put money in your pocket
liabilities cost you money the more
assets you have making money for you the
Richer you are this is the fundamental
rule of getting rich but that said here
are 15 assets that are making the rich
even
richer welcome to alux the place where
future billionaires come to get inspired
starting off at number one cash straight
up cash put in a bank deposit is earning
you interest pretty straightforward the
downside is though the interest paid up
by banks these days isn't even keeping
up with inflation but cash is still a
priority Apple the company has over $150
billion in cash reserves that's
liquidity so why do rich people still
keep a good portion of their wealth in
cash reserves well two reasons one being
able to access any opportunity that
presents itself which is pretty
self-explanatory if you think about it
the deal of your dreams is in front of
you and you don't have the money to take
advantage of it that would suck this is
also the main reason why rich people
save cash and two because they can get
higher returns from Straight Cash deals
not only do people offer better pricing
for cash but you can also lend money
with high interest this practice is
called peer-to-peer lending if you're
low on income and willing to take this
risk there are plenty of platforms out
there that offer peer-to-peer lending
Services basically you lend people your
money and they pay you back with
interest the average bank is offering
under 1% interest on your deposit while
peer-to-peer lending fluctuates from
seven to as high as 15 or 20% but please
keep in mind that if something is too
good to be true it probably is maintain
a rational mind when ever
investing number two real estate this is
a big one we personally love real estate
why once again two reasons one rent
payments money is coming in every single
month with a minimum amount of work if
you're a bit smart you can take
advantage of the technology improvements
happening right now and instead of
traditional rents do short-term rental
for higher yields but it isn't as
passive and two the second argument is
appreciation population numbers are
going up and more and more people need a
place to live or rent the demand is
increasing so prices for properties are
constantly going up and they forever
will making real estate one of the
better Investments that you could
possibly make now in terms of real
estate assets you've got one residential
buildings where people live in your
properties and pay you rent two Office
Buildings people work in your property
and they pay you rent three commercial
buildings businesses use your space to
sell stuff and pay you rent and four
land which can be cultivated developed
or even left as it is for appreciation
now super important here the house you
live in is not an asset okay it's a
liability it costs you money to live in
it and it's not putting any new money
into your
pocket number three bonds when
governments or businesses might be in
need of some cash they can issue
something called bonds which are sold to
interested investors now through these
bonds the government or business vows to
pay the person buying the bond a certain
amount of money every month generally
bonds have an expiry date on them from 1
month to 30 years these are super safe
Investments because they're mostly
backed by the government as you probably
know by now low risk in business
translates to low reward as well bonds
are usually in the 3% yearly return
range which is better than what most
banks offer but not high enough to get a
beginner investor excited when the bond
reaches its end the principal amount is
returned to the investor the main ways
that people buy bonds are one directly
from the treasury Department or two
through a brokerage
firm number four stocks Now Stocks are
not as complicated as all those Wall
Street films make you believe stocks are
an easy way for you to own a percentage
of a publicly traded business so if a
business issues 10 million shares and
you own 1 million of those shares you're
a 10% owner in that business this
incredible breakthrough in financial
instruments has allowed the average
person to own a stake in some of the
most lucrative companies of our day with
a very low entry barriers here's how
much you need to pay to purchase one
share into these
companies number five mutual and index
funds if stocks allow you to purchase
shares in a company one by one mutual
and index funds bring multiple companies
together so you're buying into the
entire basket of companies as a whole
why is this better well basically you're
more Diversified so it's a safer
investment to make statistically index
funds are one of the most best
performing asset classes the five most
popular index funds are the following in
no particular order Fidelity zero large
cap index Vanguard S&P 500 ETF spdr
smp500 ETF trust I shares core S&P 500
ETF and Schwab S&P 500 Index Fund and
look okay here's the deal if you were to
start buying stocks one at a time you're
statistically more likely to screw it up
you're not going to be one of those
Miracle traders that beats the market
year over year you don't have that kind
of info and it's super complicated to
try and compete with the big boys that
is where the index fund comes in S&P 500
brings together the best 500 performing
companies and when a company Falls from
that top 500 it gets replaced with a new
better performing one the average
annualized return for the S&P 500 index
over the past 90 years is
99.8% out of the five mentioned Vanguard
is our top pick index funds should be an
every portfolio of everyone who's
looking to build wealth
longterm Number Six
Equipment anything that generates money
for you or helps you make money faster
is considered an asset if you're a
farmer a tractor is an asset if you're a
programmer that laptop is an asset if
you're an Uber driver your car is an
asset whether or not something is an
asset or a liability changes depending
on if it has a direct correlation to the
money you are generating so unless your
income is directly dependent on the car
buying a new one is a liability and it's
very often that people confuse the two
they try to justify it as an asset when
in reality they're mismanaging their own
finances due to a lack of self-control
you don't need the most expensive laptop
on the market to watch YouTube videos
number seven patents patents are awesome
okay for those of you unfamiliar with
the term when you invent something new
you can protect that invention by filing
a patent it's a document that certifies
you as an inventor and describes in
detail what your invention does with
this protection in place companies have
to pay you money in order to use your
your invention and if they don't you get
to sue them patents are incredibly
powerful and valuable in the business
World a single patent can make you rich
and all the best inventions are backed
by patents just to put things into
perspective here's the most us patents
received last year but you know it's not
just big companies that rely on patents
remember the slinky it made over $3
billion in sales Scott Singer invented
the cush ball which was bought by Hasbro
for $100 million back in '97 the moving
fish you saw on everyone's wall years
ago called Big Mouth belly bass that was
also worth over $100 million and the
list goes on like this the magic
eightball hula hoops and anything you've
seen on Shark Tank or the teleshopping
channel number eight
trademarks if patents protect your
invention trademarks protect your
symbols words or phrases it's pretty
obvious why this is a big deal when it
comes to the logo or the name of a brand
but here's where things get super
interesting if you own a valuable
trademark that has marketable value you
can license it to people to use it for
commercial purposes and they have to pay
you in return our alltime favorite is
the story of Michael Buffer who in 1992
trademarked the catchphrase you can see
right now on the screen I'm not going to
say it but chances are you can hear it
in your head it's super catchy
entertaining and every single time it
said in a commercial manner you need to
write Michael a check and since
trademarking it get this okay he's made
over $400 million just from that one
catchphrase and you know trademarks can
be local or International but good luck
enforcing it just to keep things
interesting one in five us companies
says there are companies in China
infringing on their intellectual
property and this is actually one of the
main reasons why China has been growing
so quickly the complete disregard for
intellectual property rights China is
stealing over $600 billion in IP from
the rest of the world every single year
which is wild okay but let's get back to
the topic at hand more assets that make
you rich number nine brand and Goodwill
now there are subtle differences between
brand and Goodwill but both are very
valuable to any business a brand is the
footprint a company leaves in the minds
of its consumers what they stand for but
they present themselves as being
Goodwill is the emotional affection
people have toward the brand a brand is
owned it's an effort the company is
making to push a particular image of
itself into the marketplace Goodwill
comes from the way the company treats
its customers the positive impact it has
on the community and how grateful people
are that the company exists Goodwill is
super hard to cultivate or scale but
people will literally save companies
from Bank rupy because of the Goodwill
they have for it and there are companies
that become incredible successes just
through branding the cardashian family
is a great example here if Kim or Kylie
attach their name to something it can
drive sales like nobody's business we're
not sure if Kylie's lip kits are any
better than the competitions but it did
make her a billionaire also remember
when Kim kardashi made over a million
dollars per minute from her kimoji app
that was nuts now of course there are
other examples that might even drive
this narrative better take a simple
black t-shirt for example you can buy
them for less than $2 a pop but put a
Disney logo on there and now they're
worth $10.99 just because of the
intangible value that brand brings to
the shirt number 10 people you don't
realize just how valuable an asset that
people are until they leave very few
people understand that companies aren't
actually real companies are a figment of
imagination validated by the state
companies are names ideas and The
Innovation happening under this
imaginary umbrella and who comes up with
all of these it's the people in that
company a single person can shift a
company with their ideas just look at
the impact replacing Steve Jobs with the
former Pepsi CEO had on Apple nearly
bankrupting what is today probably the
most loved technology brand and digging
deeper into Apple their lead product
designer Johnny I youve designed the
products that are now in the hands of
billions then there are the teams that
make the company as a whole there have
been cases where bigger companies have
acquired startups just to bring those
people in house there's actually a term
for it it's called aqu hire hire the
right people and they'll make you rich
ideally nobody in your company should be
Irreplaceable but the harder someone is
to replace within an organization the
more valuable an asset they become and
if your goal is to position yourself
this way if you want to be one of the
most valuable assets at your
organization we've got you covered with
the alux app with a subscription not
only do you get access to a fresh
coaching session every single day but
you've got access to over 100 curated
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you reach your goals in a fraction of
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there are two specific collections I'd
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they'd be perfect for this one is called
pep talks for your promotion the other I
want to advance my career and they're
included with your subscription to the
alux app and as a little bonus scan the
QR code on screen and you'll get 50% off
your yearly plan number 11 raw materials
and
commodities the price of raw materials
and commodities fluctuates and varies
depending on the market if you're smart
about it you buy it when it's cheap hold
it and then sell it when it's in high
demand this applies to everything in
life from currency to oil to gold to
crypto luxury cars and art over the past
15 years the price of gold has increased
by
221 this might come as a shock to most
of you but we love art as an alternative
asset class very few people know this
but art has been outperforming the SMP
for the last 20 years this is one of the
big reasons why you see the wealthy
dropping stupid money on Art because
it's making them even richer the same
goes with vintage cars while your car is
costing you money some of the wealthiest
people in the world are buying rare
vintage cars that are quickly
appreciating in value and the same goes
for other Collectibles like luxury
watches now before you go and blow all
your money on a vintage Rolex because
you read some post on Kora about how
they double in value over time you might
want to take a quick breather never
invest in things you do not understand
it's one of the most important rules of
money disobey it and you'll never be
rich number 12 books songs digital
courses information or
content information is an incredible
thing to be selling because it's
infinitely scalable you write the book
once and then you can sell it a million
times same goes for a digital course a
song or any other type of info or
digital product creating and
distributing such an asset increases not
only the value of the business but can
also make you rich the moment your
product is done your job is to promote
it and get it in the hands of as many
people as you can with music it's even
more interesting because you only have
to get it right once and you could
literally be set for life Gangam Style
is a good example of this one Sai made
over $10 million just from that one song
distributed via YouTube and iTunes not
to mention merch shows licensing and so
on Mariah Carey makes around
$500,000 every single year from one hits
song you all know and love all I want
for Christmas that song alone has made
her over $60 million to date and on a
similar note number 13 royalties now
we've brushed a bit on royalties in the
previous points but there's an entire
world revolving around them the simplest
way to put it you wrote a book that's
great a movie studio wants to buy the
rights to your book and make a TV show
out of it in exchange you're getting a
portion of the money generated let's say
TV show is Friends you've made a ton of
money already the show wraps up after 12
seasons and you're already rich but it
doesn't stop there no no there's a term
called syndication that's when a TV show
becomes so big it makes sense to open it
up to multiple broadcasters so keeping
with a friend's example the cast of the
TV show is still earning to this day
between1 and $20 million per year each
from the reruns of the show that's
insane royalties apply to everything
that has to do with your intellectual
property royalties made George Lucas a
billionaire when he proposed Star Wars
to Studios they didn't give it much
thought assuming it was likely going to
flop instead of paying George $500,000
in director's fees Fox allowed Lucas to
maintain the licensing and Merchandising
rights long story short the movie is a
massive success and by 2011 the toys and
merch have brought in over $3 billion in
order to make up for their mistakes dis
dis bought lucas films for $4 billion
and it took Disney just 6 years to
recoup their
investment number 14 unique rights now
we wanted to mention this because there
are instances where some parties might
have an unfair competitive Advantage
which counts as an asset for example in
the US there's something called the
Indian gaming regulatory act which
grants Native Americans the rights to
all types of gambling activities
regulated under state law law anything
from specialty licenses to geographical
advantages can be considered an asset if
it grants you a competitive advantage in
the marketplace the church is another
example since they don't have to pay
taxes and this happens all over the
world in Eastern Europe almost every
church is run like a business they have
products merch services that cost money
all tax exempt same goes for art museums
and fraternal
organizations and number 15 first mover
advantage and proprietary business
models whenever you innovate in a
commercial manner this Innovation is
regarded as an asset the app store by
Apple is one of those Innovations the
microtransactions in games are a newvo
business model the fact that Netflix
evolved from delivering solid tangible
DVDs to a streaming service has been
regarded as a very valuable asset for
the company it gave them the edge to
capture market share while everyone else
was is still on the sidelines it took a
couple of years for other companies to
catch on and now streaming services are
everywhere the same thing happened to
music you used to purchase physical
albums then digital albums now you just
pay for Spotify title or YouTube premium
Airbnb disrupted the hotel industry with
a new way to rent short-term
accommodations your job is to figure out
a way to take advantage of any of the
assets mentioned in this video and
secure a bag for yourself if you made it
this far into the video we're curious to
know which of these assets do you plan
to secure in the future we can't wait to
hear from you in the comments and we
know okay this was a long video but it
was filled with educational value and we
hope you got your time's worth for those
of you still watching here's a bonus
piece of info the time money time
Arbitrage so this is one of those things
they don't teach you in business school
but if you pay attention it's probably
the most valuable thing you'll ever
learn at this point in time you might
not have the financial resources to
purchase all the assets we mentioned but
you've got an asset that you can
exchange for money and from the subtitle
you probably figured out we're talking
about time okay so the time money time
Arbitrage is when you use time to
generate money then use that money to
buy other people's time that's how you
exponentially grow time working for you
now I know it might sound a bit
confusing at first but we'll break it
down for you pay attention because this
is valuable basically your job is to
identify opportunities where you can
convert time into money and you do that
for some time until you have enough
money to bring in another person because
you've generated this opportunity you
can pay this person less than the money
you're earning for that time and
pocketing the difference this is a
fundamental business lesson it's why
every single company has employees every
single person in an organization is
generating more value for that company
than they're being paid and that company
is keeping the difference this is called
profit this profit is the reward for
solving that time money time Arbitrage
problem so if you're new to business
work your ass off trading your own time
for money and then figure out how you
can use this Arbitrage to build a real
business every business owner out there
understands this methodology but very
few other people know about it because
well they're not thinking like a
business owner now you do and we look
forward to finding out what what you're
going to do with that information if
you've made it this far and you
understand the time money time concept
please write TMT in the comments of this
video everyone else will be baffled by
your comment but we will know who the
true alers are
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