Passive income Plan: Millionaire Starts Again from Scratch! (NO MONEY)
Summary
TLDRDans ce script de vidéo, Mark partage son plan pour redevenir millionnaire après avoir tout perdu. Il propose un guide étape par étape, basé sur son expérience et connaissances actuelles, pour passer du statut d'employé à entrepreneur, puis propriétaire d'entreprise et finalement investisseur. Il insiste sur l'importance de l'épargne, de l'investissement dans des fonds indiciels à faible coût, la construction de son réseau et de son crédit, et la diversification de son portefeuille avec des investissements en immobilier, en actions et en crypto-monnaies. Le but est d'inspirer les téléspectateurs à devenir les prochains millionnaires.
Takeaways
- 💼 La première étape pour Mark serait de trouver le travail le mieux rémunéré possible, même si c'est un emploi à salaire minimum.
- 🚀 Il faut utiliser le salaire comme un moyen de se propulser vers les objectifs plutôt que de tomber dans le piège de la confortabilité.
- 🔄 Établir un side hustle ou un travail secondaire, en tirant parti de la révolution numérique et de l'essor du commerce en ligne.
- 📦 Le dropshipping est présenté comme une méthode pour vendre des produits sans les toucher physiquement, mais cela nécessite des compétences en marketing et de gestion d'entreprise.
- 🤝 Il est important de construire un réseau solide de connexions en éliminant les personnes qui freinent son développement et en se liant avec celles qui l'aident à progresser.
- 💡 L'apprentissage tout en gagnant de l'argent est une stratégie clé pour éviter l'inflation de mode de vie et pour économiser de l'argent pour les dépenses importantes.
- 🏦 Créer un budget strict, établir un fonds d'urgence, investir dans un compte de retraite et ouvrir un compte Vanguard pour investir dans des fonds indiciels à faible coût.
- 👥 Utiliser les médias sociaux pour développer sa marque personnelle et documenter son parcours pour élargir son réseau et attirer des personnes qui pensent de la même manière.
- 💳 Obtenir une carte de crédit dès 18 ans pour bénéficier de divers avantages et construire un score de crédit, tout en étant prudent pour éviter les frais et les intérêts.
- 🛠️ Utiliser l'argent, les compétences et les connexions acquises pour créer un business évolutif, en cherchant un creux de marché, probablement dans le domaine en ligne ou logiciel.
- 🏠 Diversifier le portefeuille avec une concentration sur l'immobilier, les fonds indiciels à faible coût, les comptes de retraite, les investissements dans d'autres entreprises et des placements plus risqués comme les cryptomonnaies.
Q & A
Que pensez-vous être la première étape pour devenir millionnaire après avoir tout perdu?
-La première étape serait d'obtenir le travail le mieux rémunéré possible, même s'il s'agit d'un salaire minimum, pour établir un flux de revenus.
Pourquoi est-il important d'éviter la 'comfort zone' lors de la recherche d'un emploi initial?
-Éviter la 'comfort zone' est important car un salaire suffisant pour être confortable peut devenir une drogue, oubliant tous vos rêves et vous empêchant de poursuivre vos objectifs.
Quel serait le deuxième mouvement stratégique que vous recommandez après avoir trouvé un emploi?
-Le deuxième mouvement serait d'établir un side hustle ou un emploi secondaire, en tirant parti de la révolution numérique et de l'internet pour apprendre le marketing en ligne et ouvrir une boutique de drop shipping.
Comment la pandémie a-t-elle influencé votre approche pour établir un side hustle?
-La pandémie a accéléré la révolution numérique, rendant le shopping en ligne plus populaire que jamais, offrant ainsi des opportunités pour les entrepreneurs de se lancer dans des activités telles que le drop shipping.
Quel est le concept de 'drop shipping' et pourquoi est-il important de le comprendre?
-Le drop shipping est un système où vous prenez un produit auprès d'un fournisseur, le marketez et le vendez en ligne, puis faites livrer directement au client par le fournisseur, vous permettant de faire un petit bénéfice sans toucher physiquement à l'article. Il est important de le comprendre car il nécessite des compétences de marketing en ligne et de gestion des entreprises pour être rentable.
Comment la lutte contre l'inflation de mode de vie est-elle cruciale dans votre plan de réussite financière?
-Lutter contre l'inflation de mode de vie est crucial car elle permet d'augmenter ses dépenses de vie en fonction de l'augmentation des revenus, ce qui conduit à vivre paycheck à paycheck même avec un bon revenu. Créer et suivre un budget strict est essentiel pour éviter cela.
Quels sont les trois objectifs clés que vous devez atteindre avec les économies issues de votre emploi et de votre side hustle?
-Les trois objectifs clés sont de constituer un fonds d'urgence, d'investir dans un compte de retraite chaque année et d'ouvrir un compte Vanguard pour investir dans des fonds d'indices à faible coût, comme le S&P 500.
Pourquoi établir un réseau solide de connexions est-il une partie importante de votre stratégie de réussite?
-Établir un réseau solide est important car cela permet de couper avec les personnes qui vous retiennent et de faire des amis qui vous pousseront vers l'avant. Cela inclut de trouver de nouveaux mentors dont les perspectives et les idées peuvent être extrêmement précieuses.
Quel est l'avantage de demander une carte de crédit dès que vous avez 18 ans?
-Demander une carte de crédit dès 18 ans est avantageux car elle offre de nombreux bénéfices, y compris la protection des achats, des points pour des voyages gratuits, des remises en espèces et, surtout, la construction de votre score de crédit.
Comment la création d'une entreprise évolutive joue-t-elle dans votre plan pour devenir millionnaire?
-La création d'une entreprise évolutive est un élément clé après avoir identifié un trou dans le marché, probablement dans le domaine en ligne ou logiciel. Il est important de la faire grandir aussi vite que possible et de réinvestir les bénéfices dans l'entreprise pour la rendre autonome et ne pas dépendre de votre temps.
Quelle est votre approche pour diversifier votre portefeuille une fois que votre entreprise est devenue autosuffisante?
-Mon approche pour diversifier le portefeuille inclurait 50% en immobilier, 25% en fonds d'indices à faible coût comme le S&P 500, 10% en comptes de retraite, 12% dans des entreprises cherchant des investissements, 2,5% en actions individuelles et 0,5% dans des investissements risqués comme les cryptomonnaies.
Outlines
😀 Redémarrer à partir de zéro
Mark aborde la question de savoir s'il pourrait redevenir millionnaire si tout lui était pris, y compris son entreprise et ses investissements. Il partage que, tout comme Richard Branson, il estime qu'il pourrait le faire, mais en moins de temps qu'auparavant. Il établit les règles du défi : commencer en 2020, être âgé de 16 ans et conserver ses connaissances en affaires et en investissement. Le but est de passer du statut d'employé à celui d'entrepreneur et d'investisseur le plus rapidement possible. Il propose une feuille de route pour devenir millionnaire à partir de zéro dans l'ère moderne, en utilisant ses expériences passées et les opportunités offertes par le monde actuel, malgré la pandémie et l'instabilité économique.
🛠️ Débuter par un emploi et un side hustle
Mark explique qu'après avoir trouvé un emploi, même à salaire minimum, le but est d'établir un flux de revenus et d'utiliser cet argent comme carburant pour ses rêves. Il insiste sur l'importance d'un side hustle, en particulier un commerce de dropshipping, qui profite de la révolution numérique et de l'essor du commerce en ligne. Il partage des stratégies pour vendre des stocks obsolètes des entreprises locales en échange d'une part des ventes. Il met en garde contre l'inflation de mode de vie et recommande de créer un budget strict, d'économiser pour un fonds d'urgence, d'investir dans un compte de retraite et de commencer à investir dans des fonds d'indices à faible coût, comme le S&P 500, pour bénéficier de l'intérêt composé dès le jeune âge.
🔗 Construire un réseau et investir dans des affaires
La troisième stratégie de Mark consiste à construire un réseau solide en se débarrassant des influences négatives et en s'entourant de personnes qui l'amènent à progresser. Il souligne l'importance de trouver de nouveaux mentors et d'utiliser les médias sociaux pour développer sa marque personnelle et documenter son parcours. Il envisage d'obtenir une carte de crédit dès 18 ans pour profiter des avantages et de construire son score de crédit, tout en étant prudent pour éviter les dettes. Il propose ensuite de créer une entreprise évolutive en identifiant un creux de marché, de la faire grandir rapidement et de réinvestir les bénéfices. Une fois que l'entreprise est autosuffisante, il s'agit de diversifier et de se concentrer sur un portefeuille personnel incluant l'immobilier, les fonds d'indices, les comptes de retraite et des investissements dans d'autres entreprises.
💰 Diversification et investissements stratégiques
Pour la quatrième stratégie, Mark détaille comment allouer son portefeuille après le succès de son entreprise. Il réserve 50% à l'immobilier pour générer des revenus locatifs et bénéficier de la valorisation de la propriété. Un autre 25% est investi en fonds d'indices à faible coût, 10% dans des comptes de retraite, 12% dans d'autres entreprises en échange de parts, et 2,5% dans des actions individuelles pour un investissement de risque acceptable. Enfin, il réserve 0,5% pour les investissements les plus risqués, comme les cryptomonnaies, tout en étant conscient des risques et en s'ouvrant à la possibilité de gains élevés.
Mindmap
Keywords
💡multimillionaire
💡side hustle
💡dropshipping
💡lifestyle inflation
💡compound interest
💡networking
💡credit score
💡scalable business
💡portfolio diversification
💡cryptocurrencies
Highlights
Mark discusses a hypothetical scenario where he loses everything and starts over, reflecting on his confidence in becoming a multimillionaire again.
Mark shares the three basic rules for the challenge: starting in 2020, going back to being 16 years old, and retaining all his business and investment knowledge.
The first move Mark would make is getting the highest-paid job possible, regardless of comfort, emphasizing that the job is a means to establish an income stream.
Mark highlights the importance of avoiding lifestyle inflation and sticking to a strict budget to manage finances wisely.
Mark emphasizes the importance of building an emergency fund, investing in a pension account, and consistently investing in low-cost index funds like the S&P 500.
He advocates for building a strong network of connections, cutting off unproductive relationships, and seeking mentors to guide him.
Mark would start documenting his journey and growing his personal brand on social media to expand his network and attract like-minded people.
At age 18, Mark would get a credit card to build his credit score, emphasizing the importance of using it responsibly.
Mark discusses the importance of creating a scalable business with multiple income streams, particularly within an online or software niche.
He highlights the need to reinvest profits back into the business to grow it rapidly and minimize reliance on his time.
Mark's investment strategy would include diversifying his personal portfolio, with 50% in real estate and 25% in low-cost index funds.
He stresses the importance of real estate investments, noting their potential for generating rental income and appreciating in value.
Mark would allocate 10% of his portfolio to pension accounts, emphasizing their tax efficiency and long-term benefits.
He would invest 12% of his portfolio in businesses seeking investment, similar to a Dragon's Den or Shark Tank approach.
Mark would reserve a small portion of his portfolio for high-risk investments like individual stocks and cryptocurrencies, acknowledging their potential rewards and risks.
Transcripts
- Hi, it's Mark.
Recently, I've been seeing this question pop up
on my Instagram posts.
If someone took everything away from me,
my business, my investments, all my money in the bank
would I be able to start from scratch
and become a multimillionaire again?
Well, funnily enough,
that's the exact same question.
I asked Richard Branson
when I was around his house having lunch.
Well, the short answer is the same as his.
Yes, I would be able to achieve it again.
But what I really think is
I'll be able to achieve it
in around about half the time or less.
But, of course, the interest, in part,
is not if I think I could do it
but it's how I could go about doing it.
So, here are the three basic rules
to this challenge.
One, I have to do it from a starting date of 2020.
Two, I go back to being 16 year old.
And three, I keep all my business and investing knowledge.
Now, the challenge will be
to find the fastest way to move
from employee, to self-employed, to business owner
and, finally, investor.
By watching this video all the way through
you'll have access to the exact roadmap
I would personally use to become a millionaire
from scratch in the modern age.
If you listen and use the information
I'm about to share with you,
you could be the next millionaire.
But the first step
along the path is to smash that like button.
Okay, then.
So, we've got to get ourselves into that age pod
which is going to make me 36 years younger.
I like the sound of that.
Just imagine a 16 year old me.
I've just left school
with no qualifications.
I don't have any money
but I do have a dodgy hairstyle.
To top it all off
the world has experienced a global pandemic
causing unemployment to rise
to near the levels
of the Great Depression
and the stock market
has become so unpredictable
things might not look great at the moment,
but in my opinion
this new world offers opportunities
more than you might first think,
especially, if you know where to look.
So, you can keep track of the challenge.
I'm going to put a counter down here.
It's going to track the time
and my net worth
for every stage in the video.
So, let's set it to zero
and get started.
Where's all my money gone?
(television beeping)
- My first move will be getting
the highest paid job possible.
Now, if this is at minimum wage working for McDonald's
or Walmart or anything like that,
that'll be fine.
The aim isn't to be comfortable.
That's actually the worst thing it can be.
When you get paid just enough
to make you comfortable
your salary becomes a drug
and that makes you forget all your dreams.
The only purpose of this job is
to establish an income stream.
Without money, it's very, very hard
to accomplish anything.
Instead of thinking of it as a drug,
I will be using it as fuel
to propel me towards my goals.
My second move will be to establish a side hustle
or side job of some sort.
The pandemic has fast tracked the digital revolution.
Online shopping is more popular than ever.
And the internet is an unbelievable tool
for our new entrepreneurs.
Online marketing would be the number one high-income skill
that I would want to learn.
The best way for me to do that
and make some money on the side
would be to set up a drop shipping store.
Drop shipping is when you take a product from a supplier,
market and advertise it online
and then get the supplier to ship it directly
to the customer for you,
allowing you to make a small profit
without even physically touching the item.
On YouTube, drop shipping is advertised
as this awesome way to make lots of money
without doing any work.
Do you know what?
That's not really the reality.
Running a profitable drop shipping store
requires you to learn the basics of business,
how to run ads on social media,
how to build a website,
how to write in a way
that makes people want to buy, graphic design,
and, in some cases, video editing.
I've approached lots of local businesses and shops
and talked to them about the stock
they've got sitting around
that they can't sell.
Almost every business has stock
it wants to get rid of.
And, normally, this will be, you know,
the end of the line product, for example.
Some of it has gone a bit out of date
and with all my online marketing knowledge.
I've been the perfect position to help them.
So, you can say, look, I'll tell you what,
I'll give you 50% of what I sell it for.
Now, if that's in cash
any business owner's going to be very happy.
It's a win-win situation.
I'm a big fan of learning while you're earning.
And this is where I would take a real step back here
and take a deep breath
before taking on the hurdle
so many people fall at.
And that's the lifestyle inflation.
This is when people increase the amount
that they're spending on their lifestyle
as their income increases.
Maybe to impress their friends
or they see it as rewarding themselves.
They end up living a lifestyle
that's paycheck to paycheck
even on a good income.
To avoid this
I would create a budget and stick to it religiously.
I need to have enough money
to do three extremely important things.
One, I'll build myself an emergency fund.
This is a savings account
with three to five months of living expenses
to be used if something unexpected comes up.
And that will help me stay out of debt.
Two, invest in a pension account every year, without fail.
Three, open a Vanguard account
and start consistently investing
in low-cost index funds
like the S&P 500.
I mean, this is a collection
of top 500 companies in the USA.
You can't go wrong
by owning a part of all of them.
The money will grow with the USA economy
which long-term has always increased
but starting at such a young age
I would be able to take advantage of compound interest.
And if you're familiar with the snowball effect
you already know that something can build upon itself.
My third move would be building
a strong network of connections.
This means cutting off the people
that holding me back
and making friends
with people that are going to push me forward.
An important part of this
would be finding new mentors
to help guide me.
Their insights would be extremely valuable.
If they're able to see my situation
from a different perspective
I could bounce ideas off them
and hear their opinions.
Now, we'll do this by using social media
to grow my personal brand
and documenting my journey.
Everyone is online now,
and I'd want to take advantage of that attention
and publish as much content as possible.
This is the fastest way to expand your network
and attract like-minded people.
When people feel a personal connection towards you
then it opens up many, many doors.
Even more than you could imagine.
My fourth move would happen the day I turned 18.
It will be getting a credit card.
In my opinion, this is one
of the best things you can ever do
as long as you use it correctly.
A credit card has so many benefits,
including protection on purchases,
points you can use for free travel, cashback,
and, most importantly, building your credit score.
The younger I'm able to start building my credit score
the better, because it means in the future
that when I'm ready to invest
in property and things like that,
I'll have better access to better loans.
But, be warned, credit cards are like fire.
They keep you warm
but they can burn you
depending on how you use them.
So, only ever buy the things
that you would be buying anyway,
like gas or groceries.
I would make sure to pay them off
in full at the end of every month,
in order to avoid paying any interest
or late fees.
Move number five,
we'll be asking you
to smash that thumbs up button
and ring that bell,
If you haven't already done it.
It really helps YouTube show my videos to new people.
My fifth is where things really start coming together.
I would use the money, the skills
the connections I've built
during the all of this start-up time.
And then I'll make a scalable business
once I've identified a gap in the market,
most likely within an online or a software niche.
As soon as the business shows promising signs
I would go full throttle at it
and grow it as fast as possible.
There was no point in growing slowly.
As my competitors would be catching up to me.
And every day I wasn't sending
to as many customers as possible.
I'd be effectively just losing money.
I would reinvest as much of the profit as possible
back into my business.
The main name would be setting it up
in a way that is not reliant on me and my time.
I'd also want to make sure
that there were more multiple income streams
within the business, in case,
for any reason that one of them was cut up.
Once my business was able to support itself
and it was making money on almost autopilot,
it will be time for my sixth move.
Diversify and focus on my personal portfolio.
50% of my portfolio will consist of real estate.
As rental properties can generate income all year round.
I'd make sure to take into account the school links,
income level of the area,
and also if it's an up and coming area.
The rental income is great
and it will pay off your mortgage,
but the increase in the value
of the property, generally, is fantastic.
if you buy right.
The wealthiest people, nowadays,
collect property the way they used to collect classic cars.
Interest rates are low,
prices have fallen,
and you don't have to tie up a lot
of cash in the investment.
And with apps like Airbnb,
I could also consider short-term renting.
25% of my portfolio would be in low cost index fund,
like the S&P 500,
as this will allow me to be growing my wealth
with the stock market.
Pension accounts would make up 10%.
I always think the word pension sounds like old-age old
and I think that's the reason why it puts a lot
of young people off doing a pension.
The truth is the word may be old,
but they're one of the best,
the most tax efficient long-term investments
you're likely to ever make.
12% will consist of investing my money
into businesses seeking investment.
This would be, you know, a lot like Dragon's Den
or Shark Tank.
In return for a percentage of their business
I'll be offering my money, mentoring and connections.
I would use two and a half percent of my portfolio
to dabble in individual stock.
This is money that I can afford to lose,
so, I can have a bit of fun with it.
Maybe purchasing a bit of Tesla,
a bit of Apple, who knows.
But you can just have a little play
and you never know where it's going to take you.
I'd reserve half a percent
for the most risky investments, such as cryptocurrencies.
Now, you've gotta be careful here.
You've got to do an established brand like Bitcoin.
Although, I wouldn't recommend this to anyone
that doesn't already have
a strong investment portfolio established
and can afford to take the risk.
I'm opening myself up, a little bit,
to the possibility of reward
without worrying about any losses.
If cryptocurrencies see another boom,
like the last 10 years,
then I want to make sure I get my fair share.
If you liked this video
then you're going to love this next one.
I'm going to leave it right here for you,
but don't click on it just yet.
If you liked the video,
drop a like on it for me
and subscribe to the channel
and ring that old bell if you want to grow your wealth.
Okay, so, you can click on it now.
I'll see you over there.
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