Here's the Money Making Secret Your Parents Didn't Tell You About
You cannot save your way to financial freedom!
Don’t be the Blind Investor!
This year, the S&P 500 hit more than 50 all-time highs, one of which occurred the day after Donald Trump was elected president on November 5th.
Since then, many companies have continued seeing massive gains on Wall Street. Some notable companies include Tesla, Goldman Sachs, and Morgan Stanley.
Will the bull market still be in effect in 2025? Many strategists believe it will, but I’m not entirely convinced it will last another 12 months… not yet, at least.
According to US recession probability indicators, our economy still has a 57% chance of facing a recession within 12 months.
Don’t get me wrong—like most investors, I’m looking forward to some of the economic policy changes Donald Trump plans for investors. So, I’m regularly investing now.
However, I’m also paying close attention to the fact that the Nasdaq, S&P 500, and Russell 1000 Growth Index all sit on historically stretched valuations.
The Buffett Indicator is a market valuation tool supporting this narrative. It monitors market valuations across indexes and flashes “WARNING” signs whenever they exceed 100%.
Recently, it climbed to 209%!
And Warren Buffett—the billionaire investor the indicator is named after—might be thinking exactly what I’m thinking: this can’t last forever.
Since early July, his Berkshire Hathaway fund has sold massive shares of overvalued companies. Now, the company reportedly holds a cash pile of $325B. And if you know Warren Buffett, you know he loves buying companies at a discount. This might be his way of preparing for a near-future downfall.
Although, to be fair, a recession is unlikely to happen before the year ends.
Realistically, markets will probably continue to climb upward before Donald Trump’s inauguration on January 20, 2025.
Why? Because company valuations have little to do with whether a stock increases or decreases.
What influences the rise or fall of a stock price is market sentiment, and there’s tons of positive sentiment around Donald Trump's return as President.
So, let’s have this conversation again after he takes the Presidential office.
56% of Americans Say Parents Didn’t Discuss Money with Them
Yahoo Finance says 57% of Americans can’t score 50% on a financial literacy test.
Why? More than half of Americans say their parents did not discuss money with them, probably because most of them don’t understand money themselves.
Recently, high schools have been offering financial literacy courses. But before this new “wokeness” around financial literacy happened, few high schools provided a financial literacy course, and the ones that did—like my alma mater, Hamilton High School in Los Angeles, CA—certainly didn’t require it to graduate. The same goes for colleges.
So, if your parents didn’t discuss money with you, please empathize and allow me to fill the gap.
To be successful with money, remember these three main principles:
Fish for yourself
Many adults now turn to financial advisors, investment bankers, robo-advisors, etc., for financial help. While there isn’t anything inherently wrong with that, you must understand that you’re putting your financial security in someone else's hands.
I’ve always viewed this process as cheating on someone’s test paper—you put all your eggs in the basket of someone who may or may not know the subject better than you.
Remember, unlike doctors, lawyers, and therapists, financial advisors don’t need certifications to practice in their field.
So, if you don’t know much about finances, you can’t verify that they do.
Additionally, you’ll pay a fee to use these resources, ultimately taking money out of your pocket when the point is to put money into it.
The best way to become financially literate is to learn to fish for yourself—research, experiment, join communities that teach you about money (like this one), and learn as much as possible.
The famous quote says: “Get a fish, and you’ll eat for a day. Learn to fish, and you’ll eat for a lifetime”—or something like that.
Budget
Many think they either don’t need a budget or decide to budget mentally. Big mistakes!
Mental budgeting is tricky because you’re constantly dealing with moving numbers and percentages, not to mention various spending and saving categories, and dividing them into various pay periods; it’s confusing.
On the other hand, with no budget, you’ll have no idea where your money is going. You’ll find it hard to make financial decisions when needed—let alone a logical one.
Trust me on this… just budget! Here’s an article to help you get started.
Invest
I once made the mistake of saving more than I invested. Later, I realized that decision cost me hundreds of thousands of dollars in potential returns. Please don’t make the same mistake I did.
Wealthy Americans know that their money must be invested if they plan to grow their wealth. In fact, the top 10% of affluent Americans own 93% of all U.S. stocks.
They know that you cannot save your way to financial freedom.
Investing does two things for you:
It makes money that you don’t have to work for.
It makes money faster than the money you’re working for.
For example, 21 days ago, I invested in two companies. They have returned 45% and 20% without any additional input.
Imagine if I had sized up those positions. I could have easily tripled or quadrupled those returns without any extra effort.
When you decide to invest your money, your potential return is unmatched compared to the average savings accounts.
The average annual return on a high-yield savings account is 4.5%, and traditional savings accounts return even less, with an average of 0.45%.
Savings are for rainy days, vacations, and significant future purchases. Investing is for everything else!
Investing is the key to growing your wealth, whether in stocks, real estate, bonds, or other investments. Learn to invest for yourself!
Tools and Resources
The Secret to Making an Extra $60,000+ in 2025:
You can make much more money in 2025 without getting a second job!
Swing trading is your solution. It involves buying and selling assets for a profit over a few days, weeks, or months.
You can do it from your house for a few hours a week, and the amount of money you can make is limitless.
Don’t believe me?
In November, I made a net profit of $5,798.00, only trading a few hours a week.
Imagine doing that every month.
I’ve spent years and thousands of dollars reading books, taking courses, learning about the stock market, and developing a system that allows me to make money consistently.
You can learn how to do this, too. It isn’t rocket science—although, I’m sure you could learn that too if you wanted to.
Join the Swing Trading workshop waitlist:
You’ll get my list of companies I’ve traded for the last 3 years, my rules for when to buy and sell, the only technical analysis “secrets” you actually need to make money, and live Q&A sessions.