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let's go [Music] Oh you wanna go let's go take your money today and let's know ladies and gentlemen what is going on this is your boy master teacher and I'm back again you guys can see the title of the video I'm gonna get into that but first I just wanted to point out that I got a kind of I get a bunch of emails from from you guys every day but one in particular I'm really excited about and I want to share it so this is from nail shout out to nail man so now he uh I guess he watched my video in the Philippines and he took my advice and he went out to the Philippines and he's engaged he met his wife out there he says actually I'm engaged now and we'll be married in the near future to the Philippine of my dreams and nail sent me some pictures of him and his fiancee and she is beautiful I'm really excited about that cuz that that confirms that everything that I'm telling you guys is the truth I made a video about the Philippines like a year or two years ago and looking at these pictures I might have to reconsider going back to visit the Philippines I went to the Philippines six times already okay it's just so out of the way to where you know we're living in England now the Philippines is so far out of the way I could go take a small trip to the Philippines when I go to Thailand but I don't know I'm thinking about it now and if you guys are wondering you know today is March 17th it is 836 a.m. here in England and I'm already drinking I got me some some rum and some apple juice I mix it up I don't care I love wrong but yeah this is interesting really excited man congratulations to uh to that brother man I Kurt like I said I encourage all you guys man get your money right start stacking your money up that way you can move and maneuver you're not focused strictly on America you know I'm saying you can go to whatever country you want to go to get the lay of the land learn a language if need be interact with some locals make some friends build connections and in his case find a wife so that's great update so as you guys know in my last video I made I mentioned that I'm starting a business and I was coming up with some business names trying to figure it out so actually I I I went ahead and solicited my dad for help and he came up with the name for me so my dad as always he's given us me and my brother names all the time so it's kind of significant that you know I take the name that he came up with it took him a while but drumroll the name of the business is gonna be think smart financials okay so I already had the domain I started I got on legalzoom.com and set up the process just to get the LLC up and going it was like $500 so I should be getting my ein and all that stuff I can set up that way I can start a financial coaching on a more one-to-one basis I think I can help a lot of people if I've already helped a lot of people so let's just get it on paper going to go to the I'm gonna enroll in the Dave Ramsey financial coach seminar here shortly as well that way I can get another credential under my belt because the more cadet credentials I have the more I can service you guys you know what I mean like you know I have this degree of Finance but I don't intend on going into the financial sector working for somebody I think I think I have too much money to do that to be honest like I can't build a business on my own so once I finish what I'm doing now with with the employer I'm with I'm gonna be starting my own business so that's where we're at think smart financials think smart financial calm one-on-one financial coaching from the master teacher is coming this year so stay tuned for that and I'm looking forward to helping you guys alright so this cut this topic that we're gonna get into I've covered it before loosely but I want to talk about it again all right so this is just my my opinion I think that the first $100,000 the first $100,000 saved is the hardest okay you guys have to understand that a lot of people never see a hundred thousand dollars in their bank accounts or portfolio it's a number that a lot of people never see but it's very attainable if you have the right tools in place and if you have the mindset to reach it okay I'm gonna explain to you guys how I'm reached a hundred thousand dollars okay and I'm sure there's some guys in the comments who have done the same thing once you get a hundred thousand dollars once you have it saved your network I'm not gonna go into net worth because that's different but say $100,000 some people I understand you have a mortgage or whatever the case is but when you have $100,000 in an investment portfolio things change because now I think once you once you hit that threshold of a hundred thousand the next 100 is going to be easier and then so on and so on and so on and I think that if you can focus just on trying to get to a hundred thousand dollars you can be a millionaire you can work towards being a millionaire because it only gets easier from there okay so how did I do it very simple okay my income all my income wasn't always great okay but over time you know I'm 34 years old I make a little money now but when I hit a hundred thousand dollars I hit a hundred thousand dollars in 2011 easy to 2011 or early 2012 and the reason why I hit a hundred thousand dollars is because I was I had downloaded that mint app that I told you guys about a lot of people don't want to download that mint app because it's gonna tell you the truth okay once you load up all your accounts all your debts credit cards and all that stuff it's gonna tell you the truth and that truth is your net worth okay what you own subtracted by what you owe and it's gonna show you specifically how much money you have right now what is your worth and I remember when I first started using the app I had like sixty thousand dollars to my name and I was trying to figure out okay now what do I got to do to get to a hundred thousand dollars like no one oh this wasn't no one's was motivating me no one was um you know I wasn't listening to anyone specifically talking about the road to a hundred thousand dollars this is my this is this is my thought process I figured that if I can get to a hundred thousand then I could be a millionaire if I can grind to the one hundred thousand and get those habits in place okay so I downloaded the mint app and I saw I only had 60 thousand dollars to my name some of it was the IRA I had a little mutual fund which wasn't doing too well and I looked I started looking at my processes okay what can I do to get to a hundred thousand dollars so I started looking at the first thing that is extremely important the first thing that is extremely important enough set this a million times is your budget you have to visually track your budget visually not in your head because when you try to do math in your head your money your numbers can fuzz up and you can't track your progress efficiently when it's in your head you have to get it on paper now when it's on paper we live in a digital world now so it doesn't necessarily have to be paper per say it can be the mint app or any every dollar or any excel product that you use you have to physically track it okay and once you physically track it you can say like for me the last car I bought I had bought it for thirty thousand dollars okay and I started looking at my balance on my in my bank account and I can see me paying it off paying down the debt and I can also see the interest charges okay visually I'm tracking all that stuff so now that I'm seeing I'm getting charges a ridiculous amount of interest like fifty or sixty bucks a month in interest I need to get more aggressive in getting this paid off yeah I'm saying now it's on my radar a lot of guys and gals these financial institutions be nickel and diming you but and you don't even acknowledge it or catch it because you're not tracking it okay you have to be cognizant and you have to track everything even if it hurts is it's scary looking at your bank account when it's not good I see a lot of posts on Instagram and Facebook where people's like oh no I'm scared to look at my account after last night bla bla bla it's tough you have to look yourself in the mirror and say okay this is not good now but it's gonna be good later okay that's the first thing always track your progress the second thing you need to get extremely extremely aggressive and paying off your debt for a lot of reasons there's a couple of reasons why you don't want to have a bunch of debt okay first of all you get nickels and dimes in interest every month you're making these insurance companies not insurance companies but you're making these banks rich off interests because they're feeding off your ignorance okay - you're essentially a slave to these companies because you have to pay every month and if you don't pay they're gonna tack on more interest and it's more money out of your pocket okay and 3 which is really important to me when I'm going to these different countries I don't want to think about a credit card or a car loan or any institution I have to pay while I'm on vacation and having a good time like it's just this of this culture of consumerism is destroying a lot of people and I've wrote a 10 page paper on this when I was getting my degree I got a hundred on the paper by the way but consumerism is destroying a lot of people and they they're mentally programmed to think that they have to have a new car okay they have to buy these clothes they have to take on these credit card deals you know you see I remember one time and when I was in the I was shopping and Express and the lady she got my roommate but she didn't get me she was fine too but she uh actually knew her by the way like I we kind of had a little sidebar conversation before the fact but she was trying to sucker me into getting a an express car of credit card she's like you know you'll save 20% on your first purchase if you buy if you if you open up this Express card and I'm like that's what that's what gets a lot of people these credit cards and this on this interest rates a lot of these companies they don't tell you a lot of these companies they make the most of their money off of selling cards to people this was discovered with Victoria's Secret Victoria's Secret makes a lot of their money off finances they don't make their money off of selling lingerie or underwear another that stuff they do not make that's not where the bulk of their money is the bulk of their money happens at the cash register when the sales associate convinces the customer to get a credit card with the company that's where the money is made they're pushing and pushing and pushing for you guys to open these cards up that way they can keep you in their system oh you can use your Victoria Secret card here and you can save 5% only your next purchase of underwear you say 5% on some underwear that costs them the company 3 dollars to make or less and they're charging you $20 for them but you're saving some money in there somewhere you see what I mean like it's a game you guys have to be cognizant isn't and it's not just victorious everywhere okay never put color on a credit card that's ridiculous alright so now that we talked about that here's another thing that that helped me get to my road to 100,000 okay investing we've talked about this lots and lots of times the investment portion I think is the most how can I put it investing is it's very difficult it's not easy okay finding the right investments can be hard it takes time even for someone like me they empty I will tell you guys I don't know if I set it on record but one of the first mutual funds I had was a mutual fund that was invested primarily in precious metals and minerals gold okay when I originally bought this mutual fund back in 2005 I looked at the 10-year coz what I do when you look at mutual funds and look at investments you want to look at the first thing you want to look at is the history you want to see okay how did this mutual fund handle itself in a 10-year period okay so in that 10-year period we had some market crashes we had the dot-com bubble this is back in 2005 so ten years prior to that and you were looking at okay well hi let's mutual fund perform in this in this timeframe you know how's the fund manager is he a good guy what's the expense ratio look like was to turnover ratio XYZ what is the annual rate of return all that and I looked at it at that time and it appeared to be a good fun okay flash forward to 2010 2011 on that particular mutual fund I lost I sold it I got rid of it I lost like $16,000 when I sold it and it was mainly because of the market that I was in precious metals and minerals I tell you guys now don't waste your time with precious metals and minerals because I didn't know at the time how I was looking at numbers but I didn't understand the sector precious metals and minerals is a fear-based sector gold precious metals all that stuff they don't have an intrinsic value the value is placed based off of people's perception it is not based off a like a company that produces a product you can do it use a formula to calculate how much this company is worth based off of the output with gold you're just taking a guess one day people could say you know we don't care about gold or one day oh yeah we love gold is based off consumer perception okay I didn't know that so at the end of the day I end up losing $15,000 and $15,000 is a lot of money especially when you're like well holes are the time like 23 24 25 something like that okay so investing takes time but if you pick the right investments early take the time do some research go simple S&P 500 index fund small cap large cap growth growth in income international diversify it out may get you one sector fund I have one when in health care ok talk to a professional early on helping you get your portfolio together and once you get your portfolio together start building and building and building and using automatic allotments ok this is a key this is very very key this is how you stack really really quick automatic allotments ok and it hurts because once you start your automatic allotments that's it some people you know they say well you know when I get paid then I transfer the money to my savings account and then their friends call them up and say hey we're going to we want to go to Greece as weekend you got money let's go and they decide you know what maybe I shouldn't transfer that money to my savings account is usually I'm gonna go to Greece that's where they mess themselves up when you try to transfer money to your transfer of money manually to yourself something always quote unquote comes up okay so do yourself a favor get automatic alignments set them up like clockwork I've mentioned this before like I think automatic allotments is one of the best inventions ever because it's so everything is on cruise control you know you get paid it goes directly to your savings account or your mutual funds and boom painless and then once you get a pay raise up at the percentage up to percentage up to percentage and before you know it you're gonna have Bank okay everything that I'm saying it sounds difficult but it's a lot easier through application okay stacking a hundred thousand dollars is not impossible I want you guys to get to that point okay I want to see more people traveling I want to see more people investing their money especially us because we have a very very bad habit of not saving money it can be done okay budget your money minimize your debt completely okay I understand if you have a house have any houses one thing I understand okay and investing keep it simple nothing exotic SP 505 index funds start there and everything is gonna it's gonna work yourself out if you stick to a plan it's just like when you in the gym okay I've been in the gym and you guys like I haven't posted any videos you know I'm saying like but I've been gaining some weight in a good way getting trying to try to get my arms right trying to get my chest right flat stomach and everything but when you stick to a plan it's gonna work yourself out if you are consistent and I think that you guys can get to $100,000 if you remain consistent that's really all I got all that it's a lot easier than you think and like I said I did it in 2011 2012 and was it 2019 now money is good that's why I travel so much speaking of traveling like I said April 5th I'm going to meta-gene Columbia and if you're not following me on Instagram shame on you empty investor I'm gonna be I'm gonna let the uh I'm gonna let the top off of this one when I'm in Columbia I'm gonna be showing y'all some things while I'm out there okay a lot of things I got a couple of friends that's ready to see you boy so Columbia is gonna be April 5th April 19th I'm still trying to figure out where I'm gonna go to see the Barcelona some of my boys are talking about Barcelona Greece Kiev they want to go back to Poland like my boys want to go to Poland they want to go to Warsaw like here's the deal about poll real quick so I have a group of buddies that we're talking about polar until I made that video and now they want to go to Poland they with the Poland once after I made the video and now they want to go back like Sears to do it like if so many freaking is I wish I was more than one person sometimes because I want to go to Poland I want to go back to Poland and have a little fun because it's warming up now I want to go to Prague again I haven't been to Kiev Ukraine I want to go there a lot of people have been talking about Kiev all right I want to go I am going to Columbia I want to live there and I really really really really really really want to go back to Brazil like I'm going back and I want to go back in November and stay for like a week and a half at least we're also gonna go mmm Croatia my voice is my buddy his wife is croatian croatian and word on the street is they like brothers out there so i want to go check that out there's just so many options man that's that's my problem first world problems i got too many options i don't know where i where to go but i want you guys to have to have that same issue that I'm having it man it's not about money no more yeah I'm saying money is not even an issue no more it's about time and work I can best spend it all right again think smart financials I will be doing one on one coaching with people the layout will be I'm gonna ask you a series of questions before the consultation that way when we talk for an hour we can just get right into it okay I've changed people up without even having it an hour this is just people just through email conversation like onesie twosie conversations imagine what I could do with a whole hour talking to you spit that knowledge getting you right helping you financially setting you on the path to success recommend in different countries to you where you should go who you should talk to I may even consider giving you some of my contacts while I'm there depending on the conversation you feel me like man like trust me man I got y'all all right empty gonna help y'all out and some people were saying like you know Schuyler why do you why do you give out so much information like why are you you should be keeping it to yourself like you should be telling all these guys about these different countries and doing these different things and all that stuff my opinion is like this real quick it don't take you guys you guys go to these different countries having a good time it does not take no food off my table okay yeah it really don't like I don't care cuz there's so many different places ago you can you we can we can ship a million a million people I can send a million people to Brazil and it ain't gonna change nothing I can ship a million people to freakin Colombia it ain't gonna change nothing like it does not take any food off my table to help nobody okay that's either financially travel wise none of that stuff it does not bother me I do not withhold information out of fear that it's gonna affect me because I'm the MT come on now I'm always ahead of the game so yeah I'm gonna help you guys out it's nothing to me alright so if you're not following me on instagram you really should as soon as possible empty investor cuz I'm telling you guys April 5th I'm gonna letting the cat out the bag like I have some girls on Instagram that following me that we've been talking for a little bit chit-chatting they bout to see something they want to see finance Columbia chick dancing on my Instagram it is what it is holla at your boy this is another episode of empty investor ha let me piece [Music] [Music] [Music] [Music] you