The Math Behind $1M – "Save/invest $2,740/month at 8% return" – "Or $1,370/month at 12% (stocks)"
Boost Your Income ✔ Side hustles (Freelancing, YouTube) ✔ Upskill for high-paying jobs (Tech, AI) ✔ Negotiate raises or job-hop for +20%
Slash Expenses ✂ Cut 3 big costs (cars, dining out, subscriptions) ✂ Use 50/30/20 rule (Needs/Wants/Savings) 💰 Aim to save 40-50% of income
Invest to Grow 📈 Index Funds (S&P 500: ~10%/year) 🏠 Real Estate (Rentals, REITs) 🚀 High-growth stocks (Tech, Green Energy)
Avoid These Mistakes ❌ Lifestyle inflation ("Don’t upgrade with raises!") ❌ Bad debt (Credit cards, luxury loans) ❌ Waiting to invest (Start TODAY)
Real Success Story "Sarah saved 1,500/month+ETFs→∗∗1,500/month+ETFs→∗∗1M by 35**" 💡 "Consistency + Time = Wealth"
Your Action Plan ✅ 1. Track income/spending ✅ 2. Boost income by $500/month ✅ 3. Automate investments