Author: Tim
Thinking in Percentages: A Smarter Approach to Money and Life
Understanding money through percentages instead of absolute numbers can change how you make financial decisions. Learn why high-income earners still struggle, how percentages improve decision-making, and how to apply this mindset to grow wealth efficiently. Why Thinking in Percentages Matters Most people think about money in absolute dollar amounts—how much they earn, spend, or save. But… Read more
What Does It Really Mean to Be a Millionaire? The Four Types of Wealth
The term millionaire can mean different things depending on how wealth is measured. Learn the four definitions of millionaire status—assets, net worth, income, and passive income—and which one leads to true financial freedom. What Does It Really Mean to Be a Millionaire? When someone says they are a millionaire, what does that actually mean? The… Read more
Why You Feel Broke Despite a High Net Worth
Introduction Many people with significant net worth still feel financially constrained. The problem? Most of their wealth is tied up in illiquid assets like homes, retirement accounts, and businesses. While great for long-term growth, these assets don’t provide financial flexibility. This article will introduce the Liquidity-to-Net-Worth Ratio (LTNWR)—a key metric to determine how much of your net worth… Read more
The Hidden Power of Dividends: How Compounding Builds Wealth & Passive Income
Why Dividend Investing Is the Ultimate Wealth-Building Strategy When people think about Mailbox Money, dividends are the first thing that comes to mind—passive income that requires zero effort, yet the cash keeps flowing. Unlike rental properties that require management or businesses that demand oversight, dividend stocks require nothing but patience. If you invest in strong companies that grow their dividend… Read more
You Hit Your Number… Now What? Avoid the Post-FI Identity Crisis
For years, you worked, saved, and invested with a single target in mind: the number. Maybe it was $1 million, $5 million, or enough passive income to cover your expenses. Whatever it was, you’ve reached it. Congratulations! You’re financially independent. But now, something unexpected happens—you wake up, look around, and ask yourself: “What now?” It turns out, hitting your… Read more
Why Incentives Drive the World – Charlie Munger’s Secret to Wealth & Success
Why Incentives Drive the World (and Your Financial Future) Charlie Munger, the legendary investor and lifelong partner of Warren Buffett, built his wealth not just through investing but through understanding human behavior. One of his most famous principles? 👉 “Show me the incentives, and I’ll show you the outcome.” Incentives drive everything—from how businesses operate to how people… Read more
MrBeast’s $5M Coin Flip: A Masterclass in Risk & Reward
MrBeast (Jimmy Donaldson) has built an empire by understanding what makes people watch, click, and care. His latest venture, Beast Games, backed by Amazon MGM Studios with a staggering $100 million budget, is his biggest project yet—and it’s redefining the future of entertainment. But one moment in Episode 9 stood out beyond the spectacle: a single $5 million coin flip that… Read more
You Only Need to Get Rich Once: How to Build Wealth and Keep It
You only need to get rich once—after that, it’s about keeping and growing your wealth. Learn why the first million matters most, the pitfalls of lifestyle inflation, and whether investing or entrepreneurship is the best path to financial freedom. Why You Only Need to Get Rich Once Most people think about wealth as a never-ending pursuit,… Read more
How to Stay Broke and Work Forever (Effortlessly)
Let’s face it—some people just love the grind. They work endlessly, save nothing, spend recklessly, and make sure they never escape the paycheck-to-paycheck cycle. If that sounds like a nightmare to you, great—you’re in the right place. But if you want to guarantee a life where you never achieve financial freedom, here’s your step-by-step guide to… Read more
How to Generate Mailbox Money
Here are five proven ways to build passive income streams: 1. Dividend Stocks – The Classic Mailbox Money Investing in dividend-paying stocks is one of the simplest ways to create passive income. Companies like Coca-Cola, Johnson & Johnson, and Apple pay shareholders just for holding their stock.📌 How to Start: 💡 Want to see the power of dividends? Use… Read more