I want to figure out if its a conceivable for me to be a millionaire by the time I am 25.
Currently I am working as a waiter making around 1000 dollars a month. My only expense is my gas. every day i have put my tips in the bank and im up to about 850 . I will break the 1000 dollar mark this week. I also have about 11Grand in the stock market in Stocks such as apple and Agilent. I want to know the best way to save my money weather it be mutual funds or stocks. I also want to know any way to increase my revenue to the point were being a millionaire by my mid 20's is a possibility.
TL:DR
I have 1200 dollars now and i want to have 1million in 6-8 years. Wat do?
A guy in about a years time trades from a paper clip to a 2 story farmhouse......
It was essentially a pack to power...people traded with him just to be known as the guy who traded something to the guy who got a house from a paperclip
Save like Mad while working out how to build the skillset for a better job. There's no shortcuts. If you want to be the 90th percentile in assets, you need to be "better" than 9 out of 10 people in some aspect of yourself that helps you make or keep money.
Whether that's discipline, hard work, or just pure raw talent (or better yet: all of the above), you need to be better than 9 out of 10... And that's not 9 out of 10 waiters...
Save like Mad while working out how to build the skillset for a better job. There's no shortcuts. If you want to be the 90th percentile in assets, you need to be "better" than 9 out of 10 people in some aspect of yourself that helps you make or keep money.
Whether that's discipline, hard work, or just pure raw talent (or better yet: all of the above), you need to be better than 9 out of 10... And that's not 9 out of 10 waiters...
That's 9 out of 10 sampling of adults.
I know i wont get there being a waiter.
What investment Strat should i have. I am currently debating investing in a High yield mutual fund with C-shawb.
What investment Strat should i have. I am currently debating investing in a High yield mutual fund with C-shawb.
Your thread is titled "I want to have 1 million dollars by the time I'm 25"
I offered advice for how you could become a millionaire by maybe 30. Internet enterpeneurship is an incredible longshot and again, you need capital and skillz, not just an idea.
-
but if you're trying to make it by investing... yikes!
You say have about $11 grand in stocks like Agilent and Apple. But then you say you have about $1200 dollars right now to invest. So your total portfolio is $12200? Or $1200?
And you make $12K a year as a waiter?
And in 6-8 years you want to have a million dollars... via INVESTING?
Its highly unlikely, and if anybody in this thread knew how to turn $12,200 into $1,000,000 in 6-8 years via passive investment, we wouldn't share it with a stranger.
There is no investment strategy you could possibly have that would be even remotely likely to make you a millionaire in 6-8 years with a $10,000-ish starting investment.
-
Things that have a small possibility of working: You could go buy megamillions tickets with all the money... or you could bet a long shot at the horses to win, at multiple different tracks. Could play blackjack at a big dollar table and just hope you get lucky. Even drugs (drugs is a very competitive business as well, your chances of ending up dead are far higher than your chances of becoming a millionaire).
Learn how to invest in derivatives, high risk, high yield. That's one way to leverage a small amount of cash to control much larger money (if it goes up a little, you get a lot, if it drops a smidge, you lose everything).
If you want to invest... read some books on investing and become good at it. It's way too complicated a topic to cover in a thread here. But investing is not supposed to WIN you gads of free money. It's a way to protect the money you earn the old fashioned way, and maybe grow a little in the process of time..
The only way to make that much money is to really understand mathematics. So tell me what rate of return you'll need on your investment to turn $11k into $1m in 7 years. If you can't do this simple calculation, then you absolutely aren't going to make it happen.
The problem with defining [EDH] by what is "fun" is that everyone seems to define fun as what they don't lose to. If you keep losing to easily answered cards, that means you should improve your deck. If you don't want to improve your deck, then you should come to peace with the idea that you are going to lose because you chose to not interact with better strategies.
This wont make you a millionnaire by 25 but i recommend finding stable stocks with a history of quarter paid high yeild dividend payouts and set up a drip fund to reinvest all dividend payouts in to the same company for compound growth.
Its hard to become a millionaire working for someone else. Investing takes large amounts of capital to make huge gains, and even when you get to the million you cant take it all out and think you are set. You need to change your life style accordingly to live off the intrest.
Becoming financially comfortable takes hard work and a solid skill to market in a market that needs it.
To become rich, takes timing, a sellable idea or product and the capital to struggle thru the lean years until you start making money off of idea or product.
If you look at alot of the new millionaires minus athletes, thier wealth has been a combonation of luck, timing, and area.
On the plus side, you could slowly invest and be able to enjoy your 40s and older quite comfortable as long as the market doesnt crash again.
Millionaires are made by skill and/or talent and hard work. It's also really rare, although it is possible to be a millionaire in your lifetime.
The millionaires at 25 are the ones who created your investment fund, not the people who invest in it.
There aren't any legal quick and easy ways to have a million dollars in six years. You can be in a substantially better position than you are now, however. The advice given to you so far is decent, but essentially just invest in your own skills and continue to live frugally.
You could take up a life of crime. Otherwise I am not sure how you will do it, given you don't have a million-dollar idea or enough money to get rich through the market.
That's the best advice I can give you. You have 10000 to start with so you should be able to lease a nice studio and get good production quality.
If you don't like this idea you could give me a 10000 dollar investment to drop my mixtape, and I'll help you cbecome a millionaire after I make my millions.
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Out of raw curiosity, what does your friend/family network look like?
If you were selling something useful on the side of your waiter job would your social network support you?
Reason I ask is: doubling or trippling your income would help out a LOT.
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I want to figure out if its a conceivable for me to be a millionaire by the time I am 25.
I'm going to assume right now that you're 20. So that leaves about 5 years.
Currently I am working as a waiter making around 1000 dollars a month.
Ok, so assuming you're still working the same job, that leaves around 5 years x 12 months/year x 1000 dollars/month = $60,000. This is not counting gas.
Which, let's discuss this:
My only expense is my gas.
I'm wondering how that's possible unless you live with your parents who are willing to front all of the cost of living for you or are still in college and are in a college where the meal plan ****ing rules. Either one is going to change in the near future, so expect an increase in expenses there.
Yeah, you're not going to make this in investing unless you invest in some obscure thing that turns into an overnight success and you end up getting ridiculous returns on the stock.
If being a millionaire is actually your goal, you'd probably have the greatest chance of making it by making something on the internet that appeals to people, like a website or an app or something. Easiest way of distribution and reaching customers.
Shortest answer is what you need is a product that there is enormous demand for.
Shortest answer is what you need is a product that there is enormous demand for.
I like my megamillions tickets idea better...
... though I can think of another possibility...
... powerball!
Yeah, powerball or megamillions. That's pretty much it.
You have to understand that saying you want to be a millionaire by 25 means you want to be rewarded with more income than 99% of your fellow 25 year olds... without working for it.
If you're really good looking, I suppose you could marry into it.
-
Investments that GIVE you $1 million in 6 years, off a few thousand bucks... it's like putting all your money on a single number on the roulette wheel, WINNING once, then letting it ride, and WINNING AGAIN.
I drive a '94 camry right now to work. How can I make it into a thousand '94 camries without doing any work?
I own a house. How do I turn it into a thousand houses without doing any work?
when you say "I want to have 1 Million dolars by the time im 25."
You're really not asking "how do I EARN $1 million by the time I'm 25?"
You're really asking "how do I WIN $1 million by the time I'm 25?"
A goal of $1 million is unrealistic and desperation can lead to poor decisions and approaches. You have to narrow it down into some sort of specific goal for yourself. Save $10000 up... then put it all on #4 on the roulette wheel? Then let it ride if you win? And if that doesn't pan out, rebuild the bankroll over 5 more years waitering? To try the roulette wheel again at age 30?
I think if you are just aiming at an amount of money by a certain age, that's just MAKING WISHES. You might as well find some used brass lamps and start rubbing them. You have to think of what you WANT TO DO WITH YOUR LIFE? Be good at something, then good money will come. If you do something with great passion and hard work, you will probably find success. Big money too, if your talent warrants it.
What this ^^ guy said. The only way you are making $1 million in 5-6 years is if you have $950,000 now.
In your shoes, as a waiter, you're looking at 1200 powerball/megamillions tickets, you could try and win that Doritos Superbowl commercial contest for a million dollars, you could try out for the next season of Survivor, you could find a wealthy widoer thats a cougar and likes younger men....
If you want to go the illegal route, there's always selling dope, move high enough up in the chain to take on some smuggling and you can make some serious coin.
Cool that you're thinking of this at such a young age. I'm not one to give advice on the subject, but I'll tell you what it took me 20+ years to learn.
1. Spending less is important. Sure, you know this already, nothing groundbreaking. But, I would suggest the following things in this regard:
A. Always buy off-season. Stock up on summer clothes at the end of summer and winter clothes at the end of winter. Buy decorations as they are going out of season.
B. You can purchase large amounts of greeting card packs for pennies on the dollar. It's also fun not to feel the need to leave the house to buy a single greeting card for every darn situation.
C. Skip the soft drink at restaurants. It is probably best to avoid restaurants altogether, but one has to live life and for many people, it is a fun activity to go out to dinner with their significant other/family/friends. I would say at the very least, begin to skip getting soft drinks at restaurants. They are way overpriced where I live, and they often charge for refills. Since I usually have two glasses worth of drinks during dinner, I'm saving about $4 each time I go out. I know it doesn't sound like much, but it's all about the little things. You can apply this principle in other ways, too: if you must go out to a movie theater, bring your own snack (if possible), when at all possible, eat outside of a sporting event rather than inside it, etc.
2. Increasing your income is even more important. Saving is nice, but you really want to get that money flowing in so you don't have to feel like a tightwad all the time.
A. Develop passive income streams. This may be tougher than it sounds, but well worth it. I have royalty income from writing online articles, for example, and earn more than $100+ a month practically automatically. Again, more than $100 may not sound like much per month, but start putting that money away every month and it begins to build momentum.
There are many other ways to develop passive income streams. Pick the one that works best for you.
B. Keep your money in a conservative investment or at the very least in a bank account of some kind. The U.S. dollar is depreciating in value, you need whatever meager interest you can get to limit inflation.
3. Use a credit union, rather than a bank, if possible. Credit unions are much fairer to their members, in my experience. You don't get all sorts of crazy unexpected fees.
4. If you have bottles and cans with recycle deposits, return them if you feel it's worth your time. Then put all that money aside. Don't let it be your normal spending money, no, it's another stream of savings.
5. Be responsible with credit cards. It's great to build your credit, but what if you are faced with a financial emergency? Here's what I recommend: before opening a credit card account, save up the full amount of the credit limit and store it in a safe, liquid form (I use ING savings account) so that you can pay off the entire balance even if things are going to hell in a handbasket.
I recognize that these are very, very basic tips. Use whatever is useful for you. I would think of them as the "baseline." No, you're not going to make a million with these tips, probably not. But use them to set yourself up so that you can make a million. You need to have simple preparations such as these to lay the groundwork.
And I intend to do this now because I can afford to lose as i have no expenses.
You can "afford" it, sure, but just because you have no expenses doesn't mean the money you currently have is completely expendable. Especially if unexpected expenses suddenly start mounting and you're much lower on assets after a failed attempt at quintupling your income.
You may not report your tips right now, but unless you plan to make $12,000 in salary and $150k in cash tips, you'll have to pay big taxes on $162k.
When you factor in taxes and expenses, you will need to make more like $240-250k even if you lived a pretty austere life and mooched off your parents (and if you made $240-250k, how could you dare mooch off your parents?)
-
That said, I hate that attitude of "nothing to lose right now" to gamble on long shots on the miniscule chance to reach an utterly arbitrary goal of $1 million by age 25. Which is why I was comparing it to playing lotto and betting all your money on a single roulette number... And let it ride.
If you make little, that's all the more reason to hang on to and save that cash. If youre poor and are hoping to seize an opportunity when it arrives, you have to WAIT for that opportunity. Fortune favors the prepared. At 25 you might decide you want to go to college or grad school to gt a better career... Or have a sudden investment opportunity. If you wasted all the money on stupid long shots at 19, it suck.
Save money and Play the smart bets until you find "your moment".
First of all, why do you want a million dollars? Making money for its own sake is just stupid; so what do you want to do with it? Retire to a private island? Be able to attract women with ease? Become socially validated? Possess many automobiles?
Secondly: with the "goal" of making a million by 25, the money you have saved and are making at your current job is irrelevant. The only way you might actually make it happen is some sort of entrepreneurship... but no one can tell you how to do that. Although, do you really own a company that brings in $36,000 a year?
It might be overly presumptuous, but in the spirit of your goal, I'd suggest looking at your career choices very carefully. Very few people actually take the time to objectively compare the value of one degree versus another; despite the fact that they are investing years of their life into it. What degree are you pursuing? What level of education do you plan on taking it to? How much money can you expect to make with that degree? Compare this to other fields, and think about how happy you would be, not just how much money you would be making.
Most reasonably intelligent people could probably save a million by 35 or 40, if they are frugal and invest prudently... but doing it by 25 takes something very rare, and probably a good measure of luck along with it.
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Currently I am working as a waiter making around 1000 dollars a month. My only expense is my gas. every day i have put my tips in the bank and im up to about 850 . I will break the 1000 dollar mark this week. I also have about 11Grand in the stock market in Stocks such as apple and Agilent. I want to know the best way to save my money weather it be mutual funds or stocks. I also want to know any way to increase my revenue to the point were being a millionaire by my mid 20's is a possibility.
TL:DR
I have 1200 dollars now and i want to have 1million in 6-8 years. Wat do?
also check me out on fb
A guy in about a years time trades from a paper clip to a 2 story farmhouse......
540 Peasant cube- Gold EditionSomething Spicytoo bad all i have is a blue paper clip
also check me out on fb
It was essentially a pack to power...people traded with him just to be known as the guy who traded something to the guy who got a house from a paperclip
Whether that's discipline, hard work, or just pure raw talent (or better yet: all of the above), you need to be better than 9 out of 10... And that's not 9 out of 10 waiters...
That's 9 out of 10 sampling of adults.
I know i wont get there being a waiter.
What investment Strat should i have. I am currently debating investing in a High yield mutual fund with C-shawb.
also check me out on fb
I offered advice for how you could become a millionaire by maybe 30. Internet enterpeneurship is an incredible longshot and again, you need capital and skillz, not just an idea.
-
but if you're trying to make it by investing... yikes!
You say have about $11 grand in stocks like Agilent and Apple. But then you say you have about $1200 dollars right now to invest. So your total portfolio is $12200? Or $1200?
And you make $12K a year as a waiter?
And in 6-8 years you want to have a million dollars... via INVESTING?
Its highly unlikely, and if anybody in this thread knew how to turn $12,200 into $1,000,000 in 6-8 years via passive investment, we wouldn't share it with a stranger.
There is no investment strategy you could possibly have that would be even remotely likely to make you a millionaire in 6-8 years with a $10,000-ish starting investment.
-
Things that have a small possibility of working: You could go buy megamillions tickets with all the money... or you could bet a long shot at the horses to win, at multiple different tracks. Could play blackjack at a big dollar table and just hope you get lucky. Even drugs (drugs is a very competitive business as well, your chances of ending up dead are far higher than your chances of becoming a millionaire).
Learn how to invest in derivatives, high risk, high yield. That's one way to leverage a small amount of cash to control much larger money (if it goes up a little, you get a lot, if it drops a smidge, you lose everything).
If you want to invest... read some books on investing and become good at it. It's way too complicated a topic to cover in a thread here. But investing is not supposed to WIN you gads of free money. It's a way to protect the money you earn the old fashioned way, and maybe grow a little in the process of time..
Becoming financially comfortable takes hard work and a solid skill to market in a market that needs it.
To become rich, takes timing, a sellable idea or product and the capital to struggle thru the lean years until you start making money off of idea or product.
If you look at alot of the new millionaires minus athletes, thier wealth has been a combonation of luck, timing, and area.
On the plus side, you could slowly invest and be able to enjoy your 40s and older quite comfortable as long as the market doesnt crash again.
The millionaires at 25 are the ones who created your investment fund, not the people who invest in it.
There aren't any legal quick and easy ways to have a million dollars in six years. You can be in a substantially better position than you are now, however. The advice given to you so far is decent, but essentially just invest in your own skills and continue to live frugally.
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That's the best advice I can give you. You have 10000 to start with so you should be able to lease a nice studio and get good production quality.
If you don't like this idea you could give me a 10000 dollar investment to drop my mixtape, and I'll help you cbecome a millionaire after I make my millions.
If you were selling something useful on the side of your waiter job would your social network support you?
Reason I ask is: doubling or trippling your income would help out a LOT.
I'm going to assume right now that you're 20. So that leaves about 5 years.
Ok, so assuming you're still working the same job, that leaves around 5 years x 12 months/year x 1000 dollars/month = $60,000. This is not counting gas.
Which, let's discuss this:
I'm wondering how that's possible unless you live with your parents who are willing to front all of the cost of living for you or are still in college and are in a college where the meal plan ****ing rules. Either one is going to change in the near future, so expect an increase in expenses there.
Yeah, you're not going to make this in investing unless you invest in some obscure thing that turns into an overnight success and you end up getting ridiculous returns on the stock.
If being a millionaire is actually your goal, you'd probably have the greatest chance of making it by making something on the internet that appeals to people, like a website or an app or something. Easiest way of distribution and reaching customers.
Shortest answer is what you need is a product that there is enormous demand for.
... though I can think of another possibility...
... powerball!
Yeah, powerball or megamillions. That's pretty much it.
You have to understand that saying you want to be a millionaire by 25 means you want to be rewarded with more income than 99% of your fellow 25 year olds... without working for it.
If you're really good looking, I suppose you could marry into it.
-
Investments that GIVE you $1 million in 6 years, off a few thousand bucks... it's like putting all your money on a single number on the roulette wheel, WINNING once, then letting it ride, and WINNING AGAIN.
I drive a '94 camry right now to work. How can I make it into a thousand '94 camries without doing any work?
I own a house. How do I turn it into a thousand houses without doing any work?
when you say "I want to have 1 Million dolars by the time im 25."
You're really not asking "how do I EARN $1 million by the time I'm 25?"
You're really asking "how do I WIN $1 million by the time I'm 25?"
A goal of $1 million is unrealistic and desperation can lead to poor decisions and approaches. You have to narrow it down into some sort of specific goal for yourself. Save $10000 up... then put it all on #4 on the roulette wheel? Then let it ride if you win? And if that doesn't pan out, rebuild the bankroll over 5 more years waitering? To try the roulette wheel again at age 30?
I think if you are just aiming at an amount of money by a certain age, that's just MAKING WISHES. You might as well find some used brass lamps and start rubbing them. You have to think of what you WANT TO DO WITH YOUR LIFE? Be good at something, then good money will come. If you do something with great passion and hard work, you will probably find success. Big money too, if your talent warrants it.
In your shoes, as a waiter, you're looking at 1200 powerball/megamillions tickets, you could try and win that Doritos Superbowl commercial contest for a million dollars, you could try out for the next season of Survivor, you could find a wealthy widoer thats a cougar and likes younger men....
If you want to go the illegal route, there's always selling dope, move high enough up in the chain to take on some smuggling and you can make some serious coin.
I have
11K in the stock market
1k in savings
10k in a CD
about 1k in various assets
a 12k car
total liquid worth is 25k
MY waiter job pays about 150 a day i work 3 days a week
I own a small courier company that brings in about 3k a month. (has the ablity to expand)
annual income is about 30k a year.
i have a 500 a month line of credit.
as of now i need to make 162k a year to meet my goal.
And I intend to do this now because I can afford to lose as i have no expenses.
and fyi im 19 and in college and i eat at home.
also check me out on fb
1. Spending less is important. Sure, you know this already, nothing groundbreaking. But, I would suggest the following things in this regard:
A. Always buy off-season. Stock up on summer clothes at the end of summer and winter clothes at the end of winter. Buy decorations as they are going out of season.
B. You can purchase large amounts of greeting card packs for pennies on the dollar. It's also fun not to feel the need to leave the house to buy a single greeting card for every darn situation.
C. Skip the soft drink at restaurants. It is probably best to avoid restaurants altogether, but one has to live life and for many people, it is a fun activity to go out to dinner with their significant other/family/friends. I would say at the very least, begin to skip getting soft drinks at restaurants. They are way overpriced where I live, and they often charge for refills. Since I usually have two glasses worth of drinks during dinner, I'm saving about $4 each time I go out. I know it doesn't sound like much, but it's all about the little things. You can apply this principle in other ways, too: if you must go out to a movie theater, bring your own snack (if possible), when at all possible, eat outside of a sporting event rather than inside it, etc.
2. Increasing your income is even more important. Saving is nice, but you really want to get that money flowing in so you don't have to feel like a tightwad all the time.
A. Develop passive income streams. This may be tougher than it sounds, but well worth it. I have royalty income from writing online articles, for example, and earn more than $100+ a month practically automatically. Again, more than $100 may not sound like much per month, but start putting that money away every month and it begins to build momentum.
There are many other ways to develop passive income streams. Pick the one that works best for you.
B. Keep your money in a conservative investment or at the very least in a bank account of some kind. The U.S. dollar is depreciating in value, you need whatever meager interest you can get to limit inflation.
3. Use a credit union, rather than a bank, if possible. Credit unions are much fairer to their members, in my experience. You don't get all sorts of crazy unexpected fees.
4. If you have bottles and cans with recycle deposits, return them if you feel it's worth your time. Then put all that money aside. Don't let it be your normal spending money, no, it's another stream of savings.
5. Be responsible with credit cards. It's great to build your credit, but what if you are faced with a financial emergency? Here's what I recommend: before opening a credit card account, save up the full amount of the credit limit and store it in a safe, liquid form (I use ING savings account) so that you can pay off the entire balance even if things are going to hell in a handbasket.
I recognize that these are very, very basic tips. Use whatever is useful for you. I would think of them as the "baseline." No, you're not going to make a million with these tips, probably not. But use them to set yourself up so that you can make a million. You need to have simple preparations such as these to lay the groundwork.
You can "afford" it, sure, but just because you have no expenses doesn't mean the money you currently have is completely expendable. Especially if unexpected expenses suddenly start mounting and you're much lower on assets after a failed attempt at quintupling your income.
So you need to increase your income by about 500% in a year. Good luck! If you figure out how to do it, please share.
You may not report your tips right now, but unless you plan to make $12,000 in salary and $150k in cash tips, you'll have to pay big taxes on $162k.
When you factor in taxes and expenses, you will need to make more like $240-250k even if you lived a pretty austere life and mooched off your parents (and if you made $240-250k, how could you dare mooch off your parents?)
-
That said, I hate that attitude of "nothing to lose right now" to gamble on long shots on the miniscule chance to reach an utterly arbitrary goal of $1 million by age 25. Which is why I was comparing it to playing lotto and betting all your money on a single roulette number... And let it ride.
If you make little, that's all the more reason to hang on to and save that cash. If youre poor and are hoping to seize an opportunity when it arrives, you have to WAIT for that opportunity. Fortune favors the prepared. At 25 you might decide you want to go to college or grad school to gt a better career... Or have a sudden investment opportunity. If you wasted all the money on stupid long shots at 19, it suck.
Save money and Play the smart bets until you find "your moment".
First of all, why do you want a million dollars? Making money for its own sake is just stupid; so what do you want to do with it? Retire to a private island? Be able to attract women with ease? Become socially validated? Possess many automobiles?
Secondly: with the "goal" of making a million by 25, the money you have saved and are making at your current job is irrelevant. The only way you might actually make it happen is some sort of entrepreneurship... but no one can tell you how to do that. Although, do you really own a company that brings in $36,000 a year?
It might be overly presumptuous, but in the spirit of your goal, I'd suggest looking at your career choices very carefully. Very few people actually take the time to objectively compare the value of one degree versus another; despite the fact that they are investing years of their life into it. What degree are you pursuing? What level of education do you plan on taking it to? How much money can you expect to make with that degree? Compare this to other fields, and think about how happy you would be, not just how much money you would be making.
Most reasonably intelligent people could probably save a million by 35 or 40, if they are frugal and invest prudently... but doing it by 25 takes something very rare, and probably a good measure of luck along with it.