This is 16 year old me waving goodbye to school forever. Allow me to explain throughout my time at school. I never really felt like I fitted in when I was curious about something I was told to keep quiet, put my head down, and get on with my work. but I found this impossible as I'm naturally very hyperactive which led to me always being in trouble.

So when one of my teachers sat me down and said, let's be honest Mark you're not going anywhere. So here are your options. You either continue to study, but it'll be a waste of everyone's time or you can leave and try and get a job. It was one of the best days of my life as I was only focused on one thing leaving.

So I waved goodbye to the school with no qualifications or money under my belt. and when I became a millionaire in my early twenties, I was happy that I proved my teachers wrong. but even though I succeeded I had very little Direction and had to work out a lot of things by myself. That's why I'm making this video because I wish I had something like this when I was starting out.

If you follow all the steps, I'm about to share I don't see how you won't be miles ahead of everyone else actually. I I pretty much guarantee you will be if you follow all of these. Steps Step one is to create an investment budget. A lot of people put this as one of the last steps, but that's the main reason most people don't make it.

They treat investing as an afterthought rather than a priority. I Believe there are three types of people in the world: Wasters Warriors and winners. otherwise known as the three W's Wasters go through life spending everything they earn. They say things like money doesn't make you happy, However, at the same time they are spending all of theirs trying to improve their lives.

Warriors Hold their money like a squirrel saving its acorns for winter. They say things like money doesn't grow on trees. The sad thing is, even though these people have a lot of money, they often deprive themselves of the Little Pleasures in life in order to save a few extra dollars. They're so focused on using budgets to keep their expenses down that they miss the far bigger picture.

Winners are the complete opposite of both of these people. They are understand that money can make them happy and that it does grow on trees. If they invest correctly, they earn money not to spend it, but to invest or while not depriving themselves of the things that they enjoy. To become a winner, you need to change the way you think about money.

instead of seeing it as a tool to get the things you want, start viewing it as a tool to get more money. The only other way to make money is by trading your time and personally I'd rather use my money than trade my literal years on this. Earth Here's something to consider if you work for a whole year and saved up ten thousand dollars, but you spent it all on upgrades for your car, you'd have to save that money all over again, costing you another year. However, if you invested it correctly, you could use that ten thousand to make a hundred thousand dollars.

Then you could purchase the upgrades you want with some of the profits and still have an extra ninety thousand dollars that you can reinvest. That brings me on to step two, which is to increase your value. Let me tell you the story of Cooper and Dwayne. They both lived in California and decided to take up surfing as a new hobby.

Cooper Searched for the biggest waves every day. He didn't bother with the smaller ones. some days, if he couldn't find any waves big enough, he just went home. On the other hand, Dwayne went out every day and rode as many waves as he could, whether big or small.

He simply enjoyed the process of Surfing and improving his skills. One day, Cooper and Dwayne were out at Sea when a huge wave started to build on the horizon. Cooper Thought to himself this was exactly what he had been waiting for. a wave that was finally big enough for him.

On the other hand, Dwayne was just excited to put his skills to the test and thought of it like any other way. They both began paddling Dwayne expertly popped up onto his feet and rode inside the barrel of the wave. He looked back expecting to see Cooper behind him, but he wasn't there. Cooper had fallen off almost as soon as the wave had arrived.

All he could do was watch as Dwayne rode it all the way to the shore. In Cooper's mind Dwayne had just got lucky, but the truth was Dwayne had put in all the practice and learned something from every wave he'd ever caught. This is how most people approach getting rich. They spend too long searching for the one thing that will make them a ton of money, all while ignoring the day-to-day things they can be doing to increase their value.

Huge waves do come every now and again. I've benefited from the.com Bubble in the late 90s, the House in Bubble in the 2000s, and the recent crypto boom. However, I wouldn't have been able to take advantage of them if I hadn't increased my value by investing back into myself. When you start thinking this way, you stop seeing every online course or YouTube video as the one thing that will make you rich and instead just a little wave to conquer and add to your skill set.

So where should you focus your time? Well, if you notice, there's a clear Gap in the market for a certain skill such as a plumber. It really is a nightmare finding a good plumber nowadays. But anyway, that aside, if you you decide to go down this path, it might make sense to spend a thousand dollars to get a qualification and then start making upwards of five thousand dollars a month over the course of a year. That would be a 60x return on your investment.

If you can't think of anything to do, don't waste time waiting for waves. Instead, you can spend time mastering Universal skills like public speaking, negotiating, and content creation. These skills will all come in handy no matter what path you decide to follow in the future as they're all transferable and can be used in multiple areas. I'm not saying all education is good I Believe far too many people are going to University for degrees that aren't even worth the paper they're written on.

However, if you view every skill as an investment and get some kind of return on it, then it's worthwhile learning. If it was me, I would repeat this step as many times as possible until I've reached my maximum earning potential. Step three is to open investing accounts. If you want to avoid being a warrior, then once you've increa pretty sure any potential, you're going to need somewhere to invest your money So it's time to open some accounts.

It's a good idea to allocate a portion of your investment budget into the stock market. This isn't likely to make you rich in the short term, but if you begin early enough, then in later years it will start to compound. It's just so much easier than it was back in my day as you can do it all from your phone. There are various different apps I'll leave some of those links down below.

One of my favorites is Light Year and they're also kindly sponsoring this section of the video. Light Year is looking to give every European low-cost and convenient access to the world stock markets and they're great at what they do. The platform has over 3 000 stocks and ETFs from the UK Us and across Europe including ones that track the S P 500. They've also just launched lots of well-known UK names from Tesco's to AstraZeneca and Barclays to Burberry to name just a few.

There's something for everyone in Light Year and there's more unlike you. You can also earn interest on your uninvested money in three currencies the Euro, dollar, and pound. If you're watching this from the UK, the Eurozone, all Hungary you can download and start using Light Year today. Use my code Tilbury to get started and receive a 10 fractional share after making your first investment.

But let me remind you, investing always carries a risk and the value of any investment can decrease as well as increase. Step four is to build assets. This is the real key to building Mass wealth. Let me tell you the story of John and Alex as it perfectly explains this concept.

After John maxed out his earning potential like we covered in step one, he just invested the rest of his money into the stock market each month in the hopes of becoming a millionaire one day. Alex Didn't have the same patience. Although he maxed out his earning potential and invested in stocks, he also focused on building assets. He started by identifying a gap in the market and put his unique skills to use.

He created his own brand of craft beer which he spent a lot of time perfecting. He experiment with different flavors Brewing techniques and branding strategies. He even invested in creating a website and social media accounts to promote his product. John on the other hand, was always skeptical of Alex's business thinking that it was far too much work with little return.

Instead John just kept investing the same amount into the stock market every month. A couple of years went on and Alex's business began to grow. He started getting orders from all over the country and his craft beer became a household name. John However, still had many years left before his stock market Investments would start paying off.

If you think about it, investing in the stock market is just buying a little piece of an asset someone else has created. However, if you can get in on the ground floor by investing your time and money into building your own business, then you'll probably be able to generate far more money. The moral of the story is to make sure you're doing both at the same time. Step 5: Use debt strategically.

A lot of people aren't going to lie like this one, but being in debt isn't automatically a bad thing. Let me explain. If you want to buy multiple properties to rent out and generate passive income, you might think you have to save up a massive amount of money, but that's not necessarily the case. Instead, you can use debt strategically to buy a house that's in a bad condition.

This worst house in the best street can be purchased for a lower price. Let's say a hundred thousand dollars. Then you can spend fifty thousand dollars to fix it up and make it worth two hundred thousand dollars. After that, you can refinance it for 75 of its new value, which is a hundred and fifty thousand dollars.

This way, you can use that hundred and fifty thousand dollars to buy another property or renovate another worst house and repeat the process. Think of it as a real life game of Monopoly But in order to do something like this, you'll need to have a good credit score. So if I was starting from scratch I'd make sure to get a credit card as soon as possible and higher often forward the end of each and every month in order to build my credit score. This is like a scorecard lenders use to see how reliable you are I Know it seems crazy that you have to use debt to be seen as reliable, but that's just the way it is.

So instead of thinking that debt is always bad, try to understand how to use it to your advantage. Step six: Don't spend earned money when it comes to money. There's a common misconception that the more money you make, the more money you should spend. However, this couldn't be further from the truth.

In fact, the key to having a consistently great life is to spend only what your Investment Portfolio yields. This is normally around eight to ten percent. I'm not saying to actually take the money out of your investments just to spend that percentage of your earnings I Know this can sound confusing. So for example, if you have one million dollars invested, then you'd be able to spend up to ten percent of that value, which is a hundred thousand dollars per year from your earnings without having to worry too much.

Of course this just rely on you making a lot, but once you've made it to step six, this shouldn't be too much of an issue. Think of it this way: Every dollar you earn is like a seed that you can plant and watch grow into a money tree. The more seeds you plant, the bigger your portfolio becomes and the more money it will yield. and just like a tree.

if you take care of your portfolio and only take the fruit it yields, it will continue to grow and provide for you in the future. If you want to see what I learned from Reading over 40 books about money I'm going to leave that video right up there, but don't click on it just yet. Make sure to subscribe if you want to grow your wealth. Okay, I'll see you over there.