Let's discuss how to build wealth with no money, the best ways to make passive income, and how to grow your investments to $500,000 - the amount most Americans say they would need to feel financially secure. Enjoy! Add me on Instagram: GPStephan
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1. BE CAREFUL WHO YOU LISTEN TO.
The fact is, if you REALLY want to build your wealth…you NEED to go against the grain and do what most people are NOT doing, and that includes listening to people who are where you want to be.
2. YOU NEED TO START MAKING MONEY
Most likely, IF your goal is to try to build up your wealth as FAST as possible…you aren’t going to get there through a traditional job. Instead, pick a career or a business that ISN’T dependent on how many hours you work, but on the results you achieve. If you ignore the rest of the video and just focus on ONE thing, let it be this - because, it’s important.
3. GET IN THE HABIT OF INVESTING EVERYTHING IMMEDIATELY.
If you want to build your wealth, the reality is that - the longer you wait to start INVESTING - the more difficult it’s going to be….because, the more time you allow for your money to grow, the more money you’ll eventually have.
4. CREATE MULTIPLE STREAMS OF INCOME.
The average millionaire has more than 3 income sources - and, generally, the most income sources you have, the more money you're likely to make. This could include dividend income, capital gains, interest income, rental income, royalty income, earned income, or money generated from a side hustle.
5. MINIMIZE YOUR SPENDING
It’s said that the average American spends $18,000 per year on non-essential items…and this is something nearly EVERYONE can start cutting back on, immediately.
6. AVOID LIFESTYLE INFLATION.
The only way to overcome this is if you make more money, keep your expenses the same - don’t change a SINGLE thing - and invest the difference immediately. If you’re earning $40,000 and get a raise to $60,000…great, now you save another $20,000.
By doing all of this - growing your wealth from nothing to $500,000 in less than 10 years is entirely possible, even without a crazy high starting income….but - it will require a lot of work, sacrifice, and discipline to stay consistent…it means you’ll have to cut back as often as possible, and otherwise live like you’re constantly broke…BUT, AFTER those 10 years…you’ll have the financial security that most people DREAM ABOUT…and those habits are likely to continue forward to build an even greater future.
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
GET YOUR FREE STOCK WORTH UP TO $1000 ON PUBLIC & SEE MY STOCK TRADES - USE CODE GRAHAM: http://www.public.com/graham
NEW BANKROLL COFFEE NOW FOR SALE: http://www.bankrollcoffee.com
DOWNLOAD MY NEW FINANCIAL APP: http://onelink.to/the-hungry-bull
JOIN THE WEEKLY MENTORSHIP - https://the-real-estate-agent-academy.teachable.com/p/graham-stephan-mentorship-program/
THE NEW PODCAST: https://www.youtube.com/channel/UCMSYZVlQmyG8_2MkIKzg0kw
The YouTube Creator Academy:
Learn EXACTLY how to get your first 1000 subscribers on YouTube, rank videos on the front page of searches, grow your following, and turn that into another income source: https://the-real-estate-agent-academy.teachable.com/p/the-youtube-creator-academy/?product_id=1010756&coupon_code=100OFF - $100 OFF WITH CODE 100OFF
1. BE CAREFUL WHO YOU LISTEN TO.
The fact is, if you REALLY want to build your wealth…you NEED to go against the grain and do what most people are NOT doing, and that includes listening to people who are where you want to be.
2. YOU NEED TO START MAKING MONEY
Most likely, IF your goal is to try to build up your wealth as FAST as possible…you aren’t going to get there through a traditional job. Instead, pick a career or a business that ISN’T dependent on how many hours you work, but on the results you achieve. If you ignore the rest of the video and just focus on ONE thing, let it be this - because, it’s important.
3. GET IN THE HABIT OF INVESTING EVERYTHING IMMEDIATELY.
If you want to build your wealth, the reality is that - the longer you wait to start INVESTING - the more difficult it’s going to be….because, the more time you allow for your money to grow, the more money you’ll eventually have.
4. CREATE MULTIPLE STREAMS OF INCOME.
The average millionaire has more than 3 income sources - and, generally, the most income sources you have, the more money you're likely to make. This could include dividend income, capital gains, interest income, rental income, royalty income, earned income, or money generated from a side hustle.
5. MINIMIZE YOUR SPENDING
It’s said that the average American spends $18,000 per year on non-essential items…and this is something nearly EVERYONE can start cutting back on, immediately.
6. AVOID LIFESTYLE INFLATION.
The only way to overcome this is if you make more money, keep your expenses the same - don’t change a SINGLE thing - and invest the difference immediately. If you’re earning $40,000 and get a raise to $60,000…great, now you save another $20,000.
By doing all of this - growing your wealth from nothing to $500,000 in less than 10 years is entirely possible, even without a crazy high starting income….but - it will require a lot of work, sacrifice, and discipline to stay consistent…it means you’ll have to cut back as often as possible, and otherwise live like you’re constantly broke…BUT, AFTER those 10 years…you’ll have the financial security that most people DREAM ABOUT…and those habits are likely to continue forward to build an even greater future.
My ENTIRE Camera and Recording Equipment:
https://www.amazon.com/shop/grahamstephan?listId=2TNWZ7RP1P1EB
For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at GrahamStephanBusiness @gmail.com
*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. This is not investment advice. Public Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures/
What's up, graham, it's guys here now: here's the thing: if you're already wealthy, it's easy to find new ways to make money, but if you have nothing to fall back on it's not exactly looking so good. It was recently found that just 30 percent of the poorest american families have a savings account. Millions of working americans still can't afford food and rent 54 say they're living paycheck to paycheck. Inflation is said to be crushing the middle class and on average, 500 000 is the amount it would take to make them feel financially secure.
Fortunately, though, there is a solution for anyone who wants to build up their wealth starting from nothing, and it does not involve the same cookie cutter advice listed in every single article, like 15 of your income, invest in a 401k live below your means, don't go to Coachella and make sure to get your free stock down below in the description, because it's worth all the way to a thousand dollars. Even though i admit it's still good advice and it's probably way better than what the majority of people are doing. But in terms of effectively and realistically building your wealth, starting from nothing regardless of your education and background, these are my own recommendations that i have learned firsthand, because there are some step-by-step rules that anyone can follow that work incredibly well and don't cost you a single Penny besides, of course, one like on the video, it helps out my channel tremendously, and it also gives me a good indication if this is something you want to hear more of so, if it is, let me know by hitting the like button, and i can do More like this in the future, so thank you guys so much now with that said, let's begin all right, so my first piece of advice before we go into these step-by-step specifics is just this be careful who you listen to there's a lot of people out there Who are totally broke but who love to give financial advice at any chance they could get. These are the kinds of people who tell you that only poor people get loans, that credit cards are bad, that you have to go to college to be successful and that you shouldn't start a business, because it's too risky don't get me wrong.
Usually, the people who tell you these things have really good intentions and they believe it themselves, but the fact is, if you really want to build your wealth, you have to go against the grain and do what most people are not doing, and that includes listening to People who are where you want to be those are the people who have done what you want to do and chances are. That is the advice you should be listening to the second, if we're being honest and realistic here, if you want to build your wealth starting without any money, you're gon na have to actually go and make some money, someone had to say it most likely if your Goal is to build up your wealth as fast as possible, you're not going to be doing that through a traditional job. Unless that job pays you some exorbitant amount of money or you're really good at poker. So instead my recommendation is this: pick a career or a business. That's not dependent on how many hours you work if you ignore the rest of the video, but you just focus on one point: let it be this because it's important anytime, you work a career that pays you hourly most of the time you will plateau rather quickly. There's just so many hours you could work on a day before, eventually you max yourself out and when you reach that point you've hit a ceiling, but by working any job that pays based on results. Your income has the potential to skyrockets, because now hours no longer make a difference. Personally, i think sales is one of the most underrated careers out there.
It's usually a stepping stone to making more money. It'll teach you everything you need to know about time, management and customer service, and it could provide the funding for almost anything you want to do later on now, if you're, not the type who wants to go into sales, and you want something a little bit more Stable and consistent, but you still want to make more money just consider this employees that stay in their companies longer than two years get paid an average of 50 percent less so in the interim. Consider switching careers leveraging your skills and using that as a way to make more money, especially now when so many businesses are experiencing a shortage of talent and are willing to pay anything they can to find the right person. But overall i would say that most people you hear about who built up a crazy amount of wealth rather quickly, starting from nothing did so by starting a business.
They saw an unfulfilled niche and they created a solution to a problem or they saw an existing business. Doing well, but they found a way to do it even better learning how to do this is not expensive either and pretty much everything you need to know is already on youtube for free and learning how to be self-sufficient enough to find your own answers is going To be an important part to building your wealth long term, but now that we have some of that self-help jargon out of the way here are some of the best step-by-step steps that you could use to build your wealth starting from nothing, and that would be third Get in the habit of investing everything immediately like just get this. The average 25 to 34 year old millennial spends over two thousand dollars a year at coffee, shops and 41 admit to spending more money on coffee than they do on their own retirement, and that's got to stop right now. That's because the more time you allow for your money to grow the more money you will have you know someone should turn that into a t-shirt.
Now here's the thing to me: it doesn't exactly matter how much money you're investing right now, but instead how well you maintain and sustain those habits once you actually do start making a lot of money, for example, keep in mind that one dollar invested at the age Of 20 years old that a 7 return is going to be worth 21 by the age of 65.. But if you wait and invest that very same one dollar at the age of 30, instead you'll only have 10.68 cents at the age of 65.. And if you wait even longer, at 40 years, old you'll only have 5.48 cents. That means your money is worth twice as much invested today, as it is 10 years from now. When i first learned about that concept, when i was 18 years old, it changed everything all of a sudden that rewired my brain to see every expense is taking away from what it could be in the future, and so i made the choice to consistently invest everything Even though, in the short term, i cut out all of my discretionary spending, then, in addition to that, you should also open up a roth ira as soon as possible and contribute to it. This is a retirement account that you can invest money into and then all of the profit you make is completely tax free after the age of 59 and a half which means, if you invested that one dollar at 20 years old, then now it's worth 21 at The age of 65. you're not going to pay any tax by the time you cash out, leaving you with a lot more money left over for lamborghinis and yachts. Now for anyone who wants to build their wealth from nothing.
This is especially good for two reasons. First, you're, probably not making a lot of money right now so you're already in a really low tax bracket, and that means you'll have more money left over with to go and invest. And second, the sooner you start the longer your money is going to have a chance to grow, which gives you more money in the long term. It's as simple as that now in terms of how much you should be saving the realistic answer is as much as you possibly can.
Even though some financial advisors say you got to save 10 of your income, someone has to say it, but that's just not enough. Just consider this, if you invest 10 percent of your income starting at the age of 20 years old it'll, take you about 51 years of doing that to accumulate enough money for your investments to replace your income. If you bump that up to 30 percent it'll take you 28 years, and if you manage to save 50 of your income, you could literally retire in 17 years, while your investments earn enough to sustain your lifestyle indefinitely. That's why getting in the habit of saving as much money as possible as soon as possible is going to help you build your wealth as fast as possible, even if you're not making a lot of money up front just start, because it's going to be a lot Easier to maintain, once you do actually start making more money, then once you've done all of that.
Here's, the secret sauce number four create multiple sources of income. Now this one is so important that the irs actually published their research on high income tax returns to study the distribution of economic well-being, or in other words they wanted to know why some people made more money than others and what they found. Is that generally the more income streams you have, the more income you tend to make. So when you see that 65 of millionaires have three or more sources of income, i would take that into consideration and do your best to diversify as much as you can now. If you're curious, which income streams, are the most common for millionaires mentioned in the study, the main income source was derived from a job or earned income from a paycheck. This is where almost everybody starts off and it's the equivalent of you working a normal 9 to 5 job or being paid a salary or working on commission is the main source of income for most people. This is the cash cow that makes everything else possible and funds. The remaining income sources like number two dividend income.
This is probably the easiest second income source that pretty much everyone watching could start literally right now and it's as simple as this go to any free stock trading brokerage like public down below in the description, because they will give you a free stock worth all the Way up to a thousand dollars when you use the code gram then go and buy any dividend stock out there and bam you're done depending on what you buy. Dividends could range anywhere from point six percent, if you're investing in apple to seven point six percent. If you're buying a t generally the higher the dividend, the more risk you take, but you can even throw it in something like a broad index fund like the phi fix which pays you 1.3 percent a year. The third closely related to that is capital gains.
This is what happens when you sell an investment for profit, and the amount of money you make is: what's called your capital gain and even better. If you hold that investment for longer than a year, it's going to be taxed at long-term capital gains rates, which is a lot lower than the taxes you pay from actively working. And if you make under 40 000 a year, the long-term capital gains tax rate. You will pay is zero percent.
The fourth and other income source could be interest income. This is what happens when you keep your money in a high yield savings account or pretty much any bank account. That pays you interest at the end of the year. They will issue you a 1099 interest form that you report to the irs as another source of income a fifth once you start earning enough money, you could also branch out to this one and that would be rental income.
Now, personally, this is my favorite from the entire list, and it's where i placed most of my focus throughout the last 10 years in terms of buying properties, fixing them up and then renting them out for cash flow. For most people, who want to invest their money and build wealth, real estate has so many tax advantages that make it very unique and profitable for anyone who wants to spend their time learning how to do this. For example, if the property goes up in value over time, that could be long-term capital gains. If you sell it, if you rent your property out for a profit, that would be rental income, and then you could reinvest your profits back into the stock market to make even more money. I've also seen so many articles out there that claim that 90 percent of millionaires are invested in real estate, and even though i can't find any studies to back this up, i would not be surprised if quite a few millionaires hold some of their wealth and real Estate as a way to hedge inflation or as a place to live and then finally number six, we have the income that you make from working a second job or a side hustle. I seriously think this is probably one of the most under-utilized income sources that people are not taking advantage of and that stops today working on any sort of side. Business that has the potential to grow completely independent from your main source of income is not only a good way to make more money, but also diversify. In case something happens to your main job and you have nothing left to fall back on.
I just want you to think about this and ask yourself the question: what do you do between the hours of 6 pm and midnight every single night that is 6 hours a day or almost an entire full work day, every single day that most people don't utilize? It all this is the perfect chance to leverage your time, make more money and use the resource that all of us have the exact same amount of, and that would be time and finally, since 500 000 is the amount that would make most americans feel financially secure. Let's break down exactly what you'll need to reach that goal and how long it'll realistically take. If you start from nothing first for purposes of this calculation, i will assume that you at least have the average annual salary of 31 000 a year, and i understand that some people watching this will have to build up to that which, if that's the case, you're Best off figuring out exactly what you want to do and make a plan to build up to a consistent paycheck and if you're, making at least that or more than that, while perfect, we can go on to the second step. And that would be minimize.
All of your costs at all costs like it said that the average american spends 18 thousand dollars a year on non-essential items, and this is something that nearly everybody could begin cutting back on immediately. This means living with parents. If you have that choice available to you or living with roommates or moving further away, if you don't mind a longer commute or anything, you can right now to reduce your housing cost. First, from there make sure to cook food at home, avoid eating out, drive a good, reliable used car, that's decent on gas and otherwise only buy things that you absolutely need.
By doing this, you're gon na have more money left over, which then brings us on to number third i'll assume that, with a 31 000 income living frugally and cutting back on discretionary spending, you should be able to save about 200 a month or 2 400 a Year, if that's the case, open up a roth ira and invest all of that into a broad market index fund that tracks the entire market, like vt sacks now you'll get tax-free profits. Long-Term growth, a bit of a dividend and you'll, see some consistent savings and, if you're able to save even more than that, then smash the like button for youtube algorithm. The fourth, i think this is the fun part, but find a side, hustle or part-time work that you could do after normal hours. Maybe this could be working as a restaurant server, starting a side business or doing anything for a few hours a night just to earn a little extra money, even assuming an extra 35 dollars a night four nights a week. That's an extra 560 dollars a month that you could use towards investing in a roth ira and then once you have enough saved up, we can move on to number five and that would be switch jobs. Like i mentioned earlier, workers who switch jobs every two to three years, wind up, making significantly more money than those who stay within the same company and even switching jobs once sees an average pay raise of 15. And if you're able to increase a 31 000 a year career by 15, that's an extra 390 a month that you could save when you combine all of that together with the side hustle that even makes 35 dollars a night four nights a week. That's 950 dollars a month in savings and if you literally just maintained that you could reach your 500 000 target in 18 years, at an 8 return and after 30 years, you'll have one and a half million dollars, which is basically your entire retirement.
And that's all assuming you do nothing else, except for that, but number, six realistically you're, not just gon na stop there there's nothing that says you can't switch jobs every two to three years to end up making, significantly more so by year, three or four, you should Be able to leverage that 31 000 career into something that earns 46 500 a year, and if you choose to further save that difference, that's an extra 10 000 a year that you could invest, apply that to the existing 950 a month that you were already saving Under this example, and now that gives you seventeen hundred and fifty dollars a month that you could use towards building your wealth and doing that, would allow you to reach more than five hundred thousand dollars in thirteen years. That also doesn't include your side. Hustle income increasing at all of which would more than likely take the time frame below 10 years, just by being able to save an extra 580 a month, but one of the most difficult parts to maintain throughout all of this is what's known as lifestyle inflation. This is what happens when you're, making 40 000 a year, you're saving some money, there's no complaints, but then you start making 60 000 a year. So you reward yourself with maybe a slightly nicer apartment or a slightly newer car, or you start eating out a little bit more often not a huge difference here. Nothing crazy, but then you start making 90 000 a year and all of a sudden, your current place isn't as nice as it once was. So you upgrade your apartment to a higher floor and you get an even nicer car, but then a year later, you're making 150 000 a year and your apartment seems a bit messy. You go and upgrade to a house.
Your car isn't as nice parked. Next to all the other, bmws and mercedes, so you get something nicer now you could actually start to travel, but the funny thing that happens with so many people is that they wind up saving the exact same dollar amount earning 150 000 a year as they were When they were making forty thousand dollars a year, despite now making four times more, that is what we call lifestyle inflation. In fact, a recent study even found that forty four percent of millennials earning above a hundred thousand dollars were living paycheck to paycheck and without going through all of their expenses line. By line, i can pretty much guarantee, that's mainly because of lifestyle inflation.
The only way to overcome this is that if you make more money, keep your expenses the exact same, don't change a single thing and invest the difference immediately or you could do what i do, which is just work so much that you don't even have time to Spend your money there, you go big brain, but all in all, by doing this, it's entirely possible to grow your wealth from zero to five hundred thousand dollars in ten years, even without a crazy high income. Now i understand that even by reducing your expenses living below your means, switching companies investing the difference and doing everything else listed here. It's easier said than done, but it is entirely possible if you're dedicated to increasing your income, sacrificing short-term discretionary spending for the sake of investing more pushing yourself outside your comfort zone and making it a goal you have to achieve. This is something absolutely doable over the next 10 years with a decade's worth of sacrifice.
You have the potential to set yourself up for the rest of your life, and it all begins right here as soon as you smash the like button for the youtube algorithm. So with that said, you guys thank you so much for watching. I really appreciate it as always make sure to subscribe and hit the notification bell also feel free. To add me on instagram.
My posts are pretty much daily, so if you want to be a part of it, there feel free to add me there. As on my second channel, the graham stefan show i post there every single day - i'm not posting here. So if you want to see a brand new video from me every single day, make sure to add yourself to that. And lastly, if you want the completely free stock, now worth all the way up to a thousand dollars, use the link down below in the description and sign up for public using the code gram enjoy that free stock. Let me know which one you get thank you. So much for watching and until next time.
Extremely point by point video Well I will also say this here, Most people don't understand the concept of "buying the dip" buying the dip is all about buying digital assets when their prices are down and selling off when the price rises. Holding is great, although trading is far more profitable. I was able to grasp the knowledge of trading crypt0 assets early enough, but I was still limited due to my lack of technical understanding of how to analyze the digital market, all that changed when I encountered Rico Alan, I must confess it was easier to understand with the assistance of Rico that has made me over good altᴄoin.
Hmmm i need u to put sub bc u talk too fast.sorry mate but love ur channel
I make 130k a year salary and still feel broke. What am I doing wrong lol
The way to get the rich is just buy $100 worth of shibainu coin
To own any Lamborghini in Australia you need to be making at least $300k/annum lol
We also have a very high cost of living ($400-500/week). So most people live paycheck to paycheck
Here is idea get two credits cards withdraw from first cc and pay back with the second and keep withdrawing money When your done. To avoid interest do so every twelve hours Between night and morning Monday-friday (do so on vacation)
Have fun making quick money
"whats up Ghram its Guys HERE??" IS that an Easter Egg?
I recently got the same position at another company with a 13.5% raise. I’m all for job hoping if it means your take home is higher. Plus it’s within walking distance from my place and I save £250/month on traveling
how do i invest? like what do i need? bank account then what do I do then?
The secret of your future is hidden in your daily routine. Successful people do daily what the unsuccessful only do occasionally
So am I the only one that caught the fact he started this video with "What's up Graham, it's Guys here". LOL!
Another great video, Graham. Just had to give you a hard time about that start 🙂
Lol came here for the clickbait and left with retarded advice
I have suffered through this lifestyle inflation thing once… One article that motivated me to avoid it, had a key lesson… Learn how to delay your instant gratification. This will leave plenty of rewards later.
Thx Graham from France 🇫🇷❤️, i follow u since 2019 and im gratefull
What's up Graham it's Guys here! lmao hilarious!
Agreed. Tech sales, for now is incredibly lucrative for those who need a floor and the potential for income to skyrocket with success.
What I think Graham missed about sales as well, is that depending on what you sell, you can learn SO MUCH about how businesses operate – marketing, operations, technology, etc – and you can apply that to becoming a leader within various teams. Most CROs/CEOs that I've worked for are either Engineer's or they have some form of sales background, even if it was for a short period of time. And once you get there, the $$ is insane.
Is this still relevant, now that they changed the rules with saving accounts?
I myself is not a millionaire but my mom is. And only source of her income is rental income and I am trying to convince her to get dividend income from Samsung but she aint buying it…
I watched the whole video and I’m still wondering how to make $250 a day!!!
What’s wrong with me!!!!
I think this a great video and very helpful, but the other aspect is that we aren't guaranteed time on this planet, and you only have today. I think a balance between saving for the future, and living in the now would be a better option for me.
I don't spend my own money on things, I invest it and use credit cards that I pay off every month with 0% interest.
Third bullet point – typo – "busines". Great vid though.
I began living paycheck to paycheck when I started investing all of my extra money.
So what is i am 13 and i just have 200$ and can't work lol
Damn, this is a really motivating video!! Great content
Can anyone help me with making money, I’m 16 and I wanna start young in making money could any of you help ne
You should have 576k In Likes at the time of this comment 😏
How do you start a “Busines”… lol just poking fun, love the channel. Minute mark 3:42.
Add get married or have a partner , or two partners!
I've never tried Jack In The Box, but will surely avoid them from now on!
This doesn't work. I put a video on my channel for the real way this guy and others are actually earning their money. And it works for beginners