What's the main difference between someone on minimum wage and a millionaire knowledge - hey guys it's mark. So today, i'm going to help take someone from below minimum wage to millionaire by sharing the six steps that allow me to do exactly that, and they could do the same. For you dreams i felt lost within myself like i truly did not know what i wanted to do finances. I have to say i'm also a very erratic spender investments.

So should we compare how we done with the investment? So what was tom's total job secrets? What would you ask in interviews when he says to you at the end you know: have you got any questions side hustles? I can show you something. I've been working on. Oh you got one with you yeah. I did.

I didn't sneak that in didn't. I did and starting a business it's time to start pursuing my dreams. It's definitely a big thing. For me, this is a video you don't want to miss one second of so grab some popcorn and enjoy.

So it's so great to see you again. Tommy i've been so looking forward to you coming back yeah. No, it's good to see you as well yeah, i'm glad to be back. If anyone watched the video before we gave you 800 to invest, didn't we and we want to see how that's gone.

But the other purpose of today is try and find a path for you to follow from this stage on, and i firmly believe that anyone can become a millionaire. I don't think everyone will become a millionaire because some people don't want to take that path. I know i've said this before, but i say to you again: you know i've always thought you've got so much potential without a doubt, and it's just finding that path for you to channel that potential on. I think that you haven't found that path.

Yet, no definitely i i will 100 agree with that. I've sort of lost myself and who i am for quite a few years now i i got into like a really frustrating dilemma of. Where do i want to go like? Do you think? That's a fairly common feeling of youngsters. Nowadays a hundred percent yeah 100.

I i think it's it's really annoying to be because when you go to school and you learn uh a load of subjects, but then you get worried, you go which path. Do i take? What what if it isn't what you want to do? You know, and i felt like definitely with me after, like after being at school, i i felt lost within myself like i truly did not know what i wanted to do. Sometimes i didn't feel like. I was good enough that i was going to be stuck in a cafe job or something like that, and i think the worst bit was seeing my paycheck sort of get flushed away, because i wasn't feeling good about myself and the only way i could feel good Was to go out and party yeah and that feeling doesn't last very long.

Does it? No, you know it might be that evening and the next day you've actually got a headache and you're going. Oh god, i don't feel good today and i've blown all my money. Yeah, looking at the bank in the morning off, it's never never a good thing. The past sort of two years now i've been trying to sort of get myself on track.

It's a bit like a spider's web. You know you're trying to get out from the middle gradually working away - oh strands broken, so that could be. I don't know, i've been sacked from a job or something like that. So you backtrack a little bit, come along the edge and go up another one and there's always a path out to that million.

If i was to say to you, what's your vision of the future, where you want to be, i don't know say by the age of 33, could you paint a picture of of that life that you're going to have you know what car you've got? I don't know what house you've got whether you've got kids or not um yeah. I i think in about 10 years time, which yeah i'll be about yeah i'll be 33. well, it goes very fast yeah. No, i see myself, you know, i do see myself having a family.

I definitely want a tesla after after seeing the tesla yeah, how couldn't they look so yeah? I mean i'd like a house with a nice garden. Have a dog, maybe two dogs - maybe a german shepherd and a husky blimey you're gon na - have to earn some money to feed them yeah. No, definitely! No! I! I really really want dogs, i think, being just happy and stable um. You know, i don't think you have to be like the richest man in the world.

But again you don't want to be struggling yeah because money certainly buys freedom. It doesn't buy happiness, there's quite a lot of people that have a lot of money that aren't happy, but money certainly gives you the opportunity to buy time for yourself, which is quite good. What i'm quite um interested in in understanding and that's where the honesty comes. In is you know? What is your your current situation? Uh, you know how much are you spending, for example, um well on a monthly basis? Well, my situation, i'm currently unemployed, i'm doing some odd jobs here and there obviously gives me an income every month of around 400 us dollars, i'm currently living at home.

Uh with my mum. Don't hang on, don't be apologetic about that. You know what the longer you can live at home, the better absolutely the better. Your bills are low.

Okay, you might want to get an apartment. You know, particularly when you get girlfriend you know, do everything you want have a bath with the door open. You can do everything can't you it's amazing, but you know at the end of the day you know all the while you can live at home. That's going to be the cheapest living that you'll ever ever get nobody expects you to live life like a millionaire.

So all the while they're not expecting you to live life like a millionaire. Don't don't you just don't need to you, don't need to look rich? Is it mark zuckerberg yeah yeah? He he doesn't dress like a rich man at all. Does he not many of them? Do do they, you don't see elon musk in you know all the designers definitely definitely dresses smartly. Doesn't he yes he's smart guy, but he's not over the top? Is he you know a lot of people think it's about.

You know they want the designer clothes, they want. The fast cars, the the big house, the glamorous lifestyle - and you know partying every day, but the reality isn't that the reality is they they're buying. You know investments, you know, they're buying property. You know they're running their businesses they're becoming so financially free and that's what they're about you know.

Building that wealth. You know the people that you know buy all this designer gear are the people that want to look rich and why? Why spend it on something? Just to impress someone that you don't even like exactly it's. I think it's just a case of of uh. Some people just want to prove themselves, don't they you know, and especially the richest the rich.

They don't need to prove themselves no and they can feel comfortable in wearing their own skin comfortable with what they are yeah. Definitely with a lot of celebrities and stuff. You know they make this big money from like a few records and stuff and then waste it on all gucci and everything, and then also you know you never hear about them again, no they're gone. Aren't they yeah exactly one time wonders what do you have left? A month out four hundred dollars, i'm guessing it's not going to be that high.

To be honest, i i have to say i'm also a very erratic spender. So in all honesty, i don't i i wouldn't say i'm i'm left with anything really. The thing is that you're, proving, though, is you can get by every month on 400 yeah, not even 400. I think i could get by on even just a hundred dollars yeah, but that's that's, making it very, very, very difficult, so yeah, let's just take the proviso that four hundred dollars is proved you can get by on yeah.

So any increase on that through work. Is you know, that's investable, money yeah, and what about things like credit cards? Do you have those or any debts of any sort? No, none, okay! Well, um, not having debts. Obviously, that's a great thing, absolutely great thing: um, but not having a credit card. That's a bad thing because at the moment, you're not building up any credit score.

Okay, so you know the first thing: i'd say to you is definitely get yourself a credit card because at some point with aspirations and dreams, you're definitely going to want to borrow at some stage. Okay, now to be able to borrow, you need a credit score to be able to borrow well, you need a really good credit score, so if they give you a credit card with a thousand dollar limit, then only spend a hundred dollars of it. You know, because that is a manageable amount and only on the things you were going to buy anyway. So i know you don't drive at the moment, but, for example, for a lot of people putting their gas on the on the card is a good way of doing it, because they've got to buy it anyway.

They can pay it off at the end of the month in full, and that starts building that credit score. It shows that you're able to handle your money and then when it comes to getting a loan on a mortgage or on a car, preferably not a car, but certainly on an asset you're more likely to get a better deal. So certainly one of the things i'd recommend for you straight away is to to do that without a doubt, so apply for a credit card. Definitely yeah.

Okay, we don't have to pay it back like so paying it back and forth is probably the best option. You've. Definitely got to pay back always the other thing we need to look at, of course, is the investments? Oh yeah. Definitely i'm definitely i'm excited for this.

I am absolutely loving it because my inbox and our comments on all the videos have been. How has tom done? I just everybody said i can't wait to the next round, so i can see how he's done so. Basically, you need to share that with me, because i haven't seen any of this. Have i no you haven't seen? No, i know you messaged me, didn't you, because you, you weren't sure what this was all about.

When i gave you their hundred dollars yeah. Definitely, i think, didn't you say um in the text. Is it just the profits that are mine yeah? I thought i genuinely thought it was just the profits i was. I was keeping so no! No! No, obviously, to my surprise, you were like no that's yours.

I've actually seen you guys, yeah, that's your little head start yeah. So that's what that's all about you know to get you off the off and running. Shall we say - and you know i'm really grateful for it and obviously yeah like that, just it would brighten my day. I should put it that way.

Okay! Well, as i said, hopefully it just well. Well, that's nice, to know i mean that's, that's why we started the whole youtube channel was purely to try and you know, help other people to to see the possibilities you know and if you can see the possibilities, then you can make it happen for yourself. If you choose to do so, and of course everyone else will, but if you choose to do so, then there that's a great thing and if you'd like to get involved, we bought giving away free stocks when you deposit a hundred dollars i'll leave the link down Below for you and if you're in the uk or europe, you can use code mark 212 on trading 212 and pick up a free stock. Oh i'm really excited.

If i genuinely really excited about these, because these are the way to kick, aren't they i'm looking forward to this right, i think we'll start with investment number one: okay, which was s p, 500 yeah index fund, so the return percentage was 3.4, that's very good. The profit i gained was uh 6.77 yeah. Well, that's a that's a good investment because that's a that's a steady investment, it's a long term, so you're not going to get high returns every single month, every single year and you're looking to try and get historically. It is about eight percent, that's when it starts compounding so you get for about 10 years 12 years and the actual amount of money you're putting in is not as much as the interest that's going in quite often, and that's how this compounding thing starts going on.

It's like a snowball going down a hill, it just keeps getting bigger and bigger and bigger i'll, just keep it rolling along and keep adding to it. When you can, you know on a monthly basis, it's brilliant. If you can, because you don't, then miss the money. No, yes, it's a good way, yeah yeah.

Definitely so that's a good hit straight away! I'm happy! It was a profit yeah. So you know it's not a loss, so investment number two at into tesla. Oh that's right, yeah! So the return was 29.77. Oh wow wait! Yeah, so the profit i gained was 60.48 and let's put this into perspective, that's in a month and a half that is in a month and a half i can see you're excited about it as well.

I am i'm good, i'm happy about it. I mean i love elon musk, so obviously he's a bit charismatic. He is, he is literally the real life, tony stark yeah, so you know he's the real life iron man and - and you know, with all his other projects going on like spacex, and you know i can't get enough of it. I'm constantly on youtube trying to find out when the next rocket launches, no i'm so behind it he's trying to revolutionize the world.

I don't want to make myself sound old, but one of the things i really want to see in my lifetime is humans. On mars. Oh yeah, because my my first memory as a kid i was two years old just over two years old was man landing on the moon yeah. You know so just just seeing that on the telly and remembering my dad freaking out over it, you know we've not had that no in our generations and i'll include you in that.

So i can't wait. Yeah 100, like even his ambition to to colonize it yeah. It's amazing, it just makes you think, like the the people that are going to go, there eventually live there. They're gon na have children, they're gon na be the first martians, exactly yeah, which is just and actually quite funny.

We were trying to figure out what the name of somebody that would be born on the moon is luna. That's what i thought, but i don't actually know what it would. It would be lunatic luna luna could be any of those couldn't it listen. So that's another great investment.

So let's have a look at um. The next investment investment. Three was google. I don't know why, but obviously in the back of my head, i just went like everyone uses - google.

Obviously they bought youtube out like years ago. So, what's the best feature on youtube, then the like and subscribe button yeah and you've got to smash that, like button just to help out the old algorithm, the return percentage was 18.9 percent for pulling one out the part. That's pretty good and that's going yeah for google and then my profit was obviously 38.46 again a blind in return. Isn't it i mean that moves us on to uh the special one? That's the special one.

I think this one's your favorite. Isn't it well, do you know what i i did a a video not so long ago about obviously well the same video really about looking at lots of different investments, and you know i gave it quite a high risk level, the cryptocurrency - and i think that was Fair at the time, you know no definitely - and it's probably fair now, but my word has that is that flowing it peaks like when you least expect it. I know it's not real yeah. So obviously, i'm going to tell you you're going to hit me with these numbers.

I can't stop smiling knowing that these are good. You know they're all good, so i've got a smile here. Well, so return go on big percentage coming 68. Oh my life.

That is so good eight percent, which means the profit i gained, was a 135 and 31 dollars. That is amazing, absolutely amazing, and that i tell you what every time i looked at it i i was just like: go up, go up, go up or sometimes sometimes i'll, just check it and it'd be. Did you look at it every single day? How all right, how many times every single day, did you look at it like once? Did you just once i met a few days, you looked at it a little bit more depends on, like obviously it depended on a day like if i saw it, it peeked right up yeah. Obviously i check it like a few times during the day.

Just to see how much i'm gaining but like say if i saw it in a in a loss, i wouldn't check it. No, of course no, no i'd i'd, look at it, see the red and then go like no do you know. The thing is with with this investment is: look. How excited you are i'm excited for you as well.

You know this is this is the great thing and the hardest thing with investing is starting? Yes, just starting, you know if everyone left school and was given 500 and said, look you have to invest that you can move it around all over the place. You don't have to add to it. If you don't want to - and you can't have any of it for the next five years - all right - it would get everyone investing, wouldn't it everyone would get the bug. Everyone would hopefully grow that money as well and once they they're understanding that that'll be such a great thing, such a great thing yeah.

I think i think it's because it's not it's not something you get taught at school. Is it none of this stuff? Is it it's definitely something that everybody should get into? I mean i'm loving it i mean i really am, and i did not expect it at all like i. Obviously i watched it um, you know watching my friends. Do it and everything - and i just couldn't understand it - i have to be honest - i could not understand it so should we compare how we done with the investments, because i think curtis has got the uh, the actual figures that compare with yours um.

So what was tom's total tom's total was 241 wow. That's a lot of money. You have over a thousand dollars now that is yours wow, oh my god. When was the last time you had a thousand dollars a little while ago.

Yeah. Definitely that's all right, then. Well that i kept that isn't blown away right, so i've got to add this little caveat to my one from my very randomly selected investment, some of which were the lotto right. Let's see how my one was, you did 108, that's amazing, so you've done really really well.

How much work did you have to do to actually create that profit, an actual work, nothing that is pure passive income? I think the only bit of work is obviously if i want to put more into it, yeah. Well, the work. The work is too, the work is earning the money, isn't it so the work is earning the money to be able to invest. So, generally, you know for passive income.

It either costs you money to create the passive income or it costs you your time. So your time, investment to create the passive income. Now i have swapped a lot of my investments around i've actually piled every single one that wasn't working well into bitcoin, really on the same day you invested in it. Now i haven't, got the figures, but obviously even you can work from that that that's uh.

That's big numbers. I've been absolutely flabbergasted at the amount of growth on that so crazy. I just i don't know it's just but you've got to remember it could be wiped out in one single house as well. So you know it's definitely a big big balls game.

This one, especially those stories that you've have you, heard all those stories about people that had like um, 60 million worth in bitcoin, and they just can't find the password too. I know i think, there's even a story about someone whose hard drive got taken out by the rubbish dumped because he'd finish with the computer and now he's trying to get the council to allow them to dig to try and find where this computer has been buried. In the landfill, how about that? Joking, no and there's millions of dollars on there, millions of dollars, they're, never gon na, find that surely well. They know roughly apparently where they dump everything.

So it's just a case of getting the license and getting down there. But who knows it's just something i heard well a little little while yeah look wow, that's for sure, that's crazy, and if you want to get involved with this bitcoin mania, then you can pick up ten dollars worth of free bitcoin by using my link below for Coinbase, so at the moment, are you gon na keep these um investments exactly as they are? Are you gon na move them around or what? How do you feel about that? I mean i'm really happy with with what i did so um definitely going to keep it in to the smp, and i think i just keep adding to that one. I think that's the smartest option because, obviously later on it, it will be a bigger investment. In my life, well, most people have got 47 years of work in life and if they were to put from 18 to retirement 200 away every single month until they retired they'd, have over a million dollars seriously over a million dollars.

Yeah, i've quite often said, and to my wife as well, you know like i, i put this money away, it's not for us to spend or ever use and she's going, but but it'll be a big amount of money. I said yeah it will, but i'm trying to make the money along the road to to get where we want to get to - and you know that's that is purely insurance in case in case something bad just in case yeah and ain't. A bad thing to have in the background is there definitely not. The next stage has really got to be getting yourself out there and getting a job, isn't it so 100.

So what what do you think you're going to look for at this stage? Uh, i'm just trying to get any job that i'm qualified for basically, and obviously it's also depending on the distance, because i don't drive yeah, that's that is a bit of a problem. It's a massive problem yeah, because i'd give you a job tomorrow. If you could drive to work, i'm really good in a go-kart like well, that's debatable! How did you do when you raised me? I came second. Thank you.

Yeah! Second, first loser! Well, third, third, oh we're going back down! No! No, no, that it wasn't fair because obviously you and my mate sam were racing it out in front, and where did i start that last race? Where did you start? You start last. I started in the pit lane because i thought i said: look i don't want to be on the front, it's no fun. I want to be going fast, all these people. It was funny, though i have to say that was a really good birthday.

I mean obviously you've got to apply for jobs now personally i'll say apply for anything. Don't don't worry about what you qualify for? What you want to do just apply for anything anything. That's out there. You know because obviously we're over here in the uk and the equivalent on the minimum wage is about 19 000 a year.

So you know to me: that's a job. That's worth having. You know all the while you've got that job as well, one you're earning, but secondly, you're employed. When you come to someone else, if you come to me - and you say well, i'm actually currently working for someone.

I know you're a worker, don't i if you say i'm sitting on me, what's it and i'm not doing anything, then you know. How does that appeal to me? It doesn't matter no okay. What about in the interviews, i mean interviews. You've got to ask certain questions.

What would you ask in interviews when he says to you at the end you know: have you got any questions? I don't really ask questions that i think most. I do ask the questions during the interview uh, so i get a lot of my answers or sometimes i have a question and it gets answered during the interview. Well, the end of the interview when i'm interviewing is the most important part. It's your part to impress me yeah when someone says: oh, i don't know.

No, i think think we covered everything. It doesn't really work yeah, whereas if you came back with um, you know what prospects are there for me to be able to? You know, move up and get promotion, you know or um. You know what chances are there for me to be able to learn more on the job or what is it of my qualifications? That's worrying you. You know yeah anything like that.

You go. I remember that. Guy yeah, he asked a good question and uh yeah he's not quite qualified for it, but he wants to learn. You know that's great.

He wants to. He wants to come up the ladder he wants promotion. He hadn't even started. He wants promotion.

You know you're. Looking for you know somebody who wants to be there long term, you know when, when you're a business, it's a lot of money is invested in in training and teaching and people don't understand that they're getting jobs, they really don't. You know, and it can take quite a long time for an employee to become profitable. So if you're giving me the vibe that you want to be working with me for five years 10 years, i'm going to invest in you as a person yeah, and i want that sort of person.

So it's quite important how you interview - and i think, if you practice that that's that's - that's really important, so yeah definitely how'd. You feel about that, because that's going to change it from how you're currently doing things yeah, i think yeah. Definitely i need to like ask more questions at the end, so obviously the great thing about getting a job is you've got all that extra income coming in and that should pay your way. You know it should be more than enough from what you're saying you need to spend.

So after that you want to start looking at something like a side. Hustle. Now lots of the comments we got from the video you appeared in was they thought you should be a model shouldn't, be an actor but should be a model. So how does that appeal to you? I guess it.

You know it always comes down to a confidence thing um and i don't think i was ever really confident in myself for that, but um yeah, i'm definitely up for giving it a try again. It's always all about getting out there. Isn't it and pushing yourself a little bit, maybe get with an agency or something like that, but i know you're, obviously you're a really creative person, so you know that's the thing that i i think is your real mega future without a doubt oh yeah, so yeah. I definitely want to start doing some cosplay stuff yeah because obviously like, if you're watching the mandalorian, how cool would it be to have the mandalorian helmet? I can show you something: i've been working on.

Oh you got one with you yeah. I didn't sneak that in didn't you. I did. Let's have a look there.

We go pretty cool this. This is sort of me testing sort of a budget helmet that i wanted to make. You know what does that cost you to make nothing apart from your time, apart from my time three four hours, maybe a bit more yeah, maybe, but i think i think less to be honest. Okay, the thing would be to do as a side hustle to start with, just to see you know, because it could be a good market for you out there and you've got comic-con and everything where you meet the actors and things, and obviously like people, love that Some people only want the costumes for the bedroom, don't they yeah good old yeah? Where did that come from i'm just thinking of a stormtrooper? Well, there you go.

What i'd like to be doing is making it more sturdy, so, like 3d printing we're similar in some ways, you might not realize that, but i like to design you know things. So all my you know all my aircraft that i sell for my business. I design those um, but once i've designed it and done all that work set up the manufacturer. I at that point i'm only interested in the sales of that item really from there on and maybe tweaking it and i'm on to the next design at that stage, because that can be produced.

It doesn't need me to be producing it and once you've worked on another design, you pop that into place and gradually your catalog of available products builds up, yeah, of course, and that's, i think, that's the best bit, because i i get bored quite easily. So it's always nice doing something new every time and you've got to do proper. Customer research. That's always really important as well.

If you just show it to friends and family they're, going to oh it's great, it's fantastic yeah produce a million of them brilliant, but actually your real customer research is what people would actually buy, and that's why it's always good. You know building up an instagram group. I know you've started building an instagram following based around the modeling. I think at the moment, yeah starting with the model at the minute, yeah and obviously side hustle eventually will be that way.

That's it and the good thing with instagram is: you can do a lot of customer research on instagram because you can post a picture or even just a concept of an idea, yeah, and if you get a good response to that, that gives you your first customer Research and guess what it's free, free, research - yeah! Definitely you know, so you can't go wrong with that. Really i i think you've got a great future ahead of you tom. You know. I think that i've always thought that it's just a case of getting us on that path.

It's time to start pursuing my dreams, so i'm going to leave the next video right up. There don't click on it. Just yet don't forget to subscribe to the channel smash that like button and ring that bell, if you want to keep up to date with all the new videos, okay i'll see you over there.