Before we dive into today's email, I've got a quick survey for ya.
Tell me what you what course interests you the most.
And if you'd rather hear more about something else, just reply with your answer.
That way I know what to feature in the future.
| What course are you most interested in taking/ learning about? |
|
|
|
|
|
|
|
Now, time for a little tough-love.
Because even though Austin is cooling down, I'm heated.
Did you know the average 40-year old American has less than $50,000 saved for retirement?
That means most of you are planning to die on the Walmart fucking floor.
Here's the quick math:
To spend just $4,000 per month in retirement, you would need a portfolio worth about $1.2M.
What. The. F*ck.
That means most of you (statistically) are way behind.
"But Caleb, you don't understand, investing is for rich people! I can barely pay my bills!"
Listen.
I'm calling bullsh*t.
If you can scroll TikTok for 3 hours a day, download DoorDash, and binge watch Netflix, you can 100% start investing and build wealth.
And I'm going to let you in on a little secret pookie, you don't need to be rich to invest.
Here's the thing though, if you're making any of the CATASTROPHIC mistakes below, you're basically lighting your future on fire.
Mistake #1 You think you need to be rich to start
This is the biggest lie you've ever told yourself.
You don't need $10,000 or even $1,000 to start investing.
You can literally start with $5.
See, while you're waiting for some magical windfall to start investing, compound interest is passing you by every single day. And that sh*t adds up to DECADES of lost growth.
If you invest just $200 a month starting at 25, you'll have over $500,000 by retirement. Start at 35? You'll have $250,000. Start at 45? Good luck with that $100K.
So stop waiting for permission or the "perfect time" buttercup, and start putting money to work TODAY.
And if you keep reading, I'll show you the simplest way to start investing without needing a finance degree or a trust fund.
Mistake #2 You're investing in stupid sh*t
I get it, you wanna get rich quick and retire at 30.
But I got news for ya.
You aren't the Wolf of Wall Street!
And you definitely don't have insider information that the entire market is missing.
Throwing money at crypto, meme stocks, and whatever random garbage your cousin told you about is not investing — it's gambling.
See, when you chase get-rich-quick schemes, you're not building wealth. You're playing financial Russian roulette and hoping you don't blow your brains out.
Those "opportunities" add up to massive losses, and over time these desperate YOLO plays can completely destroy your financial future.
You absolutely HAVE to invest in boring, proven assets (I'll show you how in a sec) so you can actually retire before you're 80.
Now, this isn't all tough love.
I WANT you to build wealth and have financial freedom.
But it needs to be strategic and consistent.
So no more putting your rent money on Dogecoin, k pumpkin?
Mistake #3 You're not taking advantage of free money
One of the best ways to stay broke forever is to ignore your employer's 401(k) match.
Just imagine your boss is literally trying to hand you $3,000 a year and you're saying "nah, I'm good."
If you're not contributing enough to get the full match, to put it bluntly, you're f*cked.
And while "I'll do it next year" sounds reasonable in your head — it's nowhere nearly enough to make up for the lost time and compound growth.
I recommend maxing your employer match FIRST, before literally anything else.
I know that sounds intimidating, but with the right habits and tools it's absolutely achievable.
"Okay Caleb, I get it. I need to start investing. But I just don't know where to start…"
Hush.
Daddy Caleb's got you.
Trying to figure out which stocks to pick can feel overwhelming.
And the thought of managing a complex portfolio probably makes you want to barf.
(Me too tbh
