Average Investor

@Consept Really glad you followed up with that book and what I shared previously. I agree with what you said here. I currently have most of my IRA investment in the best malls in the world. The malls are set to be run fully on green energy by 2025 I believe. A good portion of the portfolio already using fully sustainable energy. However, one large thing is that a lot of the retailers in the mall are into a lot of practices that are unethical and toxic. Things like the clothes making is absolutely terrible for the environment. I can't say they are totally and completely bad either though. Thing is I invest into the real estate. If everyone started demanding large yoga studios, meditation centers, libraries, retreat centers, etc there it would be totally different. A lot of what I have learned is just time in the market triumphs timing the market or building out elaborate schemes. Just simply gathering a large understanding of what you are investing in will be plentiful returns. Building out a plan and sticking with that plan no matter how emotional you may feel. I'm working through doing the life purpose course right now. I've read a good chunk of the books on there. I am actively working on it every day. I absolutely love teaching other people stuff and my strongest strength is input of information. I have been training for over a year in toastmasters with public speaking. I am reading books on it and training every week. I am working on building out a full vision of what I want exactly still. However, I can see the next thing I go into would be teaching personal development full time. I can see there is a lot of stuff for me to break through personally to get to the level I want. I have already experimented with shooting the videos and all that and I did like it. Now into any sort of specific niche I am not sure. I still have a lot more to work on, but I feel I am in the right area. The public speaking is the first time in a while I couldn't sleep over thinking about how happy I was from doing it. I definitely ponder it a lot and have some doubts. I ideally want to make something different. However, I want to work on building out good skills and finding what I love. I'm having a lot of fun in the process. Breaking a lot of barriers that I didn't think I would be hitting working on this stuff. So much internal resistances to work though.

I'm gaining a lot more clarity on what I want to do in my life. I can see that a lot of what I am stuck on is just the "how" piece instead of just focusing on what I want. I plan on working on more law of attraction soon. I think this will help. That and I know I still have a lot of issues around money that I want to work on. I have a lot of shadow work in general to work on. I did quite good in the speech competition. It took a couple of weeks, but that was the most speaking stuff that I have done at all. I have made the most progress by far in the last few months with speaking than I did in an entire year of doing this. I started studying more material now with books too. I have a really good formula for building speeches now. I am going to do deliberate practice on that over and over. I seem to have found a really healthy balance with how much I game, work, and do personal development stuff. I really do want to dig deeper into life purpose stuff too. I need to build out more time daily to really build out a vision for what I want to do. I can really see that input is my top strength. I find myself teaching and sharing and pretty much anything that I do. I've known this for about a year, but the more I reflect on it I can see how true it is for myself. I like the speeches and stuff a lot so far. I also really like reading. I am going to keep cultivating the skills to make a really good Youtube channel. I love talking about health stuff like toxins, diet, etc. I like a lot of personal development as well. Psychology is really interesting to me as well. I think just between those I could make a lot of stuff. I really get into toxins and stuff deep and I think some other people would want to learn that stuff as well. I am adjusting more time into my schedule to do more posters again. I am still doing the reselling and building that. I can pretty much do it on and off, so once I get LP going it really should mostly be automatic. I need to get all of the posters pictured and ready to list. Then I can start listing other items myself and keep clearing out old stuff. For about 2-3 months during the summer will be the best time to source items. I can load up and have everything I need for the next year. This should allow me to form another business once I have all of this set up. The posters alone will put about $30,000 worth of inventory in. I need to reach about $70,000 total and that will be enough to keep regular sales in. I am cashing out a little investments too and going to make some savings for myself. I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Getting up early Getting on track Getting closer to LP

That would likely be a good way to help spot and support companies that are more green. Some concerns like fees would come to mind for me. These fees are just for an account! There are good brokers in the US that charge no fees. You should be able to access some. Here in the Us I can get all top 500 companies in an ETF with a .03% Annual fee. However, keep in mind that generally smaller ETFs are going to cost more, but I would not want anything over .1%. Also, yes I would sweat it the closer you get to a 1% fee. That really starts killing your returns over a long period of time and it compounds. I personally don't see anything too special on this app. However, if could help show you some companies to look into if you want green energy, but someone on youtube could show you. You could find low fee clean energy ETFs. I try not to get too crazy, when it comes to ethics. When I buy something like the S&P 500 I am only in so much control through my money. I hope that mankind as a whole is working towards a cleaner and more conscious future. However, I know that not all of the companies there are doing this. On the other hand a lot of the services are needed. For example we could not just give up oil right now. Even though a lot of those companies do a lot of immoral things. I wouldn't directly put money into a tobacco company or something though. I highly suggest reading the intelligent investor by benjamin grahm if you want to learn to set up for investments well. I've invested in other markets, but this year was my first in stocks. I used the techniques in the book and I have got about a 75% return on investment. I also want to share that I have found that too much time in investments really detracts from working on a LP. The knowledge is good though. It is hard to help anyone with no money. Learning to have money work for you makes a big difference. Just be careful not to get sucked into it too deep.

I'm going to use this more, when it has the most benefit to me. I think this still helps a lot with keeping me on track though. I don't sit enough and really think about what I am doing. I will try to update a few times a week, but lately I have not been up to it. Right now I have pretty much spent this week designing a speech and practicing for speaking. I have got a lot of hours in and I am even reading a speech book now. My skill level is really moving fast as I am not ready to start bringing in a lot of new concepts. My main focus is learning how to construct good quality speeches. I have been going over and over this one right now. Basically something to inspire people to shift where they get their happiness from. I wish it was a 8-10 minute instead of a 5-7 minute speech lol. I can really fill out this topic. I see a lot of the mistakes that I was making before and really starting to correct them. I feel so much more confident in my speaking. I am really using this to break out of worrying what people think too. I will do speeches or talk about stuff that I think people will judge me for and just do it anyway. I feel like I am getting a lot of personal growth for this. I am spending a lot of time working on life purpose stuff too. I am dedicating each morning to working on all of this stuff. I have not really been spending as much time on my reselling business as I should, but my interest is much more into speaking. I am really thinking that I could do this if I keep at it. I just need to really work on building out the skills to do this well. I notice that I can really teach people personal development concepts. I still am not really sure how I am going to make it that much more unique or different. I am myself and I know one of my top strengths is input. I will be able to really bring a lot of information and key ideas to people from stuff that I learn. Also, from me starting heavily into this from Leo I feel like that gives me an edge since a lot of the concepts I learned has accelerated my growth. I can see that I have a lot of interest here though. I think this is what I should be focusing on a lot. I need to still do some reselling stuff. I didn't buy the supplements to do weeks 5-6 of my detox, but that will be okay since my diet is consistent and clean. I should be able to just pick up where I left off and do the protocol as called for. I found a second item that I am pretty sure I am allergic too, which is mushrooms. I was eating them all the time. They make me itchy and make me burp a lot. A bit of stomach discomfort. I need to test this again, but I think this is could be another culprit. I still have not got to go in for allergy testing, but they will call me when they can make an appointment. I would like to get some bloodwork done too. I would like to reach a point within this year where I can mostly wrap up my reselling business and focus on life purpose. I have some stuff I need to do and I want to source this summer too. Sourcing only takes about two months. I could get enough to last the rest of the year and then some. If I build up enough systems this will mostly be passive and I won't have to worry about monthly bills much. I can just put most of my attention onto the LP. I realize right now that I want to work on my speech skill the most. I am really digging into that. I am learning personal development stuff just out of my own sheer interest, so it won't be a problem to continually improve. I don't think it will be too great of a distraction, but I really need to put in some more work into reselling to get it producing more money. Right now with my speech I started it off describing how I was going to kill myself, when I was younger. I have evolved it into a really powerful speech. It isn't where I want it to be, but it will work for the competition. I feel like I have really used this to help me greatly with past traumas. It's like I am just telling the world this stuff, when I never really talked about it, then turning it into something inspiring. I even talked about this stuff fairly deeply with a few toastmasters and they experienced similar stuff. It's been really empowering. I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Toastmasters Making great progress Trauma healing

I am about half way done with the Steve Jobs one. I just bought Can't hurt me, Walt Disney and Einstein biographies. Could be business related or anything really. Just want to read some good inspiring biographies. What are your favorites?

Have you checked out natural medicine? @Michael569 Is an NMD I believe. There is a fair amount of stigma around NMD I feel like. I can say so far it has worked for me. There is a lot of great stuff. A blend between the two would be great. I think western medicine is mostly toxic stage orange, but still some useful stuff there too.

I feel fantastic after my break. It has been such a needed thing. I am going to make sure that I do one of these at lease once a quarter. I notice I am getting a lot more ideas and my overall energy and mood is much higher. My detox is going very well also. I am starting to see a good reduction in symptoms, which would lead me to believe the guy dysbiosis theory. My energy is much much more sustained. I am not being so forceful with meditation and being off electronics like I was. I am going to do whatever feels the best. I think the electronic breaks are nice though. I think those should be treated like a fast for sure. I am making sure to do my morning meditation at a minimum as I find that the most important and enjoyable. I think with a good amount of my habits I should not be as forceful. I need to just enjoy life more. I know that I will do them at this point regardless. Stuff like reading I don't even have to force that anymore. I just like reading and can for hours a day. I am starting to understand the tax stuff a lot more. I regret not getting an accountant honestly, but I am too deep now lol. I have it sorted well though since I took really records. I will look into the pricing for what I can do and who knows a good accountant could save me a lot. I should be able to get everything turned in. By the way to anyone who might read this you can get free software through the IRS if you are in the US and meet certain income requirements. I am going to be doing a speech in a contest soon. I am not getting quite as much practice in as I would like. The taxes have been getting to me a bit for sure. I have also spent a lot of time thinking about the content. This should by far be one of my best speeches. It has really put in perspective how much I have not been training though. I do toastmasters twice a week, but that is not really enough. I need to record myself speaking and prepare speeches a lot more in the background. I recorded myself the other day and wow I sound so much better. I bet if I read these books and get a course, plus add this practicing I should be getting pretty damn good. Jucing has been an absolute miracle. I am spending well over an hour a day on that, so that is a con, but I think that has been a big factor in how well I feel. I am going to be vacuum sealing juice soon to save time. I have really been getting a lot more out of the life purpose course this time around. I have grown and evolved so much since I started. Reading a lot of the books has been excellent too as I am connecting the dots a lot more. I feel like I really want to do intellectual work for sure. I love reading, but I guess I don't really spending enough time thinking and contemplating things. I am more about reading and repeating I suppose. However, I could train the thinking part a bit more. I am really thinking about the youtube a lot more at this point and designing and thinking about how I want to go about it. I just have not really fully picking what I want to master. I want to be a good speaker, but I don't think that is what I want to master. I think even 500 hours of deliberate practice would put me well off in terms of skills. A lot of thinking to do, but I am doing the LPC course daily now and actually having fun. It doesn't feel like a grind or chore. I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Toxin solution Free tax software Starting to feel better

@fridjonk Stretching before puts me right into a meditative state, then I do some Kryia Yoga after the stretches.

I stretch 3 times a day before meditation sessions. Lately, I have been doing a bit of yoga too and that has been a huge change. My body feels great typically. I did take it too far once so far though lol.

Alight, I am back restarting the life purpose course. I am really charged up and I am going to make sure I complete it this time. I have been taking 9 days off and it is really helping me get back on track and realign myself. This has been a much much needed break. I feel a lot more energized to pursue and work on the stuff that I have in mind. I really need to step up my speech development and my evaluation practice. I am going to try to compete with a good speech and I am really spending a lot of time developing this. I want something powerful that can get the judges in tears. I've felt a big shift if how much I haven't really been taking this seriously. I use to play league of legends with a guy and he would always tell me "you play like you practice" and damn if that isn't true. That really has stuck with me and is something I need to keep working on. My health seems to be getting a bit better. I am almost done with my second week of my eight week detox program. I already cut out all added sugar, so this week wasn't really much of a change. I have been drinking 3 cups from my juicer a day filled with veggies. Doing a bit of yoga, and went to the local mini beach a few times. I still fill some feeling of fatigue sometimes in my body, but it is getting there. I let myself sleep in 3 hours yesterday too. I bought the booklist (I know I should have just bought the damn thing) and man it is fucking amazing. I already have a huge ass pile of books in line to read, but I am ordering more lol. I have been really loving playing some ark survival with my little sister. What an amazing and well crafted video game. I have not been this excited to play a video game in many years. I should start cutting out games that don't get me close to this feeling. Although, I like to play a game while I work out sometimes and that is nice. I just want to use this time to enjoy it at the max, when I go to do it. This game really fills in my craving to play the 1998 carnivores game I have been wanting to replay for years. I added it up with the posters and I am averaging $165 per hour while doing them. That is absolutely amazing. To think that I use to make under $8 an hour at burger king 6 years ago. Now I am not getting paid by the hour, but that is how much leverage I create with some of these buys. I am really going to utilize this to get me in a good financial spot and to pursue my LP. I really do have a lot of time in the day and I need to restructure it and maximize what I get out of it. I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Life purpose course Feeling motivated Healing

I find him quite centered in orange, while that isn't evil or bad. He is really into his own image and money it seems like. I wasn't really all that impressed with his book "doing the impossible." This stuff still serves a good place for getting people motivated. I hadn't watched him in quite some time and I found some good value in his public speaking video recently. Just having the ability to extract the useful stuff without the BS is a good practice in general.

@latch When I had looked into XRP it seemed like it is just a coin where the creators just dump a bunch of their bags on the holders. I guess I could not see why a bank specifically would use that to transfer money. I realize that it could be faster and cheaper, but I don't see why that would be what they would choose specifically. Also, not sure how much money is really even in the "transferring" industry. Why would they not use a stable coin or something similar. Sorry about the above I had to have a laugh after reading that.

I have found some really significant gems on here that have really advanced my development. For me there is usually only about 15-30 minutes of stuff to browse in my notifications and check out each day. A fair chunk of my time I just journal on here and I like to help people occasionally.

@latch Yeah, I agree with this. I instantly reached enlightenment after investing my life savings into xrp. I was sitting there speculating on how much money I would get, when it moons. Then I realized that my true nature was to invest into shitcoins.

My mind always seems to be scrambled a lot, when it comes to my LP. I way over think things for this. It seems as if I am really positive and really feel the flow of what I want to do, then just feel confused or unsure. I really love learning about personal development stuff. I really need to put aside time and really finish the LP course. I am still on track with all of the books though, so I am getting more and more insights. I am still thinking about joining on more toastmaster group to really help me build my speaking skills too. A big thing that goes back and forth on my mind is how much energy and effort should I put intro reselling. I was thinking I should be able to get a consultant to take item photos for me out of a storage unit, then I could focus all of my energy on getting items. I am already building up a bit of a supply chain of people who bring me items, but I could scale it. I could also invest into a trailer and start doing storage units and really start moving volume. I guess my problem is feeling like I am just going to cut it off. I know some of it I could automate and it could bring me income in too. I don't want to be half and half in business. I also know the best seasons to be reselling too. I am building adequate skills and knowledge needed the whole time. I also need the funding to keep me going, but I am just not sure where it ends really. I could try to automate most of it and scale it into a fully operating business too. I am going to spend a lot of time in my week of reflecting and thinking about life. I am going to make sure that I am not just wasting the time off either. I want to really relax and do some fun stuff. I am going to take some of it serious too with my practices and look into more stuff. I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Toastmasters Feeling a bit better Juicer!

@Logan Thanks so much for the suggestions! Mark is a really good writer, so hopefully that has some good stuff in it. I will be checking these out.

What are the best communication books you can recommend? I am mostly looking for ones on conversation with friends, family, etc. I would not mind some business ones though either. Leadership communication would be of interest too. A big thing I want to work on is just making the conversation more enjoyable for people.

I was able to fix my car for about $20 today, but it took a bit of driving around and I had to switch the parts. It seems to be fully functioning though, so the problem has been solved. I guess I spent another $18 on a scanner, but that worked. It's nice having the skills to be able to do that and it was easy anyway. I am going to start preparing the car for spring/summer time, when I will be driving more. I am going to go over the owners manual and get anything that might need to be done for maintenance. I need to make sure it is worth the time, but I really don't want to spend the extra money on repairs right now. Especially, if I can do just do it myself. A lot of it isn't really that hard and gives me a change of pace. I am going to be setting up a whole week to take off. I am going to work a bit harder this week and get ahead on stuff. I could probably do one week on and off if I really wanted to, but I am not doing that lol. I am going to do a lot of healing stuff and maybe a 2-3 day meditation retreat, which would be my longest for sure. I am thinking about doing the float tank, but just not too sure with covid. I feel like I just don't really make enough money as it is. I pay all of my bills, but I really want to make 2-$3k net and have no problem reinvesting into my business. I am at about $1,200 net and I buy a lot of shit for my business usually. If I do get over the 2k net mark I can move out at anytime and move to a cheaper state and actually live well. A garbage apartment here is $1,200 a month, so I don't really want to do that. I feel like my income is changing for sure though. If that stimulus check comes in again my income will seriously explode again lol. I need to make sure I am getting a lot of products up. I do see a good possibility that this will dry up if the stimulus stops coming in. I need to be really wary too for summer. Although, my summer sales are sometimes better because I find really good items I know there can be some serious dry months in summer. I am going to be prepared with a lot more cash in hand. I have been seriously getting so much shit done now. I have really been utilizing that planner a lot. I just bought another whiteboard to write down things that I want/need to do, so I can add them in on the calendar. My productivity has risen massively from this. This was by far the best take away that I was able to get from the 7 habits of highly effective people. Although, the listening skill is very potent too. ] I allow myself to effortlessly reach my listing goal of $50,000. Today, I am thankful for: Car fixed! Getting ahead on my to do Feeling motivated

@Zigzag Idiot Okay, I will go ahead and pick that up. Thank you!

@Zigzag Idiot Which Lincoln book did you read? The team of rivals?

I would get some life coaching if I had that much extra cash and wanted more clarity. You are in the top 1% richest for your age group in the world with that much by the way, so great work. I would see what you can do to dial back on work. You could possibly see about part time, or find something less demanding that you can do while you work on your skills. You will have to decide what will work best. You might find similar positions that could offer you what you need. All of that stuff you mentioned would be hard to give up right away too if you are paid well.

@flume It's getting there. Thanks so much for checking it out. I have been doing toastmasters for 6 months since the last video too, so I am a lot better now. I am likely going to spend more time this year training my speaking skills too. I haven't decided exactly what topics and etc I will do, but it is getting there. I really appreciate the encouragement.

I try to not cheap out on anything important, or things that would enhance me further. Every year or two I like to shop insurances, which usually saves me a few hundred a year, but eventually won't return as much. I like to buy all of my groceries in bulk as it is one of my larger expenses. I like going to places where it is much cheaper and no taxes to get a ton of stuff. This saves me a great amount and allows me to have a big range of healthy foods. I also use to to save time because I won't have to shop as much. I do a bit of online price checking on higher value items. I wait for eBay to have their ebay bucks promotions to order a bunch of books and larger purchases I want to make. This gives me back 5-10% of my money. I just stack up stuff in my cart that I don't need, but want and just wait. I of course will order it if I need it right away, but books I have more than I can read before the next promotion always. You can use google to look for the item too and find better deals. You might find things 25% cheaper or more on another site with a quick search and save a lot. I try not to spend a huge amount of time looking though. Buy second hand stuff a lot. I buy a large majority of my stuff second hand. I usually buy anything for myself at a good enough price where I could resell it and make a profit. It depends on how soon I need it though. I would find out where most of your money goes and see how you can change the spending there. I can live on a pretty low amount of money per month. My groceries is pretty excessive at like $400 or so a month though for me. I enjoy some nice things every now and then, but mostly I don't need much stuff as I use to.

@BlackMaze You would be looking at about $250-$600 upfront, then maybe about $100 a year in terms of new filters. It would be a good start, then you could test the water later as well. Of course we can't say how bad the water is, but RO water is what you would be buying in bottle water typically for example, except you should be getting a lot less plastics in it. You can look at test online, but that is one of the best options for purification for sure. All of the extra hassle you will do and money wasted on inferior products won't be worth it. An install will take only an hour or two with minimal experience. @Michael569 I had a brita before and I could see the no filter water traveling down to the bottom chamber lol. Thankfully that got me to research deeper into it.

@Zigzag Idiot I have a bunch of little sticky note tabs. Might be worth a try to write a couple words on them. I seem to be able to recall a book by them at a much quicker glance and they take me to significant points. I might give the notes you do a shot too. I like doing an hour in the morning and some more whenever I can. Yeah, my speed has been great right now with the Walt Disney Bio. I am starting to slow a little now that I am about half way through it. The pages have much more text than most of the other books I read too.