But What Does Financial Independence Actually Mean?
Your Investment Portfolio
Real Estate Income
A Side Business That Runs Itself
And More...We'll Cover This In A Minute
The 5 Pillars To Financial Independence & Early Retirement
One: Getting To Financial Zero
Before you can get your money working for you, it’s critical that you stop it from working against you. This is really the first step on the road to independence. Whether it’s...
Any of those side hustles could easily become your primary source of income. You can even pursue them as a full time job.
Four: Investments & Putting Your Money To Work
There’s an important number you need to be aware of. It will dictate exactly how much money you need to retire. That number is…
The total percentage of your investment portfolio you can withdraw in any year - without eating away through your capital, or losing ground to inflation.
Here’s the math behind it…
Historically the S&P 500 stock index has returned 7% per year.
If your portfolio is invested in the U.S. stock market - that’s roughly how much you can expect it to grow in any year.
Then you’ve got inflation. Over the last thirty years, prices in the United States have gone up - on average - by 2-3% per year.
So even though your portfolio grew by 7%... prices also went up as much as 3%...
Your real growth is 4%.
That’s where our safe withdrawal percentage comes from.
If you spend $45,000 per year on your current lifestyle… that means you’d need to have $1,125,000 to live entirely off your portfolio in retirement.
That might sound incredibly daunting…but it’s easier than you think.
Thanks to something Albert Einstein called “the most powerful force in the Universe.”
I’m talking about compound interest.
Let’s say you have $10,000 invested. It grows by 7% per year, and each year it builds upon itself. Within roughly ten years - you’ve doubled your money without any work.
If you keep saving every month, and padding your portfolio… it doubles even quicker.
We’ll be talking to investment experts who specialize in…
So you can get your money working for you faster and better.
Five: International Living
There’s another kind of arbitrage I want to talk about. It’s called…
You’re probably aware that the cost of living is different around the world. Even within the U.S. it’s significantly more expensive to live in New York than Memphis, TN.
If you look further abroad… the cost of living in places like South America, Asia and even Eastern Europe is far lower than anywhere in the United States.
Think about what that means for your retirement dollars.
Your dollar goes further… so you don’t need as much money to retire.
You can slash even more years off your “retire by” date.
Many of the interviews in the members area are with people who have left the U.S to live abroad or travel the world.
You Get Instant Access To A Library Of Interviews & Video Trainings Tailored To Improve Your Finances
Plus I add multiple new interviews and video trainings each month.
It might be a new side hustle that can put passive income in your pocket. Or it might be a creative way to save money, while living better than you are today.
Here’s A Sneak Peak At Some Of The Interviews You’ll Get Instant Access To In The Four Percent Club Library
Video Training: Boris Savrasnky
Interview: Justin McCurry
Interview: Aman Makkar
Interview: Jeremy & Winnie
Interview: Scott Grimmer
Interview: Vic Dorfman
Plus many, many more...
It's not just interviews...You'll also get access to:
- Audio Interviews With Every Expert - Revealing their best tips, tricks and lifehacks for earnings… saving… and living better than you imagined possible.
- Video Training - Some concepts need more than just audio to explain, for those we’ll be doing special “how to” training videos.
- Transcripts of Everything - If you’d prefer to read the interviews - or you just want to search for a specific tip or section… now you can.
- Idea Summaries - I’ll give you a “bird’s eye view” of every technique, so you can discover all of the best content in under 15 minutes.
- Mind Maps - Are you a visual learner? I’ll be putting together mind maps for many of the interviews so you can visualize how everything comes together.
- Infographics - Sometimes a few graphs or a chart can say more than an entire book - opening your eyes to unforeseen risks, or amazing opportunities.
- Tools & Software - Get access to my private collection of tools that I use to earn more, save faster and live better.
Everything you need to shift from working for a living… to living on the fruits of your work.
What Your Future Looks Like…
When you get into the members area, you’ll find plenty of material to assess your situation and start making a plan for early retirement. If you don’t have one already…
Listening to and implementing any one of the audio interviews or video trainings in the members area will help you to make a plan to shrink your “Retire by” date by decades.
Twelve months from now, you can look at your growing retirement fund with pride. And you’ll know that real financial independence is getting closer by the day.
You’ll have the option to retire. Or to take a sabbatical. Or even to keep working. Which is the real point - unlocking your options - so you can decide what your future looks like.
And you can get all of that for only $11…
That will give you 30 whole days of access to The 4% Club. When you like what you find in the members area - and I’m confident you will - you can stay on for just $11 a month.
And every month you’ll get another batch of fresh interviews and video trainings…
Plus unlimited access to ALL of the interviews, trainings and more that came before.
You Can Cancel At Any Time
If you ever want to cancel your membership - not that I think you will - you can do that at any time just by emailing me. I’ll process your request within 24 hours… and you will not be charged another dime from the time your email was sent.
So there is no risk when you sign up to try the 4% club today.
What do you get when you sign up for the 4% club?
You get instant access to a library of interviews and video trainings that you can immediately start listening to and watching. The information contained in these interviews and video trainings are designed to help you reach financial independence and retirement faster.
Who creates the information in the 4% club? How do I know it's good?
I go out of my way to identify individuals who have become experts on these topics based on their own experience. For example the interviews and trainings on getting out of debt are done with individuals who had tens of thousands and in some cases hundreds of thousands of dollars of debt, when we talk about improving credit we interview people who have taken their score from mid 500’s to high 700’s and when we interview people on investing, it’s people who are currently retired as a result of the good decisions they made managing their money. All our material is based on true, real life stories of people mastering their finances.
I have a question you didn't cover here. Can I contact you?
Of course! I’d be more than happy to help answer your question. Simple email me and my team at firstname.lastname@example.org