How to Go From in Debt to Retired in as Little as 12 Years: Everything You Need to Know - Easy Fast Results - It Works; and It Will Work for You

By Zane Rozzi

Use proven financial principles to transition from working a job to passive income investments. To make the transition, there are no magic investment opportunities and no get-rich-quick schemes. Everyone must learn the basic principles of finance the wealthy apply through their accountants, lawyers, and bankers. In this book, the proven financial principles are described in easy-to-follow advice you can apply every month.

Everyone who is not born into a wealthy family is generally raised in a way that prepares them to enter the workforce and provide labor for the companies owned by the rich. They're taught to pay attention in school, get good grades, find a job, work hard, and save a portion of their hard-earned wages for retirement. Most people wish they could escape the depressing and frustrating cycle of trading their most valuable assets - their precious and limited time on Earth and their youth - for a meager salary. But, they don't know how to escape the cycle while they're still young and healthy enough to make the best of being financially independent. There's an important difference between working for money and having your money work for you.

Many people have gone from broke and in debt to being financially independent by applying straightforward proven financial principles that are available for anyone to use. You can easily join others who've made the right moves and gone from broke and in debt to being financially independent by using the very same proven financial principles. Don't waste time on trendy advice that quickly fizzles out. Instead, learn timeless fundamentals that will always be relevant.

You'll be able to start applying what you've learned immediately after you've finished reading this book by using the example procedures, responses, strategies, behaviors, and action steps. It works; and it will work for you. Read this book, apply the information, and see for yourself.

• Language: English
• Publisher: Zane Rozzi
• Release date: Mar 3, 2020
• ISBN: 9780463584934

Book preview

How to Go From in Debt to Retired in as Little as 12 Years

Everything You Need to Know - Easy Fast Results - It Works; and It Will Work for You

Zane Rozzi

Copyright 2020 Zane Rozzi. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, distributed, or transmitted in any form or by any means, including photocopying or other electronic or mechanical methods, without prior written permission from the copyright holder. Exceptions are made in the case of brief excerpts in critical reviews. The information contained in this publication is made available solely to offer general information of interest. The author and publisher assume no responsibility for errors or omissions. This publication is provided with the understanding that the author and publisher are not herein engaged in rendering medical, legal, accounting, investment, or other professional advice or services. If medical, legal, accounting, investment, or other expert advice or assistance is required, the services of a competent professional person should be sought. Your level of success in realizing results is dependent upon a number of factors including your skill, ability, knowledge, effort, persistence, and a variety of other personal attributes. Because those factors differ between individuals, neither the author nor publisher can guarantee your success or any specific result. You alone are responsible for your actions and results in life and business. Any forward-looking statements contained within this publication are simply opinion and therefore not guarantees or promises of actual performance or results. Neither the author nor publisher make any guarantee you will achieve any specific results. Individual results are not guaranteed and will vary. Any statements or recommendations made by Zane Rozzi are simply his opinion. Such statements and recommendations might have been applicable to Zane’s Rozzi’s specific life circumstances, but may have no relevance to your own personal life circumstances. Determining whether or not any of Zane’s Rozzi’s statements or recommendations apply to your specific life circumstances is solely your responsibility. Zane Rozzi is not responsible for your actions. You are solely responsible for your actions. Your actions in life and business must be based on your own due diligence, not the opinion of Zane Rozzi. Nothing contained within this publication, or any of Zane Rozzi’s good or services, shall to any extent substitute for the sound judgement of the user. Neither the author nor publisher shall be liable for any losses, liabilities, or damages, including but not limited to indirect, special, or consequential damages, resulting directly or indirectly from the use of any information contained in this publication.

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Table of Contents

Being Financially Independent Does not Mean Pinching Every Penny

If You Lost Your Job, How Long Could You Survive?

How to Make Much More Money While You Are Still Young So You Have More Time to Compound Your Returns

Make Money by Investing in What You Know – Whatever that Might Be

The Best Strategy to Get Out of Debt and Stay Debt-Free

The Honest Truth: What Building Wealth Actually Means and How to Do It

To Become a Billionaire in One Generation, You Must Invest with Leverage and Compounding Returns – One Lifetime is Too Short Any Other Way

The Investing Strategy Made Famous by Billionaire Warren Buffett: Value Investing

How to Diversify Your Investments

How to Rebalance Your Portfolio Every Six Months

Why No Matter How Hard Some People Try to Pay-Off Debts and Invest, They Never Make Any Progress, and What to Do About It

Why Most People Should Always Rent Their Home to Build Wealth as Quickly as Possible

The Way Most People Think High-Net-Worth Individuals Live is Wrong

What it Takes to Accomplish Your Goals and Get Everything You Deserve in Life — The End Matter

Being Financially Independent Does not Mean Pinching Every Penny

In my games rooms at my winter home, between the pool table and the foosball table, I have a framed picture of Johnny Cash giving the finger in San Quentin Prison. It’s a famous picture you’ve probably seen before. That facial expression, with your teeth firmly pressed against your lip for the strongest possible enunciation of the sound of the letter ‘F’ is the exact facial expression you need to use, along with flipping the bird, when thinking about the social systems that keep the average person poor.

Being financially independent does not mean pinching every penny, saving everything, and never actually enjoying your money. No one likes a greedy miserly cheapskate; those tightwads don’t even like themselves. Afterall, Dickens’ famous story ‘A Christmas Carol’ about Ebenezer Scrooge teaches kids, if you hoard your money, next Christmas, you’ll be haunted by ghosts and die alone.

Being financially independent is about being able to spend your money on luxury items that improve your quality of life and bring you happiness. A number sitting in a bank account is worthless if you never actually spend it. You should, however, only ever splurge on luxury items that you can easily afford. You must actually have extra money before you go out and spend extra money. An over-indulging idiot with no self-control is just as bad as the Scrooge who hoards gold like the dragon on Lord of the Rings. I think the dragon also dies at the end. So, the moral of the story is, hoard gold and you die.

The average person has very little self-control. Apparently, as soon as they get a little taste of money, it’s impossible to resist the siren call of a car with a bull on the bonnet, a gaudy flooded Rolex, and designer clothes. Valued reader of this fine book, please, once you become wealthy by following the advice in this book, don’t be that clown.

The wealthy do things differently—much differently. But, before we discuss what the wealthy do, we need to discuss what the average person does that keeps them poor.

Everyone who is not born into a wealthy family is generally raised the same way. They are being prepared to enter the workforce and provide labour for the companies owned by the rich. That ensures poor people stay poor and rich people stay rich. The average person is told to pay attention in school, get good grades, get a good job, work hard, and save a portion of their hard-earned wages for retirement. They are told, if they do this their entire life, eventually, they’ll be able to retire comfortably and enjoy the money they’ve put away for the future.

That’s how most people live, so that’s what they teach their children. However, most people despise being stuck in the cycle of trading hours for dollars. They consider that lifestyle far from ideal. Actually, they don’t consider it far from ideal, they fucking hate it.

They wish they could escape the cycle of trading hours for dollars, but don’t know how to do so. We’ll cover that shortly, so pour yourself a mighty generous tequila or glass of wine, put on your most comfy around the house clothes that you would be embarrassed to leave the house wearing, and put your feet up. Your feet will soon be clad in French red bottom shoes.

The average way of life is flawed because of a few major problems. Most notably, you work hard to be fucking poor.

I’d call that a pretty big problem. 

But, let’s discuss this more logically, and in a way that is more about getting real-life results instead of simply bitching and complaining.

The first real problem is, there is a hard limit on how much money someone can earn from a salary. Earnings from a salary are limited by two factors:

The first limit is, a person has only a limited number of hours per day they are able to work and earn money. Adderall might have gotten you through university, but it won’t help you extend your day beyond 24 hours.

The second limit is, an employer is only willing to pay so much for an hour of someone’s time. If you try to ask for an above-average salary, employers will hire someone else instead—someone who is willing to do the job for less. 

Now, don’t be pissed off at your employer for this. That’s smart business management. No one pays above the market rate for the job. I’ve always paid the market rate for labour for my companies. If you decide to start your own business, you’ll do the exact same thing, and you’ll be the evil employer buying champagne and jet fuel from the common man’s hard labour. That’s fucking life.

You have to choose which end of the working hard and champagne drinking equation you want to be on. Be honest. Don’t try to sugarcoat it. Someone is going to be drinking that champagne and burining that jet fuel. It might as well be you. It should be you.

That’s why you are reading a personal finance book, instead of a trashy romance novel that does to men’s personlitites what magazine covers do to women’s bodies.

There is also another problem with trying to retire rich by working for a salary. To retire and live off of your savings, you must save a portion of everything you earn. But, if you simply leave the money you’ve saved sitting in a bank account, inflation will reduce the purchasing power of your savings. A dollar in the future buys a lot less than a dollar today. Inflation increases the price of everything. Think about how much a case of beer and a pack of cigarettes cost back when you were in high school versus the price now. The huge price increase almost makes you want to live a healthy lifestyle.

But, a month after your New Year’s resolution, you get bored, and resume living the good life.

To retire and live off of your savings, you must invest your savings, so your net worth grows over time—instead of just sitting in the bank losing value from inflation. However, no matter what you are invested in, there will be ups and downs in the market. This is the case in each and every market. Interest rates fluctuate up and down. The stock market has ups and downs. The real estate market