Why intelligence trumps both earning more and spending less.

There are only three things you can do to get to early retirement quicker.  They are: earn more, spend less, and get a higher return on your investments.

1.  Earn more.  Let's get real here, if I knew how to earn more then minimum wage ninja wouldn't exist.  It would be called median wage ninja, or slightly below average wage ninja.

2.  Spend less.  Being cheap does not allow you to retire early.  How can you get more cheap then living on minimum wage?  (I'm looking at you, paid survey websites).

3.  Be smart and get a higher return on your investments.  This is the way that minimum wage earners must take.  Right now there is an opportunity out there to double your money.  For example Bank of America was trading around $12 a share around the Brexit buying opportunity, now after Trump has been made President of the United States the shares have skyrocketed to over $24 a share.  That's twice as much.  Beanies Babies, gold, housing, hot wheels, sports cards, shorting the USD, buying Apple stock after the Iphone was created etc, these are just a few ideas off the top of my head that everyone knew about.  If you're not going to double your money in an investment, then why invest in it?  All you need is one good idea per year and you'll be set.  While the rest of the world ties their money up in 'investments' earning a measly 10%, you are looking to earn 100% each year.  That is how minimum wage ninjas compete.


Disclaimer: I own shares in BAC, but I am not recommending buy any or selling any.  I do not own APPL nor do I recommend buying or selling any.  Nor do I recommend holding shares, you're a ninja so figure it out with your intelligence what you should do.

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