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Money & Investing 101
 C ON TE N TS
TABLE OF
3. What is the Minority Mindset
4. Connect with us
5. Disclaimer
6. How does money affect your life?
7. Majority myth
11. Why wealthy? Why not rich?
13. How the majority of people spend their money
16. How the minority of people spend their money
19. How to be financially fit
21. Wait! Before you start investing
22. 5 Ways you can start investing

MIH: Make It Happen

 What is the
Minority Mindset?
The Minority Mindset has nothing to do with the way you look, your
ethnicity, or your skin color. It’s a mindset. It’s the mindset to think
differently than the majority of people and it’s the mindset to defy all
odds.

Why is the ‘Minority Mindset’ so important?

There is a well-loved quote that reads:

The person who follows the crowd will usually get no further
than the crowd and the person who walks alone is likely to
find themselves in a place no one has ever seen before.

If you don’t want to end up like the majority of people, you have to
think different than the majority of people. Unfortunately, most of us
are just taught to follow the traditional system.

The Minority Mindset is here to change that.

Like we say, if you give the majority of people $200, they’ll come back
with a pair of shoes. But if you give the minority of people $200, they’ll
come with $2,000.

The minority of people who break away from what is considered to be

the normal path are often ridiculed and made fun of for being different.

We embrace that uniqueness.

No one is remembered for being average or fitting in. Having the

courage to think independently and being brave enough to do
whatever it takes to MIH (Make It Happen) is exactly what the Minority
Mindset stands for. 3
Connect With Us

Watch Minority Mindset TV

@MinorityMindset @MinorityMindset

Read Our Blog

www.TheMinorityMindset.com
 Disclaimer
Nothing in this eBook is intended to serve as legal
advice. Be sure to do your own research and consult
with a licensed attorney to understand the local rules
and regulations that govern investing in your area.
And speak to a licensed accountant to come up with
the best tax strategy for you.

In this eBook, we are sharing our financial opinions

from our experiences. We cannot guarantee your
success or any results because we can’t guarantee
you’ll take any action. Investing has risks. You are
never guaranteed to make money when you invest.
You might even lose money when you invest.

We care about you which is why we believe in being

100% transparent with you.

5
 How does money
affect your life?
It costs money to eat and it costs money to feed other people.
You need money to survive. Yet, you are never taught about
how money works, how to use your money to generate
passive income, or how to use your money to build wealth.

Instead, if you’re like most people, you’re taught to “not worry

about money” and to just follow the system. That means go to
school, rack up tens of thousands of dollars of debt from
student loans, get a job that pays you peanuts, and live
paycheck to paycheck wondering how some people were
lucky enough to become financially fit.

The truth is, for 80% of people, being financially fit has nothing
to do with luck. It has everything to do with your financial
education.

Money is like fuel. It amplifies who you are. If you give a good
person money, they have a tool to do more good. If you give a
bad person money, they have a tool to do more bad. This is
why you need to understand money and build your wealth so
you can take better care of yourself, your family, and your
community.

6
 MA J OR IT Y
MYT H ( P t. 1 )
“I need to make a lot of
money to become wealthy”
FALSE.
Let’s start by separating fact from fiction.

One of the biggest myths about money is that you need

to make a lot of money to become wealthy. While
making more money can help, the size of your
paycheck will not determine your wealth.

There are three keys to being financially fit. You have

to:

• Spend Less
• Earn More
• Invest like crazy

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 MA J OR IT Y
MYT H ( P t. 2 )
Did you notice that earning more money is only one
part of the equation?

It’s not how much money you make, but what you do
with the money that will ultimately determine how
wealthy you become.

If the size of your paycheck was the ultimate factor of

your wealth, you wouldn’t have 70% of lottery winners
going bankrupt.

You also wouldn’t see 80% of NFL (National Football

League) players going broke or bankrupt within just two
years of leaving the NFL.

8
 MA J OR IT Y
MYT H ( P t. 3 )
Likewise, if the size of your paycheck was the ultimate
factor of your wealth, you wouldn’t have people like Earl
Crawley who was a parking lot attendant earning no
more than $20,000 a year sitting on an investment fund
worth over $500,000 a year.

Yes, you read that correctly. Earl earns less than the
majority of people in America, but is worth more than
90% of Americans.

[Watch this YouTube video to see how Earl did it]

How? Because he learned how to use his money like

wealthy people do.

And that’s exactly what your goal is – to learn how to

use your money like wealthy people. This way you can
build your wealth and start living the life you’ve been
dreaming about.

9
 NOTE:
Anyone can build wealth, but it’s not easy. It
requires a lot of discipline, sacrifice, and
dedication.

If you’re not willing to put in the work to fix

your finances – you should stop reading this
eBook right here so you don’t waste more of
your time.

10
 WHY WEALTHY?
WHY NOT RICH?
Pt. 1
When you think of being
‘rich’ what do you think of?
Fancy cars?
Private yachts?
Expensive jewelry?
When people think of being
rich they often associate it
with owning a bunch of
flashy things and living
large.
While there’s nothing wrong
with living large, that’s a
secondary part of being
wealthy.
When you’re wealthy, the
primary concern is to live
free. The secondary
concern is to live large.
A free life is one where you
don’t have to worry about
how you’re going to pay
your bills. You don’t have to
beg your boss to get a
vacation.
And you have the ability to
afford all the nice things you
want, without worrying about
the price tag.
It’s easy to look rich.
11
 WHY WEALTHY?
WHY NOT RICH?
Pt. 2
We are living in a debt
culture where it’s completely
normal for someone to make
$1 and spend $2 with credit
cards, financing, and lines of
credit.
The majority of people drive
cars that they can’t afford,
they live in big homes that
are out of their budget, and
they live a lifestyle that is
way beyond their means.
That’s why 80% of
Americans live in debt.
Looking rich is very different
than being wealthy.
Bankers love helping people
look rich because that’s how
they get wealthy.
But looks can be deceiving.
Living a wealthy life where
you can afford your dream
car without worrying about
the price and without having
to make payments is
achievable.
But you’ll have to become
financially literate so you
can use your money as a
tool and not like a fool.
That’s the wealth you’re
working for.
12
 E M A JO R I TY
HOW TH
OF PEOP L E S P E N D
ON E Y ( P t. 1 )
THEIR M
The majority of people make money from their job. Then
after paying their taxes, they spend whatever is left on
consumer expenses. Consumer expenses are things
that lose value and that don’t pay you. Some common
consumer expenses include your clothes, your car, your
TV, and entertainment such as going out to the movies.

But it doesn’t end there.

Banks saw this consumer mindset as an opportunity to

lend huge sums of money through credit cards and lines
of credit. This lets the majority of people live a much
larger lifestyle today, but it comes at a cost. A very
expensive cost.

Financing consumer expenses is the number one

reason why the majority of people will never build wealth
because you are financing things that are losing value.

When you live with this consumer mindset, of working

just so you can pay off your fancy lifestyle, you’re
playing the payments game and you never have a
chance to get ahead financially. 13
 E M A JO R I TY
HOW TH
OF PEOP L E S P E N D
ON E Y ( P t. 2 )
THEIR M
It’s called a rat race because you’re always working for the next
paycheck.

You have to keep spinning your wheel faster and faster to keep
up with your payments, but you get nowhere. No matter what you
do, you can’t seem to get ahead financially.

You’re stuck playing catch up.

Here’s the reality: the solution to 90% of money problems is not

to make more money.

Why?

Because when the majority of people get a raise, they want to

show it off with something like a fancy car. And banks are
standing by waiting for you to ask for a loan. That’s why when the
majority of people make more money, they end up in a bigger
financial hole than they were in to begin with.

So what is the solution?

Financial education. If you know how to use your money and

build your wealth, you can play a different game.

Here’s a graph showing how the majority of people spend money.

14
 E M A JO R I TY
HOW TH
OF PEOP L E S P E N D
ON E Y ( P t. 3 )
THEIR M

CE = Consumer Expenses
 E M IN O R I TY
HOW TH
OF PEO P L E S P E N D
E Y ( P t. 1 )
THEIR MON
The minority of people use their money very differently.
They don’t save and invest whatever is left after
spending money on consumer expenses.

They spend whatever is left after saving and investing.

The minority of people use their money as a tool to
build their own wealth first by buying investment
seeds that pay them.

What is an investment seed?

An investment seed is something that you buy for the

sole purpose of making money. Some of the most
common investment seeds are:

• Stocks
• Bonds
• ETFs
• Real estate
• Commodities
• Starting a business
• Being a private money lender
16
 E M IN O R I TY
HOW TH
OF PEO P L E S P E N D
E Y ( P t. 2 )
THEIR MON
Why are they called ‘investment seeds’? Because
investing is just like planting a seed.

You put in the work to plant and nourish the seed in the
beginning. If you do this correctly, your seed will grow
and you will be able to live off of the fruit that comes
from your investment seed.

Your goal should be to invest in investment seeds that

pay you with passive income. More on this is coming.

Now your money is being used as a tool to make you

wealthier instead of broker.

Before, your money was only being used to buy and

finance consumer expenses. These things lose value
rapidly, and they don’t pay you for owning them.

Now, instead of trying to buy the fanciest cars and

clothes, your goal should be to buy as many investment
seeds as possible. By doing so, your money is acting
as a magnet to attract you more money, even when
you’re sleeping. 17
 E M IN O R I TY
HOW TH
OF PEO P L E S P E N D
E Y ( P t. 3 )
THEIR MON

CE = Consumer Expenses
IS = Investment Seeds
 HOW TO BE FINANCIALLY FIT (Pt. 1)

The minority of people understand that time is your

most valuable commodity. Your time is limited and you
can’t create more time. So, financially speaking, it is
expensive to not make the best use of your time.

The majority of people sell their time for money. Then

they use their money to buy (or finance) consumer
expenses which are things that just eat your money.

That’s bad financial planning.

We all only have twenty-four hours in a day. You need

to sleep, eat, and spend time with your family. You can’t
physically work twenty-four hours a day.

That’s why the minority of people let their money make

them more money by buying investment seeds.

If you own investment seeds, your money is working to

attract you more money twenty-four hours a day, seven
days a week. Your money doesn’t need sleep, it doesn’t
need rest, and it doesn’t need to eat. So your money
can work around the clock.

19
 HOW TO BE FINANCIALLY FIT (Pt. 2)

This is why investing for passive income is the real

secret to building wealth and living free (although it’s
not really a secret anymore).

You can start investing your money to buy investment

seeds even if you don’t have a lot of money to invest. In
fact, you can start investing with as little as $100.

What you need to understand is that being financially fit

is a lifestyle. It isn’t something you can do when you
feel like it.

So how do you live a financially fit lifestyle?

Well, like we said earlier, there are three keys to being

financially fit.

Spend less. Earn more. Invest like crazy.

The more money you keep in your pocket today by

spending less and earning more, the more you’ll have
to invest in investment seeds that pay you with passive
income.

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 WAIT!
BEFORE YOU START
INVESTING…
Before you start investing your
money in investment seeds, you
need to make sure you have
created a financial base.
Think of it like building a house
without laying a foundation. If your
house is built with a shaky
foundation, your house won’t be
very stable.
There are three things you need to
do to create your financial base
before you start investing in
investment seeds:
1) Save $2,000 for emergencies
2) Pay off your high interest
debts (costing 12% or more)
3) Put aside $500 to invest
If you don’t have a minimum of
$2,000 saved for emergencies,
you are at risk of going into debt.
Emergencies should be expected.
People get sick, cars break down,
and furnaces stop working. You
don’t want to be in a situation
where you have to finance your
car repair.
Once you save $2,000 then it’s
time to pay off your high interest
debts that are costing you 12% or
more in interest annually. You
must do this before you start
investing.
Why?
Because it doesn’t make sense to
invest your money and get a 10%
return if you have to pay 15% in
interest on your credit card bill.
After you complete these two
tasks, then put aside $500 to start
investing. Now you have created
your financial base and are ready
to start buying investment seeds.
 5 Ways You Can Start Investing
In Investment Seeds

The simplest way to start investing is by paying off your

remaining debts.

Paying off your debt gets you a guaranteed return on

your money because when you pay off a loan early, you
pay less interest so you get to keep more money in
your pocket.

And now that you get to keep money in your pocket,

you have more money to invest in other income
producing investment seeds.

22
 5 Ways You Can Start Investing
In Investment Seeds

The second way you can start investing is by investing

in the stock market.

When you invest in the stock market, you make money

when the company you invest in grows. So, if you buy
one share of McDonald’s stock, you become one of the
owners of McDonald’s.

Obviously, you don’t get to tell McDonald’s how to run

their business, but you get to share in the profits when
McDonald’s makes money.

Do you see the mindset shift? Now, instead of being on

the consumer side of the equation of just spending your
money at McDonald’s, you are on the producer side. If
lots of people spend money at McDonald’s, you profit.

Investing does come with risks though. If McDonald’s

files for bankruptcy, you would lose the money you
invested.

The stock market allows you to invest in publicly traded

companies. These tend to be large multi-billion dollar
corporations.

23
 5 Ways You Can Start Investing
In Investment Seeds

The third way you can invest is by buying real estate

investment properties.

Now, instead of buying a house for yourself to live in,

you are buying real estate for other people to use.

Everyone needs a place to live, companies need office

space, parking lots need land, and stores need retail
space. You can be the provider of this real estate, and
in exchange, your tenants will pay you rent for using
your property.

Before you invest in real estate, be sure to speak to a

real estate attorney in your area to understand all the
local laws and regulations that govern real estate
investing near you.

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 5 Ways You Can Start Investing
In Investment Seeds

The fourth way you can start investing is by investing in

your mind.

This includes buying books or online courses that will

further your financial education or business knowledge.

We are living in a digital age where you can learn

anything you want with just a few clicks. There are
online courses that can help you learn exactly what you
want from the convenience of your home.

But remember, it isn’t what you know that matters, it’s

what you do with what you know.

So make sure you take action with your financial and

business education.

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 5 Ways You Can Start Investing
In Investment Seeds

And fifth, start investing in your own business.

We talked about the stock market being a tool for you

to invest in other companies. Well, instead of investing
in someone else’s business, you can invest in your
own. If you have a business idea, this is your chance to
pursue it.

No one will care about your money the way you do.

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Money & Investing 101