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Money & Investing 101
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What is the Minority Mindset 3
Connect with us 4
Disclaimer 5
How does money a 6
Majority myth 7
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5W 18

MIH: Make It Happen

WHAT IS THE MINORITY MINDEST?

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
when it comes to your money.

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 differently 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.

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 CONNECT WITH US

Watch Minority Mindset TV

@MinorityMindset

@MinorityMindsaet

BLOG

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. Always do your own due
diligence.
We care about you which is why we believe in being 100%
transparent with you.

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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, most of us are
never taught about how money works, how to use money
to generate passive income, or how to use 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 90% 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.

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MAJORITY MYTH

“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 whether or not you become wealthy.
There are three keys to being financially fit. You have to:
• Spend less
• Earn more
• Invest like crazy
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.
Likewise, if the size of your paycheck was the ultimate
factor of your wealth, you wouldn’t have a “movement” of
high income earners who are broke called HENRY.
You can watch this YouTube video to see it.
And 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.

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MAJORITY MYTH

Yes, you read that correctly. Earl earned 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 should be – to use your
money like wealthy people. This way you can build your
wealth and start living the life you’ve been dreaming
about.
NOTE
Anyone, no matter your circumstances, 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 financ-
es – you should stop reading this eBook right here so
you don’t waste more of your time.

When you think of being ‘rich’ what do you think of?

Fancy cars? Private yachts? Expensive jewelry?
When most people think of being rich they often associ-
ate it with owning a bunch of flashy things and living large.
While there’s nothing wrong with living large, that’s a sec-
ondary part of being wealthy.
When you’re wealthy, the primary goal is to live free. The
secondary goal 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.

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WEALTHY?
WHY NOT RICH?
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.

they live a lifestyle that is way beyond their means. We

call it ‘fake rich’.
That’s why 80% of Americans live in debt.
But looking rich is very different than being wealthy.
Banks love helping people look fake rich. But looks can
be deceiving.

without worrying about the price and without having to

make payments is achievable.

can use your money as a tool and not like a fool.

That’s the wealth you’re working for.

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HOW THE MAJORITY OF PEOPLE
SPEND THEIR MONEY
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 liabilities
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. If
you finance a $2,000 TV, you will pay $3,000 to own a TV
that you will only be able to sell for $400.
When you live with this consumer mindset, of working to
pay off your fake rich lifestyle, you’re playing the
payments game and you never have a chance to get
ahead financially, let alone build wealth.

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HOW THE MAJORITY OF PEOPLE
SPEND THEIR MONEY
It’s called a rat race because you’re always working for
the next paycheck just so you can pay off the things you
couldn’t afford in the first place.
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 or a
bonus, they want to show it off with a fancy car or a trip to
the Bahamas. 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.

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HOW THE MAJORITY OF PEOPLE SPEND THEIR
MONEY

CONSUMER MINDSET

CE = Consumer Expenses
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HOW THE MINORITY OF PEOPLE
SPEND THEIR MONEY
The minority of people use their money very differently.
They don’t save and invest what’s 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

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 and if
you do this correctly, your seed will grow and you will be
able to live off of the fruit that your investment seed
produced.
One thing you can do is 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.

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HOW THE MINORITY OF PEOPLE
SPEND THEIR MONEY
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. This way, your money is acting as a
magnet to attract you more money, even when you’re sleeping.

INVESTOR MINDSET

CE = Consumer Expenses
IS = Investment Seeds
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HOW TO BE FINANCIALLY FIT

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 (and 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, even if you’re not.

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HOW TO BE FINANCIALLY FIT

This is why investing 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

There are three things you need to do to create your

seeds:
1) Save $2,000 for emergencies

3) Put aside $500 to invest

Why?

credit card bill.

base and are ready to start buying investment seeds.

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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.

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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.

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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.
So even if you’re vacationing in Hawaii, your rent checks
will keep coming in because you own an investment seed
that’s paying you with passive income.
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 fur
ther your financial education or business knowledge.
We are living in a digital age where you can learn anything
you want from experts 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 busi
ness 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. And
now, you’re going to be working to grow your money.

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GET RICHER
SLEEPING
Money & Investing 101