There are over 18.6M Millionaires in the USA; making up 40% of the worlds population. There are roughly 2,208 Billionaires in the world with 558-658 in the USA. So is it plausible to become a millionaire are even a billionaire? I say yes and no. For the majority of people obviously hell no. You're more likely to win the lottery or be struck by lightning than becoming apart of the <1%. But despite the odds, thousands become millionaires every day. And a new billionaire is spawned every few days. So then my question for you is why not? Why doubt me or even yourself. I have to mention I don’t care about money contrary to belief. I’m a pretty simple and minimal person. I don’t have much and don’t want much. Not a big car guy, I’m not showy, and I tend to look as simple as possible. My life revolves around 3 main addictions Coding, Investing, and working out. Thus my first 2 addictions are what the focus is on. Investing has become an addiction for me. I’m at a point where I invest 90%+ of any money I receive. More on this later. Alright so without diving too deep let's look at how a person creates their billions. Below I have listed “all” the ways someone can invest to become a self-made Billionaire. I'll dive deeper into theses in another article. Notice there’s no mention of a job, no 9 to 5, no pyramid BS, or any 6 figure a year careers, etc. Although if you're investing the 6 figures you’ll get their odds are in your favor. Investments: Stock Market Stocks - Buying a share of that company’s earnings and assets. Bonds – Buying these allows the bond issuer to borrow your money and pay you back with interest. Mutual Funds – Glorified “expert” invest your money in stocks, bonds, or other assets. Hedge Funds – Similar to mutual funds but riskier in exchange fir extreme growth prospects. Robo-advisors – Software invests your money in stocks, bonds, or other assets. Index Funds - A type of mutual fund that passively tracks an index, rather than paying an “expert” to pick and choose investments. Exchange-traded funds – Trades like stocks; tracks and mirrors an index performance. Options - A contract to buy or sell a stock at a set price, by a set date. Real Estate - Buy Property, land, etc, to then rent out or resell. REIT’s: Real Estate Investment Trusts - Instead of buying your property you work with a company that earns profit from its real estate investments. Commercial Retail Office Industrial Multi-Family Residential Residential Single-Family Rental Property Section 8 Rentals Vacation Rentals Small Multi-Family Fix and Flip Land Commercial development Residential development Farming Mining Valuables - An investment if the intention is to resell them for a profit. Metals Art Collectables Etc. Commodities - Investing in some sort of resource that affects the economy. Oil Energy Technology Coffee Etc. Business - Putting money or time toward starting your own business. Service - Type firms offer professional skills, expertise, advice, and other similar products. Merchandising - Buys products at wholesale prices and sells the same at retail price. Manufacturing - Buys products intending to use them as materials in making a new product. Hybrid – A combination of the 3 Personal Brand Earnings Royalties - Payment made to another that owns a particular asset (the licensor or franchisor), for the right to ongoing use of that asset. Ownership Sports team ownership Business ownership Venture Capital – Investing in a startup or small business, with the expectation that it will grow, and you'll get a return on that money. If you were to name any self-made billionaire I guarantee that person will fit in 1 or more of the categories listed above. Let me know below if you come across any billionaire who doesn’t fit in any of the categories. Again I’ll explore these in more detail in the next article. At this point, you can see I at least have an idea of what I’m talking about. There’s, even more, to be listed if your aiming to become a millionaire. Some may say there are infinite ways to make money; I agree. So here is what I’m currently investing in and how I aim to become apart of the <1%. Feel free to borrow some of my planning for your wants and needs. Here is my 3 part investment strategy. Stock market Stocks Bonds Robo-advisors Index funds ETF’s Options Commodities Oil Energy Technology Real estate REIT’s Commercial Residential Land Business ventures (hybrid) Business Aviyon Sales Merchandising Clothing Vending Hedge fund Property Management Personal brand Kodoninja Royalties These are my investments which I intend to detail thoroughly in multiple parts. To pick back up on my addictions I invest and code a lot. I have very little in cash because it is automatically invested moments after I receive money. It has become a sport for me researching and investing large sums of money into the market. 90% invested 5% saved then 5% for any bills, food, and essentials. Since I live so far below my means I can get away with investing so much. Several thousand is invested each month and I live off of pennies. You can even say I barely get by. The bulk of my investments are spread out though Stocks, Bonds, ETF’s, and index funds. From different brokers and banks, I keep three main accounts one for a Robo-advisor one based on my research and one for trading. There are also miscellaneous accounts for Roth IRA’s Etc. And I never keep a savings account I consider them useless for me; including CDs. I use checking accounts, bills, and essentials. Some people may swear by a savings account. But a 0.01 to 3% interest is nonsense to me compared to the amount received from dividends, investing, and active trading. The returns are always reinvested back into the market, real estate, or other business ventures. I can go deeper into the stock market in other parts maybe even a series. For real estate, I haven’t yet gotten too deep. However, I will be starting a property management company, etc. this year. This has just been mainly REIT’s and soon rental property investing. Given all this, the main goal is to take S-Corporations public. That’s right I intend to go public very soon but not too soon. I’m also intending to sell smaller companies and software owned by the company I’m taking public for several million. As well as selling other projects I’m working on. And receiving royalties on everything sold. The first company I intend to IPO is called Aviyon. Check it out in detail at https://www.aviyon.net/ this has been quite the endeavor for several years and is shaping up to be quite the juggernaut. I pay myself $1 a year and will continue to do so to ensure its success and my net worth. You're probably thinking how on earth can he possibly become wealthy making $1 a year. It’s simply the amount I could be paying myself is reinvested into the company. I maintain 100% ownership, 100% rights of everything. It is the value of the tens of millions of shares that I own that matters. Through various stock splits and the addition of millions of shares pumped back into the market that creates true wealth. The millions of shares I own now will increase in value. (example) Eventually, I’ll have over 100,000,000 shares valued way over $10 a share. The more that’s in the company portfolio the more it will increase the company’s stock value and earnings. Each quarter we plan to release new software, apps, or updates creating a better experience. New methods to bring in more money is constantly generated. The companies portfolio will consist of social networks, online stores, apps, software, etc. Constantly building and reinforcing its portfolio. This is a high-profit little debt strategy that works. Each entity is self-managed. The users create the content all Aviyon does is maintain and build the software better. I was able to create so much on my own with little to no capital. Hence my first addiction; coding. I love to code and create software, doesn't cost me a dime and the turnaround is monumental. The company has a small team and hedges on remote contractors and freelancers which reduces the cost substantially. 95% of the work is created in-house among a few and the rest is outsourced. Regardless this is how I intend to be apart of <1%. By sheer hard work and perseverance. I’ve spent years studying, investing, and creating mountains of code and software. This company, as well as my ownership of many others, will get me where I want to be. My value will be determined by my net worth. And my portfolio and catalog are looking quite monetary. The investments, the business, and real estate will propel me to insane heights. Keep an eye out for the other parts as I dive deeper into detail on how I’m going to do it with businesses. I believe you can as well; it takes time, it takes years, sleepless nights, and sacrifices are made every day to edge the dream closer. No BS was mentioned no pyramids no get rich quick schemes. Just a plethora of planning and risk-taking. Check out https://www.aviyon.net/ and research the business. Take a look at my other articles. Become motivated to learn how you can have your financial freedom. For most what I listed above has somewhat gone over your head. Your immediately doubting me, the methods, and hoping to GOD I fail. Don’t take my word for it research several billionaires, their habits, read books, my references, etc. You're more than likely unhappy living paycheck to paycheck struggling to make ends meet. Hanging on to your job by a thread; that is if you haven’t lost it already do to COVID-19. Most of us reading have never had a whiff of any amount near the ballpark of a hundred thousand. That’s okay, don’t let hard time, statistics, and someone else's opinion discourage you. Let this article motivate you to research down the rabbit hole of the infinite possibilities of becoming financially free.

Leveraging your 9 to 5  Whether you're a real estate agent, a barista at Starbucks, or an employee at the ice cream factory. You may consider leveraging your earned income. Living off the money earned from your job and the invested money made from it. Note! If you're the comfortable type who is happy with your job, getting paid regularly, with health, dental, and vision benefits. You may not want to entertain the thought of investing, trading, or starting a business. Nothing is wrong with this option, sometimes playing it safe may be the best option. Furthermore, you may have a nice place, being paid just enough to afford rent/ mortgage, a few cars, and a few property upgrades. Life is good! It's safe, scripted, and comfortable. You don’t need to take a risk, everything just works, living out the same routine. You have hobbies but no purpose. Your goals are forgotten, your dreams are slipping by. And every day you become older with your life revolving around your job. However, my approach is one of leveraging my remaining earned income. Method 1 When doing this it's important to outline your expenses perfectly. We need to understand where the money goes perfectly. For instance, let's say we take in $3,000 monthly after taxes. You have rent or mortgage do which is $1,050. That leads us to $1,950, if you have a car payment then let's subtract maybe $300 monthly. We have $1,650 maybe another $500 in bills, $1,150 is what we're left with. Let’s take out another $150 for food leaving $1,000. This will look different for everyone maybe you're left with more maybe less. Nonetheless, let’s figure out what to do with the remaining $1,000. Whether you have Fidelity, eTrade, Chase, etc. I choose to do my direct finances in investment accounts. Any money I choose not to move is left in to gain interest and used to be held in bonds and reliable blue-chip stocks like Tesla. Over a thousand will be split and sent to various accounts like TD Ameritrade Webull and eTrade for swing trading. This process will be detailed in another article. But I usually prefer to swing trade in accounts under $25,000 and I have two accounts over $30k I use for day trading.  Method 2 Extremely similar to method 1. The main difference is to have a base of at least $3,000 in your spending and bill account at all times. When trading makes sure to take profits from your trading accounts to refill your spending and bill account. So you’ll always have money for bills and expenses. The caveat to this is that your account needs to be large and stable to make enough profits to refill that account. Any leftover profits can be used at your discretion. For me. I use it for reinvesting and growing my trading accounts larger. The larger the accounts, theoretically more money can be made. More money means larger trades and higher yields. It takes practice to perfect trading. Take it slow research swing trading to grow your accounts large enough to day trade. When things are well you can average anywhere from an extra $100 to $5,000+ a month. Take it slow. Grow it little by little until you feel comfortable to withdraw from them. It’s easier for this to happen in larger accounts. In the beginning, continue to divide portions from the remaining expenses in your earned income. Grow these accounts large enough to make a decent profit after each trade. Reinvesting in your business  Since I’m able to live on my (leveraged) job income, every penny of business income gets to be reinvested. In the beginning, I used portions of the leveraged profits to start and fund my business after it stabilized. I live by keeping my business money and earned income separate. I’ve never used money made from businesses for myself. Not even living expenses. Thus I don’t have any immediate intentions of giving up my day job. While others are favoring their jobs, moving up the ladder. I use a job as a tool so that I may grow in business, and live worry-free. I’m at a job for a check, not make friends or fit in. I won’t go into much detail on the business, but I’ll briefly explain the process. There’s an online sales, reselling, and drop shipping bushiness existing with their domains including various consumer-to-consumer platforms such as eBay, Amazon, and Etsy… When the product is sold I can buy more products at larger bulks, larger crates, and more frequently. My goal is to match the demand with more surplus and offer more variety through the various stores. Revenue will rapidly increase at a multiplied rate since I can reinvest 100% of its income. I soon plan to buy a warehouse to house even larger quantities, and order by the truckloads. I’ll hire more help when rapidly expanding to help the demand, marketing and shipping speeds, etc. I'll still be at my day job long after so I may continue to follow my 100% reinvestment plan. I’ll quit my job at some point but it’s in no nearby plan at the moment. However, I will leave the more physically laboring job I care very little for. For a more related one such as all-in on YouTube, freelance, and even personal training. All of which will cover my living just as well. Conclusion Live your life however you see fit, where all different with varying goals in life. Some people choose to live safely in their view of the “American Dream”. Others choose to maximize the full benefits of capitalism, living life more as a producer rather than the consuming masses. Earned income is good when society is functioning properly ie pre “2008 crash” and post COVID-19. Being safe and dependent relying on your employer may not be for the smarter risk-taking man. Leverage your money, create a business or just have a little more set aside for however you see fit. Safe hasn't been safe since the 60’s wake up, learn to make your income.

You may have heard of them, but you may not be exactly sure what they are. And if you have heard of them, you may have also heard of NFT’s like the 1 of 11 piece collection from Beeple which sold for exactly  $69,346,250 on Christie’s. Yep! That’s $69.4 million in total. So IDK about you but I was able to bring up the artwork on Christies, inspect the element, grab the image URL and download the entire collection for free. But Ironically enough that’s not the point. The buyer has the real deal and what I have is worth absolutely nothing. So why you may ask? Why can the original digital art like this one, or any other artwork be sold for tens of thousands or millions? Especially when they can be so easily replicated or taken. Doesn’t make any sense or does it. These are the questions that we’ll explore as we dive into the rabbit hole of blockchain cryptocurrencies and NFT’s. But first. What is NFT’s? These are Non-fungible tokens, cryptographic assets existing mainly on the Ethereum blockchain. Each work of art has a unique identification code and metadata. So Non-fungible means Non-replaceable it cannot be replaced or replicated. The token is the currency exchanged through the blockchain. Every transaction and exchange is seen publicly across the world. Everything can be seen traced and validated. In essence, this is no different than a collector owing an original pair of Micheal Jordan’s game shoes. Or a collector owning an original painting from Jean-Michel Basquiat. We know the work of art is the real deal 1 of 1 and the artist or creator still maintains all the intellectual and creative rights to the creation. So like owning the pair of shoes or that Basquiat, the buyer is purchasing to own an original work of that particular artist or individual. The cool thing is the artist will always get a cut of the sales as the NFT are sold and resold over time. This directly supports the creator that you admire. With that said this is a fairly new form of investing and is seen as speculative since it may or may not be sold at a profit or break even later on. Recovering your cost, making a profit completely depends on the buyer and the selling factor of the NFT. Another benefit to the artist is that the artist retains ownership of reproductive rights. So even if you right-click the owner has rights to this as well. Why would I buy NFT’s? Outside of the bragging rights and social status that owning the real deal carries. These can be collected, adhering to a following to demand a price increase. But we’ll be focusing on buying and flipping for higher prices and holding to gain. So… flipping NFT’s. I again will say this is a very risky investment. If you are one of the special ones who purchased Logan Paul’s NFT cards worth tens of thousands to millions this can be a bit tough to recuperate your cost for reselling, or not. It all depends on the buyer and the socially constructed demand that gives it value. my first NFT goes live in 1 hour, 3000 available, buyers entered to win one of three 1st Edition Pokémon Packs (~$40k) AND be flown out to LA for my box break on February 27th... let’s fkn go ?https://t.co/GzvnhPzNWO pic.twitter.com/HpL6QCxz9G— Logan Paul (@LoganPaul) February 19, 2021 On the other hand individuals like Logan Paul who invest millions in NFT’s have been able to profit quite a bit making over $535k in profit over a single NFT.  speechless againwoke up this morning to see my @worldofwomennft sold for 200 Eth ($765k) to @thesandboxgame$535k profit. normally id say probably nothing but this is probably something ? pic.twitter.com/JJytuWzOa8— Logan Paul (@LoganPaul) January 5, 2022 If you like me and don’t have a spare $10,000 to buy an NFT you are in luck. My approach on the OpenSea is to buy NFT’s that are only worth a few dollars to thousands to make a decent profit. Thanks to the growing popularity many artists from around the world can sell their work as NFT’s to gain money over its life. That means not all NFT’s are going to carry a hefty price tag they’ll be much more in the realm of purchase due to its demand. Maybe Fractional NFT’s? Like buying fractional shares of a single high-priced stock or crypto. The same can be accomplished with these. Fractional Nft’s have been broken down to be sold into individual pieces. So when you purchase a portion of the NFT, you only buy a portion of its overall value. Just like buying a fractional share of Bitcoin. So imagine if you were a part buyer in a NFT that sold for over USD 3.2 million. That’s a big payout, right? More information on the Zombie CryptoPunk that had over 480 buyers when it was sold can be found in that link. If you do take part in something like this, you’ll receive tokens representing your share in the artwork. Sell that share for higher when the time arises. Check out these platforms that allow you to do so. 1. https://fractional.art/ 2. https://www.partybid.app/ Conclusion Nft’s are fairly new and ever-growing in popularity. Creators and artists are making quite a living making a few hundred to millions for their single-piece artwork and collections. You can find almost an endless stream of success stories regarding the creation and sale of NFT’s just by googling NFT. More importantly, NFT’s aren’t just artwork. It can be just about anything (I mean anything!). They can be a tweet, post on any social platform, animated gif, video, image, website, app. If it can be created digitally and can exist on the blockchain it can become an NFT, including the very platform that you're reading this on.  This topic is so vast and complex I don’t want to cram it all into this single article. The advancement and evolution of digital ownership are ever-growing. The Metaverse, web 3.0, and yes the kodoverse is where it will have the greatest impact on creators in virtual sellers and buyers.  This is all new and it's only going to get crazier and better for everyone. But because it is new it inherits a wider variety of risks. And with that risk, this doesn’t mean that you shouldn’t join in on the craze and cash out on all the hype. With crypto, there is a risk, with stocks, bonds, futures, or even investing into a rental property. It all has risks. The fictionalization of NFT’s or so new I bet most reading this didn’t know you can even invest in fractional shares in these.  Create a crypto wallet if you haven’t done so already. Link your wallet to OpenSea & fractional.art and get started. Do a bit of research before you enter, but don’t overanalyze. Just do it. If you haven’t even started and crypto itself well then CoinBase & BlockFi will be a good place to get started. 

If you're a long-term reader of kodoninja you know investing and trading is a big part of what we do here. So where do you start if you want to begin your investment journey? I have a few options for you. But first, lets address the elephant in the room. We all start the race in different places, some may have a few dollars, a few hundred, or thousands. Regardless of where you're starting the race, these apps will help you get started. Depending on how much money you're starting your accounts with; or where you are located this will limit what you can do, like day-trading or shorting stocks. We are focusing on investing, however, if you wanted to day trade, you’d need an account minimum of $25,000. That’s 25k minimum after each trade. No worries if you wanted to day-trade there is an overseas-based platform that goes around the Pattern Day Trader rule… However, if you like most who cannot get started with $25,000. We can easily grow your accounts with swing trading. Next to day trading, this is my second favorite form of trading. It doesn’t matter how much you start your account with, there aren’t any limitations regarding swing trading, as long as you exit the trade a day or two later. Alright, so you have your seed money now which apps are good for beginners? I’ve listed some of my favorite go-to apps that I use regularly. But before you even get started I hope you’ve at least watched a few YouTube videos, and maybe a book or two on investing and swing trading. The risk can be multiplied if you go in uneducated on investing. Beginner 1. Webull Webull is my favorite out of everything I’ve tried. This platform is loaded with all kinds of analytical charting and measurements to help you make the best trades possible. The stock screener, in my opinion, is one of the best and closely relates to StocksToTrade my go-to stock screener for years. 2. Moomoo Moomoo is new to me but so far this app seems to be amazing. Very similar to Webull this app comes loaded with all kinds of charting software to ensure you make the best trades possible. May I also mention like Webull, Moomoo also has an amazing desktop and app platform. 3. E-Trade E-Trade has been around for quite some time… It offers everything you’ll need in a trading platform. It’s even a bank I have a checking and debit card from e-trade, along with a Robo-advisory account, and a few more accounts I use for trading and investing. 4. M1 This one is a bit more unique out of the ones mentioned on the list. There is no desktop version but there is a powerful mobile app that allows you to see and manage your investments at a glance on a pie chart. The pie chart from M1 Finance makes it so much easier to manage just how many shares you have invested in any given stock. They offer fractional shares which allows you to stretch your money so much further. 5. Robinhood Despite the mainstream controversy with GameStop, this is a pretty amazing app. Like e-trade and M1 Finance. You have an option to have a debit card linked to a checking. This is such an amazing feature because If you like me and love to spend money made from your trades. You can sell full shares of your stocks or fractional shares. Then spend that money on your card. Conclusion Alright, so I gave you a few options you’ll want to choose to get started with your investment journey… I have everything mentioned in the list above. Of the accounts mentioned above, I only have thousands invested in these mainstream platforms. One thing I love to do is start new accounts within the same platform, no more than a few hundred, then grow them. All my accounts started from a few hundred and have grown to what they are now. If you follow me closely you know I don’t like to own anything and am working towards starting my own holding company to hold my assets beyond my monthly expenses. Since I started all my accounts under $25,000 I couldn’t do day-trading in the beginning so I relied on swing trading and lots of it. Once those accounts exceeded 25k then I could day-trade freely. Although many use these platforms for day-trading. I only use the mainstream apps for supplemental investing. The approach I took was different on each account. But I diversified in some shape or form. We’ll get more into trading methods in a guide. But for now, I recommend you research swing trading, & blue chips.

Congratulations, you’ve successfully saved up to $1,000. So now that we have some money saved, let’s find out some ways we can grow our money. There are so many options that you can take. However, if you're here I bet you want to invest the money you’ve worked so hard to save. So how exactly do we get our 1k to bring in more friends just like it? I’ve compiled a list of 7 methods you should take to grow your money. 1. Swing-Trading This one may not be for everyone, but is my favorite out of the 7 listed. Swing-Trading is essentially going into a trade waiting a day or so then exiting that trade for hopefully a profit. I said hopefully because no trade is guaranteed. For this one, you’ll have to ask yourself how much risk you’d like to take. You can either go all in on one stock to hopefully double your return. You can take the smarter less risky approach and diversify that $1,000. $1,000 may be a lot but it isn’t that much. Try looking for stocks under $5 but no lower than $.1 these are considered penny stocks. If the low end isn’t your thing try looking for popular blue chip stocks like Apple, Tesla, Amazon, and so on. Blue chips like Best Buy and Blackberry are also in a good price range. So there are reliable cheap options. For extremely expensive ones try going with a broker that allows for fractional purchasing of stocks. Here are a few popular ones I like... Webull Robinhood Fidelity 2. Investing I hope you are in no need of your money right away because this method WILL take a while. Investing is a good way to build your net worth over the years. For this option diversifying will be the best option to take look for. There are options you can take while keeping your money invested until it's the appropriate time & age to withdraw. But let’s focus on short-term methods. Below are 6 forms of investing I’d recommend investing your $1,000 in. Stocks – These are typically shares or equity in a publicly traded company. This is usually the simplest form of investing. Buying when the price is a low bear market and selling when the price goes up in the bull market. Since we're working with a low entry amount I recommend sticking with variations of this simple strategy. Shorting, and using margin will not be available and or not advised. The risk is higher of being margin called on smaller accounts. Especially when you're new and inexperienced. So id says to go with cash accounts at least in the beginning until you get the hang of It. Margin accounts are simply borrowing money from your broker for trades in the hopes that the trade will profit in your way. It multiplies the cash you put in depending on the amount. To fight the risk of being margin called just trade with cash trade with your own money. If you go into a trade that’s in a constant bear market I would just never sell, until I can come close to at least breaking even. There are dozens of strategies you can take with trading, I’ll be posting guides of trading strategies at some point but until then Id recommend researching greatly before you get started. ETFs - Exchange-traded funds (ETFs) are a collection of investments that track the market index. Instead of investing in one company, you’ll be investing in many at once. ETFs can be purchased just like any other stock in the stock market, and function just like stocks fluctuating throughout the day just like any other stock. Bonds – Buying a bond is lending money to a business or government entity. There are typically two types of bonds. Corporate bonds are issued by a business, and municipal bonds are issued by the government. Out of everything on the list, this is considered the most reliable for holding your money long-term. When bonds are held for a period of time you’ll get your principal back while gaining interest for lending you money ie. holding bonds. Options – This is the most complex, riskiest, and has the highest barrier to entry out of everything listed. Buying an option is buying the purchasing power to buy or sell an asset at a certain price at a certain time. Buying assets are referred to as calls, and selling options are called puts. This is not in my field of expertise so id recommend researching greatly on options if this is something you’d like to indulge in. Trading options is like is more closely related to gambling because of the risk. Crypto – This is a fairly new type of currency without the backing of a government. Examples are the infamous Bitcoin, Ethereum, Dogecoin & countless others. A slight plug here, I’ll be launching my own crypto “Kodocoin” by mid-next year of Ethereum blockchain. These can be quite expensive so I’d recommend buying fractional shares. If you really like crypto may I recommend a few platforms to try: Blockchain Crypto Coinbase FTX Commodities – Most commonly found in futures markets Metals, Energy, Agricultural, & livestock, can be purchased through stocks, mutual funds, ETFs, and futures contracts. 3. Self-improvement/investing Alright so you have $1,000 and you believe investing in yourself will rake in a larger return than investing elsewhere. Now I’m not talking about getting a new wardrobe to make yourself more appealing, new shoes, hair, or makeup I’m referring to investment. For instance books on a particular skill or trait that will help you make more money by improving your skills. A few more options could be investing in a course or Bootcamp if you are a coder to help beef up your skills and add to your resume. These are a few options that I’d know will help me you may be very different. In fact, everyone is different you may want to play an instrument or become a YouTuber. Regardless of the case $1,000 could be just the amount you need for improving those skills you may want to use the other methods I mentioned to grow your money and then use the profits to fuel your personal dream. Regardless of who you are, there’s always something about everyone that can use improvement. I don’t have a method for everyone. But we all want to make more money. Improving your body may open the doors for promotion, relationships, more sales, and so on. If you are out of shape maybe get a gym membership to improve your physique. Later on, when the knowledge and results seep in you may want to peruse a personal training certification. Some certifications are under $1,000 and are even cheaper when deals are caught. ACE Fitness 4. Reselling/Dropshipping Platforms like eBay, Etsy, Mercari & Facebook marketplace will be some of the best options for getting started in your reselling journey. Reselling is simply a seller acquiring an asset mainly through purchasing and then reselling that asset at a higher or market price to a buyer. I have a whole guide coming that walks you through how to get started on reselling. It shows you how to buy items at wholesale list them, sell them, and everything in between. But that’s the jiff of it. $1,000 can buy you a few things. On wholesale websites, this can possibly get you household items, tools, a box, or Gaylord full of resealable products. You name it some sites will even let you bid on the product in the form of lots, usually under 1k. If whole selling isn’t your thing try strolling through your local store to find hot selling items on sale. Buy that item on sale then relist that item on eBay or so at market value. Try looking online as well and finding deals on reputable websites like http:www.bestbuy.com/ I found a deal now that will net you a small profit possibly $30 or more give or take the cost for shipping and taxes. It’s small so sending this to the buyer would be cheap. More tips and tricks on this coming soon a guide Dropshipping – This method can be simpler or more complex, it all depends on you. I will tell you this method takes up less to no space considering you aren’t actually housing products. Just like it sounds, you are creating a listing of that product without having physical inventory on hand. When a buyer buys from you, you go to the actual product listing. Then you buy that product with the money the customer just gave you for that listed item. Assuming you're selling the product at a higher price than you purchased you would net the profit. I myself created the platform “Aminodeal” This has both physical inventories for reselling and non-housed inventory for dropshipping. You can find our store on various platforms listed under reselling however we are preparing to launch an app and the website in the coming months. You don’t have to go this route of creating a universal store platform. Creating stores on eBay in so on can be extremely easy, and done extremely well. 5. Blogging I won’t go into much detail on this method, for I already have an article https://www.kodoninja.com/view.php?t=blog&c=money&v=30 that goes into much detail on how creating and regularly posting on your blog can be extremely beneficial for extreme passive income. The interesting thing about blogging is that it could cost $50.00 to get started. That cost is buying a domain. The name of your blog and the remaining is the cost for hosting and possibly a theme if you aren't adept in building from scratch. 6. Freelancing If you are good at a particular skill or trait offering your services on these platforms below can be quite rewarding. Fiverr Upwork Upstack 7. Flipping This one closely relates to reselling. We’ve all heard of the age-old examples of finding used, cheap, or even FREE items on Craigslist and other platforms. Fixing up that item and then reselling that item for profit. Depending on the cost of gas to pick up that item, shipping, and cost to repair. This is a very lucrative business venture because the profits are almost 100% of pure profit. Try searching Craigslist in your area for free items, you’d be surprised what you find. Take a look at what I found below Conclusion  Your money can go a long way. As you read above there are many options available to you that you could take to grow your money. Depending on which path you take growing that initial investment of $1,000 may take longer or shorter. You may pick from the 7 I’ve chosen, or choose something else. Regardless of whichever you choose please research each topic further. It may all seem straightforward at first but may end up more challenging. Each path has an array of information tips and tricks to help you succeed in that category. Good luck be sure to write me or comment on how everything is going.

The Zero Cash Lifestyle. Is the art of having no money ‘available’ on hand. Does that sound weird? I bet it does, and if it does, I’ll enlighten you. Alright..., that wasn’t a typo! You read that correctly. This is the zero-cash lifestyle. So welcome for this is the current lifestyle of yours truly, “the coding ninja”. So let’s dive in.Before we beganThroughout this post, I’ll be posting receipts to show you I do indeed live this insane lifestyle. This is not for everyone, and I don’t believe everyone should attempt this. Who should attempt this? This is for the risk taker. That person is crazy enough to risk it all, living on the edge every single day… Ok, so let’s be serious, anyone can be a part of this lifestyle. Once I break it all down, we’ll see it’s not all that crazy… Trying this requires the creation of multiple accounts to diversify your money within the same bank account or multiple bank accounts.Currently, my everyday spending account sits at $2 with the investment bank Fidelity. That is always kept under 5K in total. If it goes over,... It is transferred to another Investment bank usually TD Ameritrade (Fidelity is used for everyday simple transactions/holding... If I require a little more cash, I just liquidate//a short wait time of 2 days so it works out) My spending account is linked to my everyday debit card. I try my best to keep this account less than $5 by design, As you’ll see in the image below. If your goal is to be POOR BROKE & HUMBLE… Why are persons insinuating.. That I’m pretending to be rich… WHAT? How did that conclusion occur, I’m trying to be what I am #BROKE I have $2 on hand… ? ? ? Wink* lol pic.twitter.com/c621gSd3o8— Emmanuel Moore (@kodoninja) July 30, 2022 A common question you may ask is: If that account is sitting at less than $5. How can I buy lunch or anything else I may need for that day? And that is why you’ll always need to have your phone on you. When I need to make a purchase larger than $5. I log onto my banking app on my phone and transfer the amount that’s needed to that spending account. Additionally, I don’t carry cash, I avoid it like the plague. If for any reason I do need to make a withdrawal, it’s for that exact purpose and that exact amount. Any leftover cash I deposit or get rid of it. This is done by transferring the needed amount to the spending account and withdrawing at an ATM. The remaining amount if any gets re-deposited, or spent on things at the store I may need or want. Like food or household products soap, etc...The WhyZero cash is a bit misleading. Thus it’s a bit of a yes, you have no cash (broke). And yes you do have money (still broke). And no you're not broke. Confusing but did you catch it? Cash/Money. When I say cash I’m referring to cash on hand. Direct money you have access to for spending. These are the funds that have been liquidated or have yet to go liquid. For me, this is money I keep in another checking account used for spending. There’s also another checking account for bills. This account is also used for direct deposits. So let’s break down the three accounts you’ll ever use. Checking Account 1: For spending [Transfer Account] Checking Account 2: For Bills [Direct-Deposit Account] Checking Account 3: For Trading/Investing I currently do have other accounts listed under this bank account with “Fidelity” never exceeding 5k (as stated above). And a business investing/broker adjacent to these accounts (separate login etc// just like with any other business account w/ any bank.. These accounts are locked (frozen) except for one w/ Fidelity). However, we’ll be focusing on the 3 personal accounts listed above. We touched on the account labeled ‘Checking Account 1’ in the earlier paragraphs. This is your spending money for everyday items. This account is typically kept at $5 or less.Now onto your account labeled bills. This is the most important account you have. Your paychecks, from your career(s)/ job(s) royalties, or any forms of payment will all be deposited into this account. Your bills will be deducted, and or paid from this account. Or that exact amount is transferred to your spending account linked to your debit card so you may make that payment.A recommended tip for security is that you should not have a debit card linked to this account for this will be a bulk account. Meaning a large sum of money can be found in this account via deposits from your sources of income until it is transferred to your third account for immediate investment. As another note, I have a second card linked to my 3rd account that usually has a zero balance or a few hundred until more money is liquidated. This is the bulk account that has the most but doesn’t. Mainly because it is all liquid.A method of transport will look something like this: Money is deposited into your Bill account Bills are taken out from this account, or transferred to spend to make that transaction. 95% of the remaining money after bills is transferred from your bill account to your investing trading account (account 3) Money deposited into your trading/investing is immediately used to purchase stock, bonds, crypto, etc. 98% of the money in this account should be liquid. 5% of the remaining money is kept in your bill account until it’s needed for expenses Money is transferred to your spending account on a needed basis; from your bill account. At this point, your bill account should be left with exactly what is needed to savvy your bills. Once your bills are extracted for that month or bi-weekly period. Follow the steps for the method of transport to invest the remaining money. Your spending account should be left with as close to $0 as possible. Keep this in mind before you transfer the remaining money from your bill account over to your investment account. Calculate what you’ll need for groceries, fast food, gas (transportation), amazon, etc. Once your money is invested ‘liquid’ you’ll have to wait a few days to liquidate money for what you’ll need or want to buy.Rinse & Repeat (monthly or bi-weekly or weekly or possibly daily)We all don’t make the same amount, nor do we have the same amount due in bills and expenses. Thus, this is where your custom calculation is created. Let me also state make sure you're making money. Now, what do I mean by this? After your bills & expenses are deducted this is the money left over... Now if this amount is hardly anything a few things need to change. You can either  Make more money Get a second full-time or part-time job Get a higher-paying job Pick up side gigs  Learn a skill or trade to net you additional income Software development App/Web development Freelance / Remote position Trade, Invest Start an online store (reselling, drop-shipping) Start doing YouTube, Twitch, etc. Eliminate expenses Find a cheaper place to live Get a roommate Move in with family Less to no fast food Cut back on subscriptions Stop spending or overspending … If it's something you can live without eliminating it. For the deposit accounts, I recommend having investment banks such as TD Ameritrade, Fidelity, JP Morgan, E-Trade, Vanguard, and so on. These have been around for some time there reliable and trustworthy. I'll list links to my top five choices below.FidelityTD AmeritradeInteractive BrokersE-TradeVanguardTo state again these are the only three accounts that matter in the zero cash lifestyle. Is that it? No. Now we know what to do with our cash from our deposits etc. Let’s take a deeper look at what happens to the money in your third account for trading and investing. If you remembered this is referred to as ‘Money’ Completely liquid money you will not have access to. These are your actual assets, all of your holdings. All of your money is being held in various investment banks and apps. If it can hold and multiply your money you keep it there. Think of liquid as your money is no longer in physical form. It's water, more water can be added and water can be taken away. You can start with a small glass and end up with a few gallons to an entire ocean full. Your money can be larger one day and less another day due to the ever-changing stock markets and your choice of investments.Diversifying is key thus currently I have quite a few apps and platforms that I use in addition to the big 5 mentioned above. Now before we dive into what you may want to be investing in. Let’s take a look at a few other supporting platforms you may want to try Platforms Account Minimum Fees Rating Fidelity $0 $0 100/100 Vanguard TD Amararade $0 $0 90/100 E-Trade $0 $0 90/100 Webull $0 $0 100/100 Moomoo $0 $0 80/100 Merrill Edge $0 $0 90/100 SoFi $0 $0 90/100 Ally Invest $0 $0 90/100 J.P. Morgan Self-Directed Investing  $0 $0 85/100 Acorns $0 $3 -$5 60/100 M1 Finance  $0 95/100 Betterment $0 Robinhood Twine The list can go on and on but for the sake of sanity, we’ll stop there. If you’ve found more that’s great be sure to add them to the list. These online brokerage platforms and non-brick-and-mortar firms are great ways to multiply your money. Some offer Robo advisor services like SoFi and Wealthfront, Betterment, Acorns, Fidelity, E-Trade, and so on. Below you’ll find linked images to more options in detail.Each one of these platforms is all different but offers essentially the same services. Research a bit on all of them. Try them out and see which ones work for you. I have so many of these accounts I’ve lost track. These are what I call supplemental accounts. So I try not to have more than a few hundred to several thousand on these platforms. Your opinion may differ I have friends who have over a hundred thousand on a Robinhood account. It’s all up to you.My strategy is 3-5 bulk platforms, then have everything else supplemental. See what works for you. Trying several accounts may need the help of additional money so be sure to learn how to make more money. I’ll also note platforms like Acorns, and Worthy for example invest by rounding up to the nearest dollar. They take the rounded-up money and invest it for you.Now that’s out of the way let’s do some investing in your trading/investing account(s). At this point, you should have a few hundred in this account to get started. If starting. Meaning your account sits below $25,000 you’ll be doing mostly swing trading and investing. To day-trade, this can only happen 3 times a day due to the PDT (pattern day trader rule). That is if you’re in the USA.The rule of thumb is to implement some buy-and-hold strategies. Buy low exit high on cash and avoid margin if you can. To be safe I recommend buying blue chip stocks like Apple, Tesla, and Amazon in the beginning. These are extremely large companies that will always have a place in the markets. Meaning there’s so much volume, shares, float, and market capital that these stocks will almost always stay fluid and you’ll safely enter and exit trades, break-even is and profit greatly. A lot of these stocks are so large they hardly move so your money will likely remain the same while you collect dividends if that company offers them. When going into a trade I recommend that you pick one with a lot of volume and shares outstanding, (float). This ensures you can enter and exit trades freely. Pattern trading with the usage of candle stick charting is a great rule of thumb. They provide the most information to see when to enter trades based on various patterns, and signals that can be found on most broker platforms. These patterns can be found throughout the entire stock life span to help determine when you may profit on your return. And revisit previous patterns that may repeat based on past price actions. I am a swing trader who looks at charting as if I was day trading to get a proper grasp on the stock patterns and action. A good practice will be to try day trading to get acclimated to candle sticks (3 times daily: 1 entry, 1 exit, and 1 other entry) until your account reaches 25k as I did when the PDR applied. I’ll go into more detail in another article as all of these cannot be contained in this one article. Below I'll list a few of the many areas to invest and trade your money. You can research further and find more information on kodoninja.com. But for now, let’s take a look at one of these. Stocks Bonds ETF’s  Crypto  NFT’s Commodities  Hedge Funds Stocks - If you're a slightly impatient investor like me, stocks will be your best friend. A pro and a con to stock trading are that they move fast. One moment they're up, one moment they're down. For day trades, this is the greatest benefit of trading stocks. Going heavy on a trade of a few hundred to a few thousand shares on a stock trading at $13 or $5 on a .20 cent increase can net you a profit over a few hundred to a few thousand depending on how much you entered the trade with.I’m a big proponent of swing trading going into trades and exiting a day to a few days later to profit. Again, depending on how much I entered the trade determines the amount of profit netted on that trade.Example of a monthly swing trade from MoomooLet’s say we went into the trade with $2,000 worth of shares let’s see how much money we made from that single trade.We entered the trade on: 3/14/2022 $34.879 (57 shares came out to $1,988.103)We exited the trade on: 4/18/2022 $48.461 (57 shares came out to $2,762.277)($2,762.277 - $1,988.103) = $774.147With our $1,988.103 investment in Twitter stock trading at $34.9, we made $774.15, once we exited the trade at $48.5. This is an example but not something that’ll happen regularly. The stock increased by $13. It may not seem like much, but when you're going into a trade with a few thousand, it packs a punch. A jump like this is gold to any type of trader. If you’re lucky you may find trades that jump like this one within a day or two. Those are the trends I’m looking for. But making nearly $800 in a month on a single swing trade is pretty good. But not nearly as good as making that type of return a day on a single trade.As you can see swing trading is very lucrative. However, to make this much notice quite a bit of money needs to be tied up to make some serious profit. $2K is a lot of money to be gambling with. The trade may not go the way you want, and you may be stuck in that trade for days to weeks, to just break even… In this example, this trade took over a month. If an emergency happens getting that money out may result in a loss of money. It’s very possible to make these types of gains in a day or week. It all depends on the price movement and volume propelling it. A .70 cent increase on a $5,000 investment on a penny stock trading at .20 cents can more than double your money.I like the risk vs reward ratio. Swing trading for me has been extremely profitable and has helped to grow my money quite a bit. Since I’m living the zero cash lifestyle. This money doesn’t count. This goes for my everyday banking to my various investment accounts developed over the years. My rule of thumb is once the money is invested it cannot and shall not be liquidated. (except Fidelity) If I have $2 in my spending account and $80 in the billing account that’s what I have to my name as far as I see it. Thus, you’ll have no money until it’s liquidated and transferred for your availability. PRO’s Your money can be compounded on interest, gaining quarterly/yearly dividends. Any investments can be sold for profit and reinvested for instance the $774.15 made from that monthly swing trade can be used to go into another well-researched trade. How you choose to do it and the amount is completely up to you. Regardless of the trade, you are building on that overall account value.Compounded interest gets complex to click the image below to learn more about the link posting 1 year compounded: $5,000 × (1 + (.02 / 1)1×1 = $5,010<a href=”https://www.bankrate.com/banking/what-is-compound-interest/”><img></a>The difference in share price increased by 13.6 ($48.461 - $34.879 = $13.582)Linked below in the example image is a pretty good stock trading calculator I’ve come to love. So far they seem pretty accurate. Thus this is my go-to website.ConclusionRegardless diversify your money as much as possible. Invest in a bit of everything, and keep throwing money into the market regardless of if we’re in a bull or bear market. Add to your investment portfolio(s) every other week or whenever you have available cash. I also get life happens; Investing weekly, bi-weekly, or monthly may not be feasible for everyone.Since you aren’t touching these accounts, there compounding, gaining interest, collecting dividends, and so on. Touching back on life, you may have emergencies that require the need for money. Since your two cash accounts have their purposes. They are always running on E. Thus, you’ll feel the urge to liquidate your assets. If it’s life-threatening, prohibits you from getting to work, health concern, family emergency, or anything extreme goes for it… Just try to rebuild those accounts when applicable. Building a rainy-day fund may also be beneficial however I have rainy investment accounts. I don’t believe in keeping large amounts in banks. For your losing money on inflation and missing out on crypto spikes, stock fluctuations, and higher yield return through various other methods available. Keeping your money liquid puts you in an otherwise gaining position.We (you and I) keep our money invested because it is useless keeping money in ordinary bank accounts. Inflation and god-awful interest rates. If you had 60k sitting in your checking account it’ll be roughly the same 20 years later. It’ll be worth less with inflation. You lose money by keeping it in banks. All banks are going to do is take your money and invest it for their gain while only returning interest on your initial amount mostly never exceeding 0.01%. All profits made from investing your money are their gain, and you never reap the rewards. Some CDs offer higher interest, and ROI, but on the caveat that you only have access to that account a few times a year. 401k Roth IRA, Seth IRA, and so on can be good options they can be used as assets for investment properties. There is no penalty for investing in a rental property or investing in those accounts just as you would your investment accounts.A cool thing about some 401k’s is that if your job matches what you put in. That’s less initial money needed for investing. They’d often double your input. You can invest and trade the matched 401k, reinvesting those profits. Then take that money for a down payment to invest in rental properties or property of your own (15/30-year fixed loan) if you see fit. Implement the BRRR (Buy, Rehab, Rent, Refinance, Repeat) method, then that’s another sick cash flow income stream.I’ll end it here, for there are limitless avenues to invest and reinvest your money. Check out my article “My guide to become a Billionaire Pt.1”. For many other investment ideas while you undergo the zero-cash lifestyle.