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.

Udemy is one of the largest online learning and teaching platforms available today. With nearly 196,000 courses, 68,000 instructors, and 712 million course enrollments. This platform has made its dent in history helping millions become better at their skillset. So let’s dive deeper into why taking courses from Udemy will be one of the best supplemental options for you and your career path. Udemy shouldn’t be the only weapon in your utility belt. But it should be the one that’s heavily leaned on. Regardless of whatever you learning in your field of study. You can be guaranteed that Udemy has many course options to choose from. For instance, let’s say you want to learn Python. If you enter Python in the search bar, you will see thousands of courses on that 1 language, 10,000 to be exact. That’s insane. Many of these courses offer valid certificates you can show your interviewer displaying your knowledge and skill set. If you are a fellow coder like me. I recommend that you have many real-world projects and applications in your arsenal. I’ve been building and selling real-world projects since High School. Since then I’ve built many real-world applications that can be seen anywhere. This very platform is a testament to my current skills, dedication, and appreciation for complex coding. Taking courses has helped me learn new skills adding to the complexity of this platform and others. I have a large portfolio of projects and so should you. Developers! Please build a complex platform or 2. This will show that you really know what you're doing. Employers love to see that you are building these applications outside of schoolwork and course assignments. Not into coding Udemy has you covered search anything you are almost guaranteed to find courses with certifications. Regardless take your passion to the real world. Create work to show your willingness and dedication outside of what everyone else is doing, Trying to get a job as a producer? Create a portfolio of music produced and created by you. Singer. Create an EP. Designer? create some designs, get a few of them made, modeled, promoted, and see if it sells. You get the jiff. Whatever... Go out there and create a few pieces of work. In addition to all that add some variety. Below I've listed a few other options for certifications and skillset Coursera Edex Skillshare Khan Academy Check out this blog it has a few other phenomenal options I haven't listed https://www.edapp.com/blog/udemy-alternatives/ Financials Let’s take a look at how this platform is doing as a company. To start Udemy has been a publicly traded company since October 29, 2021, raising 421 million in its initial IPO. The company brings in roughly 150 million annually. Its instructor's monthly earnings are anywhere from $200 - $20,000 monthly possibly more. Some have reported being making millions. Furthermore the current Stock price:UDMY(NASDAQ) $12.67 +0.64 (+5.32%) trading at $12.67 a share at this time of writing the post. Now that we know the company is profitable, how can this in return help you succeed? Udemy has courses ranging in the following topics and sub-topics. Let’s take a look at the categories: Development Web Development Data Science Mobile Development Programming Languages Game Development Database Design & Development Software Testing Software Engineering Software Development Tools No-Code Development Business Entrepreneurship Communication Management Sales Business Strategy Operations Project Management Business Law Business Analytics & Intelligence Human Resources Industry E-Commerce Media Real Estate Other Business Finance & Accounting Accounting & Bookkeeping Compliance Cryptocurrency & Blockchain Economics Finance Finance Cert & Exam Prep Financial Modeling & Analysis Investing & Trading Money Management Tools Taxes Other Finance & Accounting IT & Software IT Certifications Network & Security Hardware Operating Systems & Servers Other IT & Software Office Productivity Microsoft Apple Google SAP Oracle Other Office Productivity Personal Development Personal Transformation Personal Productivity Leadership Career Development Parenting & Relationships Happiness Esoteric Practices Religion & Spirituality Personal Brand Building Creativity Influence Self-Esteem & Confidence Stress Management Memory & Study Skills Motivation Other Personal Development Design Web Design Graphic Design & Illustration Design Tools User Experience Design Game Design 3D & Animation Fashion Design Architectural Design Interior Design Other Design Marketing Digital Marketing Search Engine Optimization Social Media Marketing Branding Marketing Fundamentals Marketing Analytics & Automation Public Relations Paid Advertising Video & Mobile Marketing Content Marketing Growth Hacking Affiliate Marketing Product Marketing Other Marketing Lifestyle Arts & Crafts Beauty & Makeup Esoteric Practices Food & Beverage Gaming Home Improvement & Gardening Pet Care & Training Travel Other Lifestyle Photography & Video Digital Photography Photography Portrait Photography Photography Tools Commercial Photography Video Design Other Photography & Video Health & Fitness Fitness General Health Sports Nutrition & Diet Yoga Mental Health Martial Arts & Self Defense Safety & First Aid Dance Meditation Other Health & Fitness Music Instruments Music Production Music Fundamentals Vocal Music Techniques Music Software Other Music Teaching & Academics Engineering Humanities Math Science Online Education Social Science Language Learning Teacher Training Test Prep Other Teaching & Academics As you may or may not have guessed the main topics, sub-topics, and so on are all geared towards real-world applications that will in theory make you more successful. This may in turn land you a career at your dream job. This could also assist you in your social media (YouTube) career, personal development, self-employment (entrepreneurship), and so on. Although there are courses in basket weaving, bird watching, and feminism I'd recommend against them. I have nothing against those who bird-watch, protest nipple freedom, and weave baskets for a living. But I'd like to focus on the tens of thousands of courses available in highly demanded categories. That can net you some serious dough. I left examples below if you wanted to peruse careers in these categories. Bird watching Basket Weaving Regardless of the professional career path you've chosen, I'm sure you'll find the perfect courses for you. If you took a look at the images posted above. You'd notice at the top there is a sale currently in circulation. By the time you see this, I doubt that code will be available. The bold text below is the example of the sale that was in the image. I've also included a coupon code I use religiously for Udemy. This code has gotten me courses that or normally $160 or more for or less than $30. Courses from $13.99 end tomorrow| Get an extra 10% off today only with code ACHIEVE. Ends in 4h 41m 25s. Below are the codes I've used. I'll try my best to update the list with coupon codes that are still operational. Follow me on Twitter I'll post coupon codes that you may use that I've used personally. UDEAFFNU420 Use the promotional codes above when applicable. I've amassed a collection of courses over the past few years. Some of which I’ve started, and some of which I've yet to begin. I just never got around to completing them. You can chuck this up to laziness and business. Those of you may know I've been working on developing the kodoverse for a while now. Thus it has governed my time and life leaving me little time to complete my Udemy courses. I'll show you the courses I've purchased over the past year or so. I have 21 courses so far and am planning to acquire almost every useful course on software development, code, data science, and so on. There are tens of thousands of courses so I guess maybe not all of them but many. Let’s set my goal to 100 in total and go from there. I recommend that you also have a set number of courses you are willing to take to improve yourself. Here are the ones I have so far: Completion The hardest part after buying your courses is to actually complete them. Something I struggle with but aim to fix. Sadly I’m not alone 90% of people who purchase a course do not complete them. Hopefully, you are less busier than me, regardless you should still be able to complete your courses. There really aren't any excuses. Udemy has apps for both IOS and Android so sneaking in some study completion time during break shouldn't be an issue for most courses. Also allocating a few minutes to an hour a day should help move your course completion time along. I myself will implement at least 1 hour a day to complete my courses. And have been doing so for close to a month now On your Udemy app under push notifications, you can turn on learning reminders. Set the days and time you'd like to be reminded to complete your courses. Job/Career People have different career paths so I cannot speak for every path you choose. My field of study aligns with software development. Although Udemy code courses aren’t considered accredited to many businesses. Employers do appreciate the money, time, & dedication it took to complete the course. Thus this is considered valid for entry-level jobs, especially in software development. The courses show that you can complete complex assignments, and build real-world applications pertaining to your field of study. Code has a tendency to change and update like most fields. This includes new information, ways to write and implement logic, adding and removing methods, and so on. So let us remind ourselves of the benefits of the certifications: Staying on top of the new trends Shows that you are very interested & dedicated Highlights your accomplishments Real-world assignments Certifications that boost your resume Adds to your overall skill-set and qualifications Improves your current knowledge Shows your willingness to improve your education beyond college or high school Admits you don’t know everything and are willing to learn more You know your skill & job requirements profoundly The more the merrier, you’ll further understand the work NOTE: Regardless of the field of study make sure you take courses that offer a certificate of completion. This is considered a professional certification. It looks magnificent on your resume Millions of people take Udemy courses every year, and many have gotten jobs with the certified certificate completion of their course. Conclusion Get started already. Udemy is an amazing platform that millions enroll in. Attach the certifications to your resume. Remember what I said and add to your arsenal. And most importantly don’t be like the rest and actually complete the course... Good Luck be sure to let me know about your progress.

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.

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.