Accidentally Wealthy on Purpose: An Interview with Accidental FIRE

Man, Business, Adult, Suit, Bitcoin, Cryptocurrency

“We gonna win more. We gonna live more. We the best.” – DJ Khaled

I know what you’re thinking. How do you accidentally get wealthy on purpose. Well guess what? You’re about to find out.

This latest blogger interview comes from Dave of Accidental FIRE.

I reached out to him after seeing his name on like 20,000 blogs.

Here’s how it went down because as you know it goes down in the DM. ๐Ÿคฃ

I sent this tweet out after seeing a post Dave published. I thought it had an inspiring title. So I retweeted it.

To my surprise, Dave responded. ๐Ÿ˜ฎ

So I responded to Dave. ๐Ÿ˜

That’s when he told me to hit him up in the DM! ๐Ÿ˜‰

So yes ladies and gents, this post happened from a tweet!

He seems as passionate about writing and blogging as I do!

I was born for this, born for this It’s who I am, how could I forget? – Macklemore

Let’s get right down to it! It goes down in the DM!!! It goes down. It goes down!!! ๐Ÿ˜‚ Yo Gotti – Down In The DM

The blog and the interview was done by Miriam of Greenbacks Magnet, but those lyrics up top are by Yo Gotti.

INTRODUCING 

Welcome aboard all! All are welcome!

Welcome to Greenbacks Magnet. Home of attracting Greenbacks like Magnets! ๐ŸคฃCan I help you find financial freedom?

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I want to thank you all for coming along this financial journey with me as I study the self-made and do blog interviews. You know, you are all my copilot’s on this magic carpet ride.

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In the illustrious words of #Aladdin Genie, “You ain’t never ever had a friend like meeeee!!!”๐Ÿคฃ

Let’s Meet Dave!!!

I actually met Dave at FinCon. He was positive and had a great attitude. That was the thing I remember about him most. He may not have known it but I thought to myself now there’s someone I would not mind working with. ๐Ÿค”

And here we are today.

Another day, another breath (another breath)
Been chasing dreams, but I never slept (I never slept) – Glorious Macklemore featuring Skylar Grey

I told Dave I thought he was one of the hardest working men in the blog business. I said that because I would go to read a post by a personal finance blogger and he would have already been there and posted the very first comment!

I couldn’t keep up with him! And I work HARD!!!

I remember seeing a comment on one blog post he did and he said, “Oh get out the popcorn. I see an interesting comments section coming on this post.”

Yep, that’s Dave.

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What it felt like to meet Dave at FinCon.

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He’s a genuine guy. ๐Ÿ˜‰

Let’s talk about how Dave caught on financial FIRE!

DAVE STARTS A FINANCIAL FIRE BLOG

GBM: Hey Dave!! You should let me interview you for the blog! 5 questions tops! If it will get this ball rolling. I know you’re busy, but I promise to keep it short and snappy. Scouts honor. ๐Ÿ˜‰

Dave: Hey Miriam, I will have to ponder these and will get back to you, interesting questions ๐Ÿ˜‰ 

What is FIRE? It stands for Financial Independence Retire Early.

There are tons of blogs out there on the topic.

I even wrote a post called How do you play with FIRE?

WHAT IS FIRE?

According to Camp Fire Finance, the elevator pitch for FIRE is this, โ€œWhen your investments generate enough money to cover your annual expenses youโ€™re financially independent (FI). At that point work is optional and you can retire early (RE) if you want to.โ€

Basically, you have more than enough money coming in to stop working. Usually, this requires anywhere from $1 million to $5 million dollars depending on what you want or need to spend to maintain your lifestyle or that of the one you dream of having.

For example, if you decide you want to withdraw at least $80,000 a year, you would need to have a $2-million-dollar portfolio.

This is how I visualize myself on FIRE! ๐Ÿ˜‚๐Ÿ’‹

Jennifer Lawrence in the Hunger Games was serving them eye candy with that dress. It was literally ON FIRE!!!

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To stay on theme, I will pick this image for Dave. ๐Ÿ˜‰

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Let’s get to the interview. ๐Ÿ˜Š

Dave: Hey Miriam, here are my responses.

1. How did you come up with your blog name?

I named my blog Accidental FIRE because I reached FI accidentally – meaning I wasn’t intentionally trying to get to a point where I didn’t have to work anymore.  I just wanted as much of a nest egg as I could get because I come from a background and family that has no money.  So it was about building security in my life.  But when I discovered the 4% etc it then accidentally became about working less too.

Accidental Fire

Good for you! ๐Ÿ‘

It’s great to have goals. I call that a win!

Win, Word, Scrabble, Letters, Wooden

GBM Miriam: Some people may think building a nest egg from the ground up is impossible. I say personal finance is not rocket science. It is about earning, saving, and consistency.


Thanks for keeping it ๐Ÿ’ฏand sharing that.

2. Any favorite finance books? What’s on your nightstand?

My favorite financial book is “The Simple Path To wealth” by JL Collins because it does the best job of boiling the basics down to make a FI path, well, simple.  On my nightstand now are two books “War Letters: Extraordinary Correspondence from American Wars”, and “The Coddling of the American Mind: How Good Intentions and Bad Ideas Are Setting Up a Generation for Failure”.  Also my eyeglasses and a candle.

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Well ok โœŒThat’s some good reading material right there. ๐Ÿ‘

GBM Miriam: I am actually reading The Simple Path to Wealth by JL Collins right now! I guess great minds think alike! ๐Ÿ˜‰

This was me in school. ๐Ÿ˜‚

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Even today, if I’m not reading, I like to exercise. ๐Ÿคฃ I like to keep busy. No idle hands.

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I still read comic books too! My favorite is Red Sonja.

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She Devil with a Sword

Fun Fact: The Marvel comic Red Sonja was turned into a film in 1985 starring one of my favorite self-made people to quote Arnold Schwarzenegger.

โ€œDonโ€™t focus on getting to $1 million; focus on getting to $2 million.โ€ โ€“ Arnold Schwarzenegger

I heard that little gem when Mr. Schwarzenegger was doing a radio interview.

I’ve learned to make every dollar count. Focus on turning every $1 into $2. Instead of $1 million focus on $2 million. I learned that from @Schwarzenegger ๐Ÿ˜‰

Just my 2 cents. Smooches ๐Ÿ’‹

Did this book inspire this post I wonder? ๐Ÿค”

3. What’s the most interesting thing about you that we wouldn’t learn from your resume?

I’m a pretty good juggler.

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Awesome! ๐Ÿ‘That’s pretty cool.

4. What’s in your wallet? How did you start building wealth?


If you mean what kind of credit card I have a US Bank VISA that gives great reward points and that I use for everything.  I started building wealth as soon as I started working when I was 16, I’ve always spent less than I made.  But I started supercharging my wealth-building after reading a copy of Money magazine in 1995 and putting money in index funds.

Nice! ๐Ÿ‘Œ

GBM Miriam: I actually started after reading a Kiplinger magazine around 2007. I also put my money in index funds like the VFINX 500 index with Vanguard, which tracks an index like the S&P 500.

I try to save and invest over 40% of my income.

Although it is now closed to new investors you can put money into the VTSAX which is 80% comprised of the 500 largest companies in the United States.

Your story on how you grew up and got started building wealth reminds me of the song Glorious from Macklemore.

I feel glorious, glorious Got a chance to start again!

I loved it in the Crazy Rich Asians movie trailer.

5. What 80’s film best describes your relationship with money or the lifestyle you would like to have?

I guess I’d pick “Stand By Me” It doesn’t have much to do with money but I love the movie because it reminds me of my childhood – being in a small pack of super close friends and exploring and maybe sometimes getting into thins we shouldn’t have.  And I’m still friends with all those guys today so it’s fun to reminisce about when we were younger and our knees didn’t hurt so much!

I hear you! ๐Ÿ˜‰

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Love that movie! It had some inspiring words. Love the 80’s. ๐Ÿ’–

You know? Dialogue like this. ๐Ÿคฃ

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GBM Miriam: Seriously, though that film makes me tear up at the end every time. A great coming of age story about friendship.

Why we blog about finances?

I’ll let Skylar Grey answer that:

We gon’ be alright, put that on my life
When I open my eyes, hope I see you shine
Now I feel glorious, glorious
I feel glorious, glorious

Well, we have come to the end of this interview. Hope you had fun.

Here at Greenbacks Magnet we like to have fun. And I had a blast!!!

GBM Miriam: Thank you Dave for stopping by!! I sure hope we will see each other again at the next money meets media conference as FinCon19 is coming to DC! But if not, there is always Twitter and DM’s. ๐Ÿ˜‰

I bid you all farewell. Until we meet or tweet again.

I will give you one of my farewell messages that I tweet as a show of my appreciate for you hanging out with me here at Greenbacks Magnet.

Hope you had fun with me today and my Lipstick confessions. I must bid you all a good night. And go back to my regular identity. May the 80s live on forever in our hearts. Smooches๐Ÿ’‹ Greenbacks Magnet

Shows over Synergy. #Jem

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Are you surprised I sent this tweet? Well, don’t be. I told you I loved the 80’s!!!

Hey Dave!!! Thank you. Appreciate that quick turnaround right there!

ACF Dave: thanks Miriam ๐Ÿ‘

Remember how I said I saw Dave on like 20,000 blogs. Well, I guess that is a popular number.

Got 20, 000 deep off in the street like we some warriors
My mama told me never bow your head, woo! – Macklemore

But this time, you can take a bow and bow your head Dave. You were a great guest to have. ๐Ÿ‘๐Ÿ‘๐Ÿ‘

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Want more on purpose money advice from Dave of Accidental FIRE?

Visit his website Accidental FIRE and Follow him on Twitter @Accidental_Fire and

Jennifer Lopez: From Jenny from the block to JLO and $100 Million

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โ€œYou have to fight for the things you want.โ€ โ€“ Jennifer Lopez

Jennifer Lopez is a quadruple threat: actress, singer, dancer, and producer.

It was recently reported earlier this month that in March 2019 she got engaged to former MLB phenom Alex Rodriguez (A-Rod).

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Jenny from the Bronx has parlayed her talent into major coin.

Her estimated net worth is over $300 million.

Insider reported it as high as $400 million!

So how did Jenny from the block earn her wealth?

Well, you are about to find out.

As you may know, I am on a mission: financial freedom.

Therefore, I started to study the self-made.

How did they get so wealthy? What did they do? What do they do with their 24 hours we are given in a single day?

Today we talk all things J to the L-O! Hello!

Letโ€™s go!!!

STARTING OUT

Jennifer Lynn Lopez was born on July 24, 1969 in Castle Hill, New York City. Growing up in the Bronx with her parents and siblings she watched how hard her parents worked to make a living as Puerto Ricans living in the richest country in the world.

She knew that she had a responsibility to do well because her parents gave and sacrificed so much.

She was quoted in an interview as saying, โ€œI had to do well. I couldnโ€™t let them (her parents) down.โ€

Jennifer says she was always training for something. And dance become her go to activity.

DANCING TO THE FRONT

In 1991, Lopez began appearing as a Fly Girl dancer on In Living Color, where she remained a regular until she decided to pursue an acting career in 1993.

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These are HER lyric from โ€œJenny from the Block.โ€ Let J. LO tell you her story.

From In Living Color and movie scripts

To On the 6 to J. Lo to this headline clips

I stayed grounded as the amounts roll in

I’m real, I thought I told you

I really been on Oprah

That’s just me

Nothin phony, don’t hate on me

What you get is what you see

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If you have ever seen the Janet Jackson video โ€œThatโ€™s the way love Goes,โ€ then you will see a young Jennifer Lopez dancing and talking to Janet. She performed as a dancer for her while as pursuing her dreams of acting.

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I love the lyrics to that song and how it starts out.

Like a moth to a flame

Burned by the fire

My love is blind

Can’t you see my desire

That’s the way love goes

So you could say like a moth to a flame, J. LO gravitated towards acting. Haha

You also may remember her dancing with Puffy or P. Diddy, as he goes by now, in the music video โ€œBeen Around The World.โ€ That was in 1997. Havenโ€™t seen it. No problem.

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JLoThis 1997 music videoย  Puff Daddy Been Around The World

I have the footage right here thanks to Youtube ๐Ÿ˜‰ Enjoy!


Jennifer Lopez HOT Dance Scene With P Diddy

HER BIG BREAK STARRING AS TEJANO MUSIC SUPERSTAR SELENA

In 1995, the world lost Tejano musicโ€™s biggest star Selena Quintanilla. Due to widespread reports of unknown causes of events that surfaced, her family decided to tell the world her story. That became the 1997 film Selena.

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A story of a girl who had the spirit to believe in a dream and the courage to make it come true.

Movie poster reads: A story of a girl who had the spirit to believe in a dream and the courage to make it come true.

The film that made Jennifer Lopez a star: Selena.

Released in Summer 1997. Based on the life of Tejano superstar Selena.

In 1997, Lopez played the title character of Selena Quintanilla-Pรฉrez in Warner Bros. “Selena.” Lopez was 28 years old when she portrayed the late singer.

After an intense media frenzy, auditions for the role of Selena sparked applications from about 20,000 Latinas from around the globe, one woman was selected that stood out from the bunch: Jennifer Lopez.

The role of a lifetime was won to play Mexican-American music star Selena.

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People Magazine

Jennifer Lopez Reflects on Selena Quintanilla and Where She’d Be Now: ‘She Was a Star’

Jennifer Lopez in the film playing Selena.

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Fun Fact: People Espanol was started because of Selena.

The real J. LO. She too likes to wear white.

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Jennifer Lopez as Selena.

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Jennifer Lopez wearing Selena’s iconic red lipstick in the film Selena

Fun Fact: Selena favorite lipstick was Brick by Chanel, she did her own makeup and her favorite shoe store was Payless. Favorite pizza: Pizza Hut thin crust double pepperoni.

One of my favorite scenes from the film.

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If you watch Selena perform, you not she is doing tons of cardio.

Fun Fact: Selena would walk around her neighborhood EVERY. SINGLE. DAY.

And don’t take no crap from anyone.

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The real Selena Quintanilla Tejano singer and superstar

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The album that put her on the map. Selena Live!

Nominated for a GRAMMY in 1994
Selena Live! Bestย Mexican/American Album

Selena won her first career GRAMMY for Best Mexican-American Album for Live at the 36th GRAMMY Awards in 1994, marking the first time a female Tejanoย artist won the category.

She was gone less than a year later.

Awards/Accomplishments. In 1987, Selena became a spokesperson for Coca-Cola. Selena won the Tejano Music Award for Best Female Vocalist running every through 1986 to 1996. Received 8 awards at Lo Nuestro Awards, 34 Tejano Music Awards, Kuno’s People’s Choice award, and first Tejano artist to win a Grammy.

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Always smiling, laughing, and joking around. That was Selena.

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So full of life and light
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Selena Quintanilla 1971-1995 May she forever Rest In Peace.

The movie Selena would make Jennifer Lopez one of the highest paid Latina’s in film.

Many have reported that she is the highest-paid Latina film actress in history.

It was estimated that she received a $1 million payday for the film.

Her life and BANK ACCOUNT has never been the same.

A STAR IS BORN TO SING

Just keep your head down and work. Success comes when you work harder than everybody else. โ€“ Jennifer Lopez

After wrapping the film, Jennifer Lopez decided her next ambition would be recording an album. She set her sights on making this goal happen.

She got a record deal and worked with music super producer Tommy Mottola of Sony.

In an interview she said that people did not believe in her project; therefore, she had to put some of her own money into it.

You get what you give. What you put into things is what you get out of them. โ€“ Jennifer Lopez

That pet project would become her first album: On the 6.  

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As reported by Insider, Lopez’s debut single “If You Had My Love” was released in May 1999, and it immediately landed on the Billboard charts. In fact, “If You Had My Love” became the first debut single to top the Billboard Hot 100 since Britney Spears’ “…Baby One More Time” a mere four months earlier.

One month later in June, her debut album “On the 6” was released, effectively solidifying Lopez’s status as a Latin pop artist. Certified by the RIAA, “On the 6” is 3x platinum, selling 3.42 million units worldwide.

She never looked back.

AINโ€™T IT FUNNY HOW THINGS WORK OUT

When Jennifer Lopez was at her peak, in 1999-2002, she was deigning clothes, singing, dancing, performing, acting, starring in hit films, on the cover of magazines, and putting out perfume fragrances.

The iconic green Versace dress! GRAMMYs 1999.

Caused a sensation and put her on the top of the map. Every news outlet had a picture of THAT dress! A great way to get people talking about you, if they weren’t already.

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Caused a sensation

One of the things that sticks out was when she started going by the name J. LO. She put out an L.P. of the same name. She said her mother loved that name and would say it over and over…J. LO J. LO.

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However, what made her a household name was the infamous video with Ja Rule โ€œIโ€™m Realโ€ that was in constant rotation on MTV and BET Total Request Live (TRL).

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Fun Fact: Jennifer Lopez Says She Personally Chose That Juicy Couture Tracksuit for Her 2001 “I’m Real” Video with Ja Rule

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I’m Real video

Here is the video just in case you have not seen it.

She also did the song โ€œAinโ€™t it Funny.โ€ Again featuring her partner in crime (of making sweet music that is) Ja Rule. Together this pair made magic happen. They just had great chemistry when working together.

Ainโ€™t it funny dropped off the J. LO album on June 20, 2001.

Here are some lyrics for you.

J to the L-O

Hello

Well now you know where I got that from, which I state at the beginning of this post. ๐Ÿ˜‰

Here is the chorus

Ain’t it funny

Baby that you want me, when you had me

Love is crazy, I’m glad I can smile and say

Ain’t it funny

Then came โ€œJenny from the Block.โ€ This song dropped on September 26, 2002.  One of her HOTTEST music videos! If you had no idea what she was capable or of who she was, then this video stopped all doubts.

The lyrics go like this.

Don’t be fooled by the rocks that I got

I’m still, I’m still Jenny from the block

Love my life and my public

Put God first

Then can’t forget to stay real

To me it’s like breathing

Ah yes, she says to stay real or Iโ€™m real in this song. An obvious reference to her song Iโ€™m real with Ja Rule. ๐Ÿ˜‰

Here is the chorus.

Don’t be fooled by the rocks that I got

I’m still, I’m still Jenny from the block

Used to have a little, now I have a lot

No matter where I go, I know where I came from (from the Bronx!)

Check it out here.



JLo pictured in her 2002 music video Jenny from the Block

Unlike her previous studio albums: On the 6 (1999) and J.Lo (2001), Lopez had a more “hands-on” role on This Is Me… Then. The 2002 album also had more of an adult-R&B sound. Musically, majority of the songs on This Is Me… Then were lyrically “dedicated” to her relationship with then-fiancรฉ, actor Ben Affleck.

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All I have video 2002 featuring LL Cool J

The Age newspaper said the album was a “declaration” of love for Affleck.

The many looks of J. LO.

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J. LO is Pretty in Pink.

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 During an interview, Lopez said “I wrote a lot of songs inspired, in a way, by what I was going through at the time that this album was being made, and he [Affleck] was definitely a big part of that.”

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MTV VMA 2002

Magazine Covers of Jennifer Lopez.

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JLO $100 Million Woman
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ON A WORLD TOUR WITH A MIC IN HER HAND

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“I have to work, for my soul.” โ€“ Jennifer Lopez

Nearly two decades since the release of “On the Six,” Lopez has dropped seven more albums, and has a ninth album slated for release this year.

Lopez has embarked on five tours, and that has undoubtedly added to her net worth. Her first tour, aptly titled “Let’s Get Loud” was in 2001 and she walked away with a reported $765,000 in earnings, according to Money Nation.

The bank balances keep rising as her star does.

Lopez has earned an estimated $90 million for appearing on the big screen, according to Celebrity Net Worth.

She was also a judge on “American Idol” for three years. At a reported $12 million per season, according to Billboard, that’s an impressive $36 million for serving as a mentor to well, the next Jennifer Lopez.

J. Lo is also a business maven.

Just like Rihanna.

See my post Rihanna from music maven to mogul

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Aside from her musical and acting talents, Lopez is also a savy businesswoman. In 1998, she founded her clothing line that currently sells swimwear, eyewear, and fragrances. In 2004, her brand earned $300 million in revenue, making J. Lo the 19th richest person under 40, according to Fortune.

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A decade later, in 2012, J. Lo set out for her first worldwide tour, the Dance Again World Tour. After 78 shows, this would be Lopez’s highest-earning tour, and she pocketed $50,362,300, according to Money Nation.

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If you look at the difference in her first tour in 2001 and her one in 2012 ($765,000 to $50,362,300), you will notice it took over a decade to earn this type of money.

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Angel Eyes 2002

What does that tell me?

That building wealth TAKES TIME.

It took me 6 years to go from saving $1 a day to $50 a month to $15,000 a year!

I make a goal and then chart a course to get there no matter how long it takes.

Just like Jennifer Lopez.

Between her current residency in Las Vegas and worldwide clothing line, J. Lo is hardly short on funds.

On January 20, 2016, she debuted at Planet Hollywood Resort & Casino her “All I Have” residency, dazzling fans with sequined pieces and elaborate sets.

On August 13, her shows reached an incredible milestone: $1 million in ticket sales, the highest grossing show in Planet Hollywood’s history, according to Billboard.

Between June 2016-June 2017, Lopez made $38 million dollars, consequently landing her at the #11 spot on Forbes’ Highest-Paid Female Celebrities of 2017. She’s also already made an estimated $47 million in 2018, according to Forbes.

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Jennifer Lopez performing with Pitbull
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Given her newly announced acting project, anticipated 9th album and a just-released makeup line, Jennifer Lopez will likely only see her cash flow increase.

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All I have to say about JLO is this: Veni, vidi, vici. Latin translation: “I came; I saw; I conquered.”

Well Jennifer Lopez came, saw, and conquered show business.

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In the illustrious words, and famous favorite saying of Selena: โ€œYou go girl.โ€

I have learned a lot from Jennifer Lopez. That with hard work, drive, passion, determination, consistency, and persistence you can achieve great things.

However, what I have learned most of all…is that she is still Jenny from the Block. ๐Ÿ˜‰

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For more posts I have written about the self-made you can check out my other posts

Dwayne Johnson: The Rock Solid and The Fast and The Furious Way To Make Millions

Halle Berry on success and failure: Why She and I Continue To Save So Much

Halle Berry on success and failure: Why She and I Continue To Save So Much

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Beauty is not just physical. – Halle Berry

I agree that beauty is not just physical. Beauty has many forms, and I feel that confidence, self-respect, and loving yourself are some of them.

These are some other beautiful things to behold:

  • A child at play; while living in a safe neighborhood.
  • Reading a book on a beach at 1 oโ€™clock in the afternoon.
  • Taking a nap in a hammock.
  • Walking in Central Park.
  • Seeing the sun come up while vacationing on the lake.
  • Seeing the sunset on the beach.

However, all of those beautiful things, albeit free; still cost money to be able to do and enjoy them.

Many of these things require that you have some form of prosperity or relative financial cushion to enjoy creature comforts that can easily be taken for granted such as taking a nap in the afternoon beyond the age of five.

Instead of having some semblance of wealth, you will need to actually have a few coins in the bank in order to have any sort of comfort EVER.

That being said, I had to stop and think. Why Do I Save So Much?

I remember reading an article in which they decided to pose this similar type of question to Academy Award winning actress Halle Berry who is worth an estimated $80 million.

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She answered that the reason she saves is because she knows the business she is in (showbiz) this Hollywood stint may all come to an end one day. Specifically, she says that she saves because she never knows “when this trip will end.” And that she wants to have enough savings to make sure she is secure, comfortable, and financially independent when the paychecks stop pouring in and the fame starts to wane. In addition, she carries tons of life insurance.

I too carry tons of life insurance!

If itโ€™s good enough for Halle, then itโ€™s good enough for me.

Halle is a saver.

Here is why I am a saver too.

WELCOME TO THE GOOD LIFE

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When I was a kid, my mother told me that if you could not be a good loser, then there’s no way you could be a good winner. – Halle Berry

There’s a place in me that can really relate to being the underdog. – Halle Berry

I always had to prove myself through my actions. Be a cheerleader. Be class president. Be the editor of the newspaper. – Halle Berry

By the time I left school, I had a lot of tenacity. – Halle Berry

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If you think money will change who you are, then think again. Money just gives us a bigger stage to project who we already are.

Will Smith said it best: โ€œMoney and success donโ€™t change people; they merely amplify what is already there.โ€

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Many people may not know this but Halle Berry was elected Homecoming or Prom Queen at her high school. It was predominantly white. Not believing that she had won, the other contestant asked for a recount. Halle agreed. Halle won again. She demanded another recount. Halle refused. Halle then graciously accepted her crown.

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If you think about that, you can see from a young age that Halle has always had to work for what sheโ€™s got. Being PRETTY is not enough!

I actually was on my school newspaper. It was one of the only times in high school that I did not feel like I was being judged and I had some say in what was going on around me. I too have always had to prove MYSELF!

I get it. No one believes what they canโ€™t see. Seeing is believing.

However, I was actually working towards my goals โ€“ buying a home, getting a bachelorโ€™s, finishing a Masterโ€™s โ€“ all tangible things that people can observe my actions and see me doing such as studying, house shopping, and walking across the stage to accept my diploma.

It was not until AFTER I had done all those things that people started to take me more seriously and show me SOME RESPECT!!

It just would have been nice to get a little more of it while I was the UNDERDOG and working towards MY GOALS with people around me that had WAY MORE PRIVILEGE.

I paid WAY LESS than $50,000 for a degree.

I paid WAY LESS than $1 million for a home.

I did that because I knew what I could afford and that I didnโ€™t want to be in debt forever.

I wanted freedom. And that doesnโ€™t come cheap. You have to EARN your freedom through work.

CAREER IS IMPORTANT

Career is important, but nothing really supersedes my roles as a mother. โ€“ Halle Berry

I never wanted to be a model. My modelling career was nothing but a stepping stone to my acting career and that’s all I ever saw it as. A pointless rock in the river that has to be stepped on in order to get to the meaningful oasis of acting. – Halle Berry

Throughout my career I have been talked out of things I wanted to do, and when I look back, I think I should have followed my instincts. – Halle Berry

What’s the worst that can happen? If it doesn’t do well I can put on my big girl panties, deal with it and move on. – Halle Berry

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I have learned that having a CAREER and not just a JOB is important.

A job is what you do to pay the bills.

A career is what you do when you have passion for something and can skip to work.

I decided at the age of 15 to get my degree as a STEPPING STONE towards a career. I ended up working in Financial services which is right up my alley as you can tell from this blog. ๐Ÿ˜‰

However, I have mostly done the things I wanted to do and rarely let myself get talked out of those things. Maybe that is why I am so happy.

The secret to happiness: Do the things that make you happy and donโ€™t do the things that make you unhappy. The End.

No matter what. Good or Bad. MOVE ON. Keep moving forward. Itโ€™s like Ariana Grande says, โ€œthank you, next.โ€

I knew if I wanted to make more than minimum wage that I had to get some skills or education. Not knowing what trade to do I went for the degree. I knew not to just drift or stand still.

I didnโ€™t want to end up at 35 with no savings, no home, no family, and no decent job.

I had no shame working as waitress to make ends meet until I could do better. I was making about $2.39 an hour plus tips.  

Now Iโ€™m making and saving more than 40% of my income.

All things come in time.

BEAUTY FADES

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Let me tell you something – being thought of as a beautiful woman has spared me nothing in life. No heartache, no trouble. Love has been difficult. Beauty is essentially meaningless and it is always transitory. – Halle Berry

While being called beautiful is extremely flattering, I would much rather be noticed for my work as an actress. – Halle Berry

A person’s self-esteem has nothing to do with how she looks. – Halle Berry

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Your preaching to the choir. Tell me something I donโ€™t know. Beauty is transitory alright meaning it is not permanent. CORRECT.

As you age, you will change. It is inevitable. So you need to be able to do something more than stand still, look pretty, and to quote Miss Congeniality, โ€œbe on stage with nothing to do but convert oxygen into carbon dioxide.โ€ Haha

So enjoy your life! And pass me some more pizza ๐Ÿ˜‚

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INNER PEACE

The first step is clearly defining what it is you’re after, because without knowing that, you’ll never get it. – Halle Berry

If you set out to do something and you give it your all and it doesn’t work out, be willing to modify your goal slightly. Have the ability to look in another direction. A small shift could guide you to the real purposes of your life. – Halle Berry

There have been so many people who have said to me, ‘You can’t do that,’ but I’ve had an innate belief that they were wrong. Be unwavering and relentless in your approach. – Halle Berry

I’m not afraid of portraying anything on-screen. – Halle Berry

I’m just going to live my life and be who I am. – Halle Berry

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If you are a wrestling fan, then you have heard of the moniker BE FEARLESS from the Bella Twins.

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And that is how you should live your life. Be fearless. Be relentless in your pursuits. But always try to do the right thing.

During an interview for the cover of the April issue of InStyle, which hit the Internet on March 12, Ciara said, โ€œIf you want to get somewhere in life, you’ve got to have a compass. You’ve got to know where you really want to get to.โ€

I have a pretty strong professional and Morale Compass. I try to, like Spike Lee says, โ€œDo the right thing.โ€

If you read my last post on The Rock, then you know that being who you are can get you far in this world, but nothing happens without a dint of hard work.

See my post on The Rock

Academy Award winning actress Catherine Zeta-Jones said in the book Rise and Grind that she informed her parents at a young age she wanted to be an actress. They did not approve until she got them an appointment with her school guidance counselor.

They informed her parents that Catherine would never be satisfied with being an accountant as she is too artsy. Let her PURSUE her passion. Since Catherine was a good child and student, they agreed to let her pursue her dreams and would support her!

At that point my mouth drops open. You could hear crickets and a pen drop. I could not believe it. All that from a conversation. WELL DONE! Never underestimate the power of your words.

AGE AIN’T NOTHING BUT A NUMBER

I see women in their 30s getting plastic surgery, pulling this up and tucking that back. It’s like a slippery slope – once you start you pull one thing one way and then you think, ‘Oh my God, I’ve got to do the other side.’ – Halle Berry

I’m not sad at all about turning 40. – Halle Berry

I’m not a fanatic about exercising. For me, it’s about moderation and balance. – Halle Berry

I think I am at my best when my hair is short. It’s easier to take care of and more of who I am. Women are conditioned to think we need long hair. – Halle Berry

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I think it’s always best to be who you are. – Halle Berry

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Be who you are.

If you ever saw the 1997 movie Selena starring Jennifer Lopez, then you may remember the scene where Abraham Quintanilla (played by James Edward Olmos) says that he learned a very important lesson in life, which is that you have to be who you are.

That is not just wisdom in old age talk. That is the TRUTH.

Everythingย  have that was GOOD came from me being WHO I AM. Whatever you do or whomever you areโ€ฆOWN IT!!!!

SUCCESS AT LAST OR IS IT?

Don’t take yourself too seriously. Know when to laugh at yourself, and find a way to laugh at obstacles that inevitably present themselves. – Halle Berry

I know I’m only one human being and I’m only making one tiny contribution and it’s nothing more than that. – Halle Berry

I think there’s a certain level of trust that I have with women. I’ve always been honest, even when I haven’t had good times in my life or my movie bombed or I’ve had great success. I’ve owned up to all of it. – Halle Berry

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People win Oscars, and then it seems like they fall off the planet. And that’s partly because a huge expectation walks in the room and sits right down on top of your head. The moment I won the Oscar, I felt the teardown the very next day. โ€“ Halle Berry

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I repeat, whatever you doโ€ฆOWN IT!

Iโ€™m told that I am sassy and dominating. I take that as the compliment I know it is supposed to be. ๐Ÿ˜‰

Well this sassy Miss started doing the following with her money:

Savings Year Monthly Savings Amount End of Year Total Savings
2013 $50 $600
2014 $100 $1200
2015 $150 $1800
2016 $250 $3000
2017 $333 $3996
2018 $1,111.04 $13,333.06
2019* $1,211.09 $14,533.06

As of this writing, I am on track to save $15,000 for 2019.

I have already set a saving goal of $16,000 for 2020.

I always look to the future because it is coming one day after all. So I set savings goals for the coming years of 2021-2025 of $17,000+ each and every year. My ultimate goal is to save $20,000-$25,000 each year. That would allow me to save $100,000 every 4 to 5 years.

I also believe in donating money to good and charitable causes like Halle.  

This is what Halle told MainStreet: โ€˜Many people utilize charitable giving as a great tax write off, and it is. But more than that, for me, charitable giving is a financial investment in the human spirit. When we invest in each other, we invest in ourselves. There is no single investment that I have pursued that has brought a greater return, than helping someone who needs it.โ€™

Well said, Ms. Berry.

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So now you know why I save so much and how much I save.

And why you should too. ย 

Dwayne Johnson: The Rock Solid and The Fast and The Furious Way To Make Millions

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โ€œSuccess isnโ€™t always about โ€˜Greatnessโ€™, itโ€™s about consistency. Consistent, hard work gains success. Greatness will come.โ€ โ€“ Dwayne Johnson

Well unless you have been living under a Rock, then you have heard of the name Dwayne โ€œThe Rockโ€ Johnson.

One of the most successful wrestlers to come out of the WWE of all time.

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The Rock is an inspiration to millions with his good attitude, humility, and great sense of humor. One of the hardest working men in show business today.

If there is a movies coming out, then The Rock either auditioned for, saw the script, produced, or is starring in it. I mean the guy has a movie coming out like every two weeks!

He recently made headlines in January 2019 for not getting cast in Crazy Rich Asians?!!

As he worked with the filmโ€™s director, Jon M. Chu, in the 2013 sci-fi action film โ€œG.I. Joe: Retaliation,โ€ with Bruce Willis.

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Regardless, The Rock isnโ€™t low on cash by any means.

He has an estimated net worth of over $150 Million.

On my continued journey toward studying the self-made, the man du jour is Dwayne Johnson.

Full Disclosure: I located numerous interviews, read magazine articles, and reporting on The Rock. One of the best came from Wonderwall.

So here we go.

Get your popcorn ready cause this is a long one.

Iโ€™m about to open up The Rockโ€™s wallet and give you a peek inside.  

Letโ€™s smell what The Rock is cookinโ€™ in his bank books shall we?

THE ROCK BEGINS: CAUGHT BETWEEN A ROCK AND A HARD PLACE

Dwayne Johnson, was born in California on May 2, 1972. Although he grew up poor in Hawaii, he is now one of the richest men in Hollywood, but the poverty he faced during his childhood is never far from his mind.

Case in point, On Thanksgiving 2017, The Rock revealed in a lengthy Instagram post that “there was a time back in ’87 when we couldn’t even afford Thanksgiving dinner and [were] praying someone would invite us over their house to eat.”

Due to his fatherโ€™s work as a professional wrestler, the family was constantly in flux and bouncing around from place to place.

Wrestling is in The Rockโ€™s blood.

Wrestling is actually the Johnson family business — his father Rocky Johnson was a star in the 1970s and ’80s, while his Samoan grandfather Peter Maivia was famous in the 1960s.

As his mother was unable to keep a steady job because of this, they went through hard times.

HARD KNOCK LIFE

In another IG post, in May 2015, the wrestler-actor revealed on Instagram that “when I was 14yrs old we were evicted out of our apartment in Hawaii ’cause we couldn’t afford the $180 per week rent.”

In 2014, he told The Hollywood Reporter that a week before they were evicted, he watched his mother’s car get repossessed. He reportedly added to her troubles by joining a theft ring that targeted affluent stores in Waikiki.

In addition, he stated in another interview that they were so broke that his mother doesnโ€™t remember walking out into incoming traffic before he pushed her out of the way.

It was at that moment he decided to make changes in his life. He said to himself, โ€œWhat can I do with these two hands?โ€ That is when he decided to start working out.

“The successful menย I knew wereย men who built their bodies.” – The Rock

He also stated while growing up people thought he was a girl and that they referred to him as one โ€œall the time.โ€

KICK ROCKS

โ€œIโ€™ll never, ever be full. Iโ€™ll always be hungry. Obviously, Iโ€™m not talking about food.

Growing up, I had nothing for such a long time.โ€ โ€“ The Rock

The Rock is now one the biggest movie stars in the world. But before the A-list super-stardom and even before his WWE debut, Dwayne Johnson was just a guy that was down on his luck.

He decided that he wanted to play football. He worked tirelessly and gave everything he had to the sport. His hard work paid off.

Johnson was a promising football prospect and received offers from many Division I collegiate programs. After finishing high school in Pennsylvania, he went on to play college football. He decided on a full scholarship from the University of Miami, playing defensive tackle. In 1991, he was on the Miami Hurricanes’ national championship team.

The 6-foot-5, 290-pound Johnson started only once, appearing in 39 games with a total of 77 tackles and 4.25 sacks. With muscles on top of muscles, he was a sight to behold. He was a physical specimen from Day 1.

It was once quoted about The Rock, “He was a jack-of-all-trades, but only a master at wrasslinโ€™.

Ed Orgeron, University of Miami defensive line coach (1989-1992), once had this to say about The Rock.

“His uncle was Jimmy Snuka, he came from a wrestling family. So we knew about that.

“I remember one-day walking off the field, he hadnโ€™t had a good day and I said something like, ‘You know, Dwayne, you should just become a wrestler.'”

Warren Sapp, NFL pro football 2013 Hall of Famer, said this of playing football with The Rock.

“So we used to joke with him by saying, ‘When you get done with football, youโ€™re going to go into wrestling, right?’

“And heโ€™d say: ‘Damn right, bitch.’

Everyone always had the same thing to say about Johnson, he was charismatic, humble, and down-to-earth.

The Rock would go on to complete a bachelor of general studies degree. But his football career was coming to an end around the same time his academic career did.

WRESTLING WITH $7 BUCKS

โ€œ1995. $7 Bucks In My Pocket. I Knew Two Things: Iโ€™m Broke As Hell and One Day I Wonโ€™t Beโ€ โ€“ The Rock

In 1995, Dwayne Johnson signed with the Canadian Football League’s Calgary Stampeders at a yearly salary of $35,000. According to The Hollywood Reporter, after just two months, he got knocked down to the practice team, which paid just $250 a week.

That had to hurt!

During that time, he reportedly shared a two-bedroom apartment with three other players, “eating ramen noodles and spaghetti and sleeping on a filthy mattress he had found ditched outside a pay-by-the-hour sex motel,” wrote THR. When he was cut from the team not long after that, he had just $7 to his name.

This is when he decided to become a wrestler. He begged his father to show him the ropes. Get it ๐Ÿ˜‰

Dwayne Johnson made his WWE debut in 1996, becoming the first third-generation wrestler in the league. (His father, Rocky Johnson, and his maternal grandfather, Peter Maivia, were both professional wrestlers.) He quickly became one of the sport’s biggest stars. According to Fortune, during his second year in the WWE, The Rock made enough money to accomplish a childhood dream: He bought his first Rolex. (He smashed the $35,000 timepiece in the ring just a week later.)

I mean, wow!

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โ€œWhen You Walk Up To Opportunityโ€™s Door: Donโ€™t Knock It. Kick That Bitch In, Smile and Introduce Yourselfโ€ โ€“ The Rock

Dwayne Johnson officially transitioned to Hollywood in 1999, the year he played a version of his father, wrestler Rocky Johnson, on “That ’70s Show,” where he got to act out with Topher Grace as Eric Forman.

The following year, he channeled his wrestling alter ego (complete with cocked eyebrow) to portray an alien gladiator on an episode of “Star Trek: Voyager.” A month later, he hosted “Saturday Night Live” for the first time. Each of these television appearances — as well as a few others — helped him prove his acting chops and win fans outside of the wrestling world.

The peopleโ€™s champ was becoming the acting champ.

Things started really moving steadily from there for The Rock.

In 2000, Dwayne Johnson released his memoir “The Rock Says…,” which debuted at No. 1 on The New York Times bestseller list.

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Keep in mind, Writing isn’t generally a high-paying gigโ€”unless you happen to be the top-selling author.

Fun Fact: While this gains the coveted “NYT BESTSELLER” status for the authors, it doesn’t net a lot of money. There are weeks in the year where you can make the NYT list with as few as a couple of thousand sales.

According to Career Trend, Given the royalties of a standard contract, an author selling 20,000 books priced at $25 would earn $65,625 the first week on the “New York Times” best-seller list. This is not quite the millions superstar authors bank, but if the book continues to sell, these earnings add up to an impressive income.

Then The Rock hit pay dirt. He booked a starring role in a major Hollywood film.

ย In 2001, Dwayne Johnson made his feature-film debut as The Scorpion King in “The Mummy Returns.” He reportedly banked $500K for his brief appearance in the action-adventure sequel to 1999’s “The Mummy.” His work in the film was so popular, he scored his own spinoff.

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THE BUSINESS OF BEING THE ROCK

The Road To Success and Greatness Is Always Paved With Consistent Hard Work. Outwork Your Competitors, Be Authentic And Above All Else. Chase Your Greatnessโ€ โ€“ The Rock

Dwayne โ€œThe Rockโ€ Johnson rose to fame thanks to his exploits in the pro wrestling ring and got his first big break in the movie business as the Scorpion King in 2001โ€™s โ€œThe Mummy Returns.โ€

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He holds the Guinness World Record for highest paid for a movie debut, as he received a $5 million-dollar paycheck for his role.

In 2004, Dwayne Johnson left the WWE to focus on his Hollywood acting career. The following year, he earned raves for his performance as a gay cowboy bodyguard and aspiring actor in “Be Cool.” Further signaling his transition from professional wrestler to serious actor, he was credited as Dwayne “The Rock” Johnson instead of just “The Rock” for his work in 2006’s “Gridiron Gang.” With 2008’s “Get Smart” — at the urging of his agents at CAA — he officially changed his stage name to Dwayne Johnson.

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CAA, short for Creative Artists Agency, is also one of the biggest entertainment agencies in the world.

GIVING BACK

โ€œI Like To Use The Hard Times in The Past, To Motivate Me Todayโ€ โ€“ The Rock

In 2006, Dwayne Johnson and then-wife Dany Garcia, who fell in love while they were students at the University of Miami, donated $2 million to their alma mater to help fund a renovation to the school’s alumni center. In 2007, they donated $1 million to the college’s Football Facilities Renovation Fund, which was reportedly the largest donation ever from a former student to the university’s athletic department. The University of Miami renamed their football locker room in his honor: It’s now the Dwayne “The Rock” Johnson Football Locker Room.

If that is not karma coming full circle, then I do not know what is! From getting cut from a football team to having a university athletic department named after you. Totally badass!!!

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PERSONAL DIFFERENCES

In 2008, Dwayne Johnson and college sweetheart Dany Garcia divorced after 10 years of marriage and one daughter, Simone. The same year they split romantically, Dany became her ex’s manager. “I was already deeply involved with his agents, I was already commenting on scripts. It was a very natural conversation, where he just said to me, ‘I would love for you to do this full-time,'” she told Marie Claire in 2017.

PERSONAL DIFFERENCES ASIDE, KEEP ON TRUCKINGโ€ฆALL THE WAY TO THE BANK

In 2010, Dwyane Johnson portrayed star police officer Christopher Danson in “The Other Guys.” He reportedly earned $9 million for his role in the action-comedyโ€ฆ. even though (spoiler alert!) his character gets killed off just 15 minutes into the movie.

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Dwayne Johnson executive produced the 2010 documentary “Racing Dreams.” The film, which centers around young drivers chasing the kart racing championship title, marked The Rock’s debut as a producer.

I mean, does this guy ever stop working?!!! Now heโ€™s a producer.

In 2011, Dwayne Johnson parted ways with CAA, whose agents had urged him to distance himself from the wrestling world. He signed with WME and legendary agent Ari Emanuel (on whom Jeremy Piven’s “Entourage” alter ego, Ari Gold, is based), and officially returned to the WWE that February.

You see that. He trusted his instincts and listed to himself, not just the advice of his management team. Others may help you along your journey, but ultimately you make the final decision. ALWAYS!!!

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He appeared in a number of big WWE events over the course of the next few years and, according to some reports, banked $3.5 million per year for his efforts. Apparently, he was worth every penny: “We set pay-per-view buy-rate records and attendance records each time,” he gushed to Fortune of his big return to the WWE. In April 2016, the league confirmed that WrestleMania 32 set a new attendance record for the WWE with 101,763 fans in the crowd at AT&T Stadium in Arlington, Texas.

Would you look at that?

Setting records. Smacking down candy asses. Being eye candy. Raising eyebrows and rising paychecks.

That is my description of The Rock!!

FAST AND FURIOUS MONEY

โ€œLet Actions Do Your Talkin For You, (Unless Youโ€™re Telling A Good Dirty Joke)โ€

In an Essence magazine article, he was asked what he was wearing while talking over the phone. His answer: A thong. Backwards. ๐ŸคฃYour boy has got jokes!!!

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The Rock is now taking life a quarter mile at a time.

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In April 2011, Dwayne Johnson made his film-franchise debut as Luke Hobbs in “Fast Five.” At the time, the fifth installment in the “Fast & Furious” franchise had the top opening weekend of any film ever to open in the month of April, though that record has since been beat. He went on to appear in the next three films in the series and has become such a fan favorite that he and Jason Statham scored their very own spin-off movie, “Hobbs and Shaw,” which is scheduled for release in the summer of 2019.

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SEVEN BUCKS PRODUCTIONS

In 2012, Dwayne Johnson and ex-wife Dany Garcia co-founded their own production company, Seven Bucks Productions — a nod to that time the wrestler-actor found himself with just $7 to his name after getting the boot from the Canadian Football League. The company has produced several of The Rock’s recent films including “Jumanji: Welcome to the Jungle,” “Baywatch,” “Rampage” and “Skyscraper” as well as the TV shows “Ballers,” “The Hero” and “Wake Up Call.”

One of my personal favorite television shows I have ever seen The Rock do was the show โ€œWake Up Call.โ€

Dwayne ‘The Rock’ Johnson: At 23, I Had Only $7 In My Pocket โ€” Then I Turned My Life Around

According to Business Insider, โ€œIn TNT’s new show “Wake Up Call,” Dwayne “The Rock” Johnson lends a helping hand to everyday people who are facing enormous challenges in their lives. From dysfunctional homes and dead-beat dads to sports teams that don’t gel and businesses struggling to survive.โ€

MILK DOES A BODY GOOD

Dwayne Johnson starred in a commercial for the “Got Milk?” campaign that debuted during the Super Bowl on Feb. 3, 2013. He appeared in more advertisements for the campaign later that year.

He’s steady cashing them checks!!!๐Ÿ’ฐ Cha ching! ๐Ÿ˜‚

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Dwayne Johnson made his reality TV debut on the TNT competition series “The Hero” in June 2013. He hosted all eight episodes of the short-lived show. The following year, The Rock returned to the network with the eight-episode series “Wake Up Call,” which tracked his efforts to help average Americans transform their lives. His third stab at reality TV, “The Titan Games,” is scheduled to debut on NBC in January 2019. According to an official synopsis, the competition series (which is in the vein of “American Gladiatiors”) is inspired by the wrestler-actor’s “desire to motivate global audiences to reach their potential both mentally and physically.” Hopefully it fares better than its predecessors!

You can say that again. Heโ€™s been cancelled more times than checks!

BLOOD, SWEAT, AND RESPECT

โ€œBlood, Sweat and Respect. First Two You Give, Last One You Earnโ€ โ€“ The Rock

According to Fortune, movies in which Dwayne Johnson appeared made $1.3 billion at the worldwide box office in 2013 — more than any other actor that year. To be fair, he starred in four movies that debuted in 2013: “Snitch,” “G.I. Joe: Retaliation,” “Pain & Gain” and “Fast & Furious 6” (pictured).

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My absolute favorite film in The Fast and The Furious franchise is Fast Five. It earned over $500 million in box office receipts. It set the stage for the billion-dollar franchise. This was a huge record at the time in 2011 for the film and The Rock most certainly helped put butts in those theater seats!

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In 2014, The Rock starred in Hercules. It was a big budget film that cost $100 million USD to make. It grossed over $244 million at the box office, but was not the money maker studios would have liked.

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To be fair, I saw the film. I thought it was excellent. Solid performances by The Rock and the whole cast. My absolute favorite was Ingrid Bolsรธ Berdal. She was outstanding in the film. She was the Legolas of the film. You know the role that made Orlando Bloom famous in The Lord of the Rings franchise.

You know how it goes: “One Ring to rule them all, One Ring to find them, One Ring to bring them all and in the Darkness bind them.”

Or DC Comic Universeโ€™s The Arrow.

Like Jennifer Lawrence in The Hunger Games, she too uses a bow and arrow. You know it is always the coolest party people that use the infamous bow and arrow and that is because it takes REAL skill.

โ€œWith Drive And A Bit Of Talent, You Can Move Mountainsโ€ โ€“ The Rock

In May 2015, Dwayne Johnson starred as a rescue helicopter pilot in “San Andreas.” He reportedly banked $25 million — the biggest paycheck of his career so far — for his role in the disaster flick. There are reports that the box office hit will get a sequel, though no moves have been made yet on the project.

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Alas, as of this writing, it doesnโ€™t look like the movie pulled in enough dough to make that happen.

“Ballers” debuted on HBO in June 2015. According to Variety, Dwayne Johnson makes $650K per episode of the series — more than any other actor makes on TV aside from the five main stars of “The Big Bang Theory,” who each bank $900K per episode of the CBS sitcom.

As of this writing, The Big Bang Theory (TBBT), will be ending and going off the air in Spring 2019. This stems from Jim Parsons’ decision to leave the series at the end of the season if the show were to be renewed for a thirteenth season. The series will conclude with an hour long finale consisting of two back-to-back episodes on May 16, 2019.

In October 2015, Dwayne Johnson announced that he’d signed on to promote Ford’s service departments. Since then, he’s appeared in several ad campaigns for the motor company.

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In November 2015, Dwayne Johnson reportedly donated $1,500 to a shelter puppy who’d been named after him. The 4-month-old pooch required expensive medical treatment for a heart murmur.

THE BRAHMA BULL GETS INK AND INKS A DEAL WITH UNDER ARMOUR

โ€œSuccess at anything will always come down to this: Focus & Effort, and we control both.โ€ โ€“ The Rock

The Rockโ€™s iconic tattoo.

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The tattoos are beliefs of his ancestors from his fatherโ€™s side and mothers sides. His black culture, his Samoan culture, all cumulates in a belief that the spirit of his ancestors is protecting his family. These tattoos represent great struggle and about overcoming them.

The tattoo on his body comes down to 3 things; his family, protection of his family, and about having a true warrior spirit forever.

Dwayne Johnson launched his partnership with Under Armour in January 2016. The first item from his collaboration with the athletic brand, a duffle bag, sold out within 24 hours. Since then, he’s released everything from clothes and wireless headphones to sneakers through his Project Rock collection for Under Armour. On May 28, 2018, The Rock’s Project Rock 1 shoes for Under Armour sold out in 30 minutes.

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NO FREE APPLE iPHONES OR APPS

Remember in my last post, when I talked about Taylor Swift putting Apple iTunes on blast about free music? No? Thatโ€™s ok. Hereโ€™s the link ๐Ÿ˜‰

Well, now The Rock is working with Apple.

In May 2016, Dwayne Johnson launched an iPhone app, The Rock Clock, that’s essentially an alarm clock that wakes up users with exclusive inspirational video messages from the actor-wrestler. Users can also sync their alarms with The Rock’s so that they too can rise and shine at 4 a.m. every day to start their daily fitness routines. “Our goal was create a free, direct, uncomplicated, cool, motivating app to help us all get after our goals every morning,” the superstar explained on Instagram.

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And remember this? iPhone 7 | The Rock x Siri Dominate the Day | Apple. If you look closely, you will see that fannie pack pic of him while he ‘s driving the Lyft car!!! ๐Ÿ˜‚And in the video his manager calls him DJ. I would love an uncle DJ that can treat me to an ice cream anytime!

AND YOUTUBE

In July 2016, Dwayne Johnson launched his own YouTube channel. Original series on the channel include the cooking show “What The Rock Is Cooking” and “Millennials: The Musical,” a collaboration with “Moana” co-star Lin-Manuel Miranda.

In January 2017, Dwayne Johnson launched Seven Bucks Digital Studios, a branch of his Seven Bucks Productions focusing on developing new original online content.

In April 2017, Dwayne Johnson returned to the role of Luke Hobbs in “The Fate of the Furious.” The eighth installment in the beloved “Fast & Furious” franchise opened worldwide to more than $541 million. At the time, it was the largest global opening of any film ever. (“Avengers: Infinity War” broke the record the following year.)

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In July 2017, Dwayne Johnson starred in an ad campaign for Apple’s iPhone 7 and Siri titled “The Rock x Siri Dominate The Day.”

In September 2017, Dwayne Johnson and ex-wife Dany Garcia launched Seven Bucks Creative, a creative ad agency within their production company, Seven Bucks Productions. In March 2018, the company released its first campaign: two videos promoting The Rock’s Project Rock collection for Under Armour, naturally!

In December 2017, Dwayne Johnson headlined “Jumanji: Welcome to the Jungle.” The reboot of the original 1995 family action flick “Jumanji” was a surprise sleeper hit, becoming Sony’s highest grossing film of all time domestically. It trucked along at the box office for months, becoming the first movie since 1998’s “Titanic” to open in December and top the box office in February. All in all, the film was so successful, Sony ordered another installment in the series for late 2019.

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RAKING IN THE DOUGH BY THE TRUCKLOADS

In February 2018, before writer-director Rawson Marshall Thurber had even penned a script, Universal and Legendary teamed up to win a bidding war for “Red Notice,” which Rawson describes as “a big international heist picture, that is tonally in the vein of ‘Ocean’s 11’ meets ‘True Lies’ by the way of ‘Thomas Crown Affair.'” The two studios agreed to finance the film at $160 million based on a pitch meeting and the fact that Dwayne Johnson is attached to star. (According to Deadline, the deal is the largest for a studio movie in Hollywood so far this year.) The Rock will reportedly bank $22 million plus backend to play “an Interpol agent who is tasked with catching the most wanted art thief in the world.”

In mid-July 2018, Forbes released its list of the world’s 100 highest paid entertainers. Dwayne Johnson came in at No. 5 behind Floyd Mayweather, George Clooney, Kylie Jenner and Judge Judy. “The former wrestler tallied the highest ever acting take-home in Celebrity 100 history, thanks to giant upfront paychecks and a cut of profits on blockbusters including ‘Jumanji: Welcome to the Jungle.’ A huge social following allows him to negotiate an extra seven figures atop his standard contract for promotion, helping nearly double his 2017 earnings,” wrote Forbes. So how much exactly he is taking home in 2018? A whopping $124 million.

At this point, he is making money hand over fist. Just genius right there with his negotiations. I have no words.

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Dwayne Johnson’s generosity is practically legendary. In late July 2018, he took to Instagram to share a video of himself surprising his longtime stunt double (and cousin) Tanoai Reed with a new truck. “Not only does Tanoai represent our family and my career with relentless commitment and passion. He also represents an entire Hollywood stunt community that is truly the backbone of our business,” The Rock wrote in the caption. Giving thanks where it’s due? That’s good business! Over the years, the wrestler-actor also bought a Lamborghini Gallardo for one of his cousins, a Cadillac Escalade for his dad, a Cadillac truck for his mom, a Honda Civic for another cousin, a Lexus SUV for yet another cousin, a Ford F-150 for an uncle and another Ford pickup truck for his longtime housekeeper.

As of August 2018, Dwayne Johnson is the most followed male entertainer on Instagram with 112 million followers.

As of this writing, he now has over 136 million followers on Instagram. He is the king of Insta!!!! He is the undisputed, follower for follower, heavyweight champ of IG!

Two snaps for you Dwayne!!! You Rock!!

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 He’s the seventh-most followed celebrity behind Selena Gomez, soccer star Cristiano Ronaldo, Ariana Grande, Beyonce, Kim Kardashian West and Kylie Jenner. According to Forbes, The Rock “insists on a separate seven-figure social media fee” for every movie in which he appears.” Basically, his social media accounts are worth millions in marketing and advertising dollars.

And that ladies and gentleman is how The Rock built his empire.

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Here is his formula: Blood, Sweat, and Respect + Hard work and Consistency = Success. ย ย 

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And that’s how it’s done.

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Money and Chocolate: Life Lessons from the film The Witches

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The most sophisticated people I know – inside they are all children. โ€“ Jim Henson

If you ever saw the film Willy Wonka and the Chocolate Factory, then you know how much people love chocolate. And it can be a goldmine business or chocolate mine depending on how you look at it. ๐Ÿ˜‰ People were losing their minds to get that golden ticket.

Chocolate Mania had swept the nation! ๐Ÿ˜‚

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It was pure marketing genius. They even commented on that in the film. Wonka was making a mint selling those chocolate bars. Itโ€™s all about marketing folks!

Itโ€™s sort of like Patron. They donโ€™t have the best tequila; they just have the best marketing. Get that money.

Just look at all the money the candy business makes! Billions!

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Here are some of the top chocolate companies in the world.

1. Mars Inc., McLean, VA., USA.

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2. Mondelรฉz International Inc., Deerfield, Ill.

Largest Chocolate Manufacturers

3. Nestlรฉ SA, Vevey, Switzerland.

Largest Chocolate Manufacturers

4. Ferrero Group, Alba, Italy.

Largest Chocolate Manufacturers

5. Hershey Foods Corp., Hershey, Pa., USA.

Largest Chocolate Manufacturers 2019

6. Meiji Co. Ltd., Tokyo, Japan.

Largest Chocolate Manufacturers

7. Chocoladenfabriken Lindt & Sprรผngli AG, Kilchberg, Switzerland.

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The confectionery business is big money. These companies are raking in billions of dollars.

Did you know Snickers earns more than $2 billion by itself annually?

The ะœะฐrั• fะฐmั–lั–ะตั• ะฐrะต thะต ะพwnะตrs ะพf thั–ั• ัะพmั€ะฐnัƒ thะฐt ะพั€ะตrะฐtะตั• wะพrldwั–dะต. ะขhะตัƒ hะฐvะต wั–dะต vะฐrั–ะตtั–ะตั• ะพf brะฐndั• ั–nัludั–ng Gะฐlะฐั…ัƒ, ะ’ะพuntัƒ, ะœ&ะœ, ะขwั–ั…, ะœั–lkัƒ Wะฐัƒ, ะฐnd ะ…nั–ัkะตrั•. Globally they are making bank!

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They may have even helped spread the letโ€™s have candy at every event or holiday cheer. If not, I am sure they somehow found a way to cultivate and capitalize on Halloween and even Christmas.

Who says you need a box of chocolate on Valentines?!!! Most people donโ€™t even eat most of it. That box of chocolates is still bought and paid for!

If you ever saw the film Legally Blond, you actually saw her do what most do with a box of variously filled chocolates. That’s right. She took a bite and put it BACK in the box!

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Reese Witherspoon in Legally Blond

Mondelez International Inc. even tried to cash in on this love of chocolate. However, they have officially abandoned its pursuit of Hershey Co., which would have created the biggest confectionery conglomerate in the world.

Now that you have some background on the business of chocolate, letโ€™s get down to money affairs.

Back in 1990, the movie, The Witches, based on the 1983 children’s novel of the same title by Roald Dahl, was released in theaters. The movie premiered on 25 May 1990, in London and was scheduled to open the same day in the United States, but was delayed until August.

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Sadly, it would be Muppet and Fraggle Rock creator, Jim Hensonโ€™s last film.

As in the original novel, the story features evil witches who masquerade as ordinary women and hurt children. However, a boy and his grandmother need to find a way to foil and destroy them.

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The witches decide they will open up, get this, chocolate shops to lure poor unsuspecting children.

This is where the story begins.

GUARDIANS OF THE MILKY WAY GALAXY

While on vacation in Norway, eight-year-old American boy Luke Eveshim is warned about the witches, female demons with a boundless hatred for children and various methods of destroying or transforming them.

Helga, Lukeโ€™s Grandmother, becomes his legal guardian after the passing of his parents. They move to England. His grandmother is advised to take a vacation for a summer by the sea for fresh air after discovering she has diabetes.

Also staying at the hotel are a convention of witches, masquerading as the Royal Society for the Prevention of Cruelty to Children, with the Grand High Witch, the all-powerful leader of the world’s witches, attending their annual meeting under the name Eva Ernst (played by Academy Award Winner Angelica Houston).

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Really? They have some nerve naming their coven the Prevention of Cruelty to children. Hiding in plain sight like that, but open to interpretation. Yes, indeed.

Let us examine the fact that Luke had a grandmother that not only decided to raise him, but has the financial means to take a vacation by the sea.

I have it on good authority that if you try to rent a house on Virginia Beach for a week it can set you back $5,000!

I wouldnโ€™t mind paying that if I had investments like interest earned from stocks or royalties to pay for it.

If you have $25,000, you could earn over 2 percent in a high yield savings account. Thatโ€™s the ish Iโ€™m talking about right there. Making money for breathing. That is the equivalent of doing a part-time gig and earning $500 a year.

I find the idea of earning money just for having a pulse so sexy. ย I find that Itโ€™s like Beyoncรฉ says in her song Rocket. Shhh. Just listen.ย  To the words. Hell yeah, you the sh*t Thatโ€™s why youโ€™re my equivalent So sexy! Haha

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See my posts

How Beyonce and Jay-Z became a $1 billion couple

Earn Money with High Yield Savings Accounts

FOR THE LOVE OF CHOCOLATE

The witches are going to open up chocolate shops!

Inside a ballroom where the witches hold their meeting, Luke spies upon them as the Grand High Witch unveils her latest creation: a magic potion to turn children into mice, which they will use on confectionery products in sweet shops and candy stores to be opened using money provided by her.

They know how to make their vision a reality.

You have to chart a course and follow that path to where you want to go. What path? You just point to the top and go! Thatโ€™s what I learned from Dwayne โ€œThe Rockโ€ Johnson ๐Ÿ˜‰

I have also learned that when you own something to hold onto it.

It doesnโ€™t matter of it is a taco stand, food truck, or blog. If you own 100%, then itโ€™s yours to do with as you wish. Hold on to as much equity and ownership in your company as possible. I learned that from Shark Tankโ€™s Daymond John. Like McDonald’s does to its hamburgers, keep grinding.

And try to be cash heavy. Meaning stay away from debt. I learned that from Warren Buffet. ๐Ÿ˜‰ They say his company Berkshire Hathaway aims to keep $1 billion or more in cash to snap up businesses and be able to make quick decisions when buying stocks.

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In addition, they say Apple does the same. The worldโ€™s first EVER $1 trillion-dollar company keeps billions in cash.  

Therefore, you should do the same and follow in their example. ALWAYS have cash reserves. NO EXCUSES!!!

Like Mr. Money Mustache once said, โ€œSalads and barbells every day, no goddamned excuses!!!”

WE ALL WANT TO BE ROYALS

And I donโ€™t mean Prince William and Kate Middleton.

I mean getting royalty checks in the mail.

I saw an article in which Don McLean owns only 2 stocks: Google and Amazon.

I also recently read that Don McLean continues to receive royalties off his music he wrote almost 50 years ago. Yes, this artist still makes $300,000 per year from something he created in 1971.

In the article by Sovereign Man, it retells McLeanโ€™s story.

Early spring in 1971 when an obscure American folk singer wrote a song that would change his life forever.

Sitting at a cafรฉ in Saratoga Springs, New York, Don McLean scribbled the lyrics to a long ballad about an experience he had as a 13-year-old boy.

It began with a radio bulletin that said that Buddy Holly had died in a plane crash. In 1959, when this happened they called it the day the music died. The boy was crushed. But the man used this emotion to write a song that would take the world by storm.

Of course, that song was โ€œAmerican Pie.โ€

It stayed atop the Billboard music charts for more than a year. And it turned this once obscure folk singer into a global sensation.

Ah yes, the power of the pen.

More than that โ€“ McLean was immediately set for life: he still makes more than $300,000 a year from that song.

Imagine getting paid hundreds of thousands of dollars a year for something you did in 1971!

That is what stocks can do for you! That is why we must invest. Unless you can write the next hit song for Beyoncรฉ, you must invest in the stock market to make money on your money. You already earned it and now your money works for you and this is your equivalent to getting royalties.

This story holds the key to one of the greatest business models ever invented: the idea that you can create something once and get paid on it for life.

“The idea is not to live forever, it is to create something that will.” โ€“ Andy Warhol

For more information on the price of genius and Andy Warhol, see my post The Man Behind the Mohawk: An Interview with Budgets are Sexy.

Itโ€™s the royalty business. Thatโ€™s right. I did the work like 20 years ago. Now cut the check!

In case youโ€™re not familiar with the term, a royalty is a cash payment that you receive over and over again from an asset that you created, developed, or own.

For example, songwriters collect a royalty every time a song they write is played, purchased, downloaded or streamed. Some more than others.

That is why Taylor Swift was mad at Apple iTunes for giving away artists music, such as herself, for free for three months!

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Thatโ€™s why McLean still makes money from American Pie. You have to pay to play. Music that is. In this case anyway.

Royalties are also common in natural resources. Royalty companies often provide financing to oil and mining companiesโ€ฆ and those borrowers pay a royalty on every ounce of gold or gallon of oil that the land produces.

Authors earn a royalty every time somebody buys their book. Inventors receive royalties from their patents. Why do you think Beyoncรฉ trademarked Blue Ivy, Taylor Swift trademarked Swiftmas, and Cardi B is trying to trademark OKrrrrrrr?!!!

Patents equals paychecks. ย 

And people who own royalties donโ€™t have to do anything else to make moneyโ€ฆ except cash the checks.

The powerful cashflow of this model can be incredibly appealing to investors, and there are even some companies that specialize in acquiring assets that produce royalty income.

Therefore, if you are good at something, donโ€™t give it away for free.

Even though I am a HUGE Marvel comics fan, I actually got the last comment mentioned above from DC Comics The Joker. ๐Ÿ˜‰

Itโ€™s still true though. You have to admit.

If I could, I would tap dance on Twitter, if they paid me.

Me and my lipstick confessions charge a premium for the really good stuff.

I would hand draw or smack lipstick stickers ๐Ÿ’‹on Kylie Jennerโ€™s lip kits if she paid me $400.

Joan Rivers wrote jokes for days. She once said jokingly, that she would, โ€œwrite for Hitler for $500.โ€

See my post on Money gems from Joan Rivers

Whatever you do that is great, DONโ€™T DO IT FOR FREE.

Thatโ€™s just my 2 cents. And I take cash, check, or charge.

Iโ€™m like the girl scouts. Out there selling those cookies. You donโ€™t see them giving it away for FREE.

Iโ€™m just saying. Have a plan for your life and your money, then make it happen.

Don’t let anyone tell you what you can’t accomplish or do. No matter how small you are. Even if you are just a kid.

The Witches always remind of that.

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Millionaire Pets: Pets With Their Own Line Of Credit

Cat, Kitten, House, Animal, Pet, Red

After 12 years of reading about personal finance, it never ceases to amaze me all the things you can learn. I not only learn about money, but I also get a history lesson in the process.

Did you know that credit cards have only been in widespread use since the 1950โ€™s?

Before 1950, credit was rare.

Most places did not offer much in the way of credit. They wanted cold, hard cash.

Stores may have provided familiar faces and those in the community with a store credit, but you better believe it was not a $25,000 limit!

I decided to have some fun last summer and see if I could get approved for $5,000 on some random credit card. Well, guess what? I got approved for over $20,000 in credit limits!

However, that pales in comparison to some offers that some people have claimed their pets have received in the mail. You read that right, pets!

I have read numerous books and articles where people have received credit card offers for their pets.

Come on, America! 

If the petโ€™s owner cannot afford a $400 emergency, as the media claims, then how is an unemployed Yorkie going to payback over $50,000. And yes, that is a limit I read one couple stated their dog received. And that was only one offer. They also received others with one being $100,000!

However, there are some pets who earn their keep and make millions for their owners.

This post, for now, will focus on how Fido is able to write checks for his own bone and chew toys that his puppy paws can cash.

MILLIONAIRE PETS

If you read my post 4 Financial Futuristic Nuggets: The Economics of the Jetsons, I discussed Millionaire Pets in that article.

Letโ€™s take this a step further shall we and discuss real life ones!

It was recently reported that celebrity designer to the stars Karl Lagerfeld has passed away last month. He leaves behind an estimated $100 million-dollar fortune. The media was speculating that his cat may inherit a chunk of that money. Holy cow! Or should I say, MEOW!!!

In addition, Real Estate heiress Leona Helmsley left her pet dog $12 Million in 2007. The will was contested and the pet received death threats, which caused money to be diverted for security! Unbelievable! Any who, the pet ended up receiving a mere $2 million after the case was settled. That sure buys a heck of a lot of Puppy Chow!

Can you believe that?! A pet that literally has their own access to a line of credit to pay bills including for their own security guards!

See my post on The Jetsons

CREDIT CARDS: EASY MONEY THE HARD WAYย 

Once credit cards started being more the norm, it exploded!

Once you turn 18, it used to be time to go down to the MVA and sign up to vote. Now, itโ€™s when credit card offers come in the mail.

I remember when I got my very first credit card for $250! I even had a secure credit card for $500. Thatโ€™s a far cry from the $20k, I was approved for last year.

After the 2008-2009 financial crisis, credit dried up faster than nail polish. They were slashing limits faster than prices at Wal-Mart! Then it slowly started creeping back up. As it stands, credit card debt is now higher than it was in 2009!ย  It stands now at over $1 trillion! The current outstanding revolving debt in the U.S. is $1.05 trillion.

The average debt in America has increased 18.5 percent since 2013! In 2015, the average American was in $5,700 dollars of credit card debt. As of the end of 2017, it is up to $6,354.

The laissez faire capitalism in America allows you to actually have access to $100,000 of credit while only making less than half of that.

See my post How to get access to $250,000 in credit with $0 of your own money

 Debt is crippling. It can have long lasting consequences if not handled quickly. You have to pay off debt ASAP.

A guideline I use is anything you have that is under 7%, you do not have to pay off right away if you have other higher interest debt to take care of. However, if that debt is higher than 7%, you need to attack that debt like your financial house is on fire. Your financial destiny is depending on you to get your financial house in order.

Once you have the debt paid off, then you can build your financial foundation on solid financial footing. All the money going to creditors will now stay in your bank account and can be invested.

That is how wealth is built.