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How to Easily Make $200+/hr

Have you ever made a significant amount of money for the hours dedicated to your profession? What if I told you there was a way to make more than you have ever made in your life? Most would be sceptical, but this is no get rich quick scheme. Now let me ask you a few questions about a normal expense I recently had. Getting your oil changed.

This is a common expense every car owner will have to ensure your car doesn’t break down. Most individuals would simply go to their local oil change shop by their home and pay for whatever the cost is of the oil change. Seems the logical thing to do. You need an oil change for your car, so why waste any time. Get in your car and head to the shop. This seems logical, but this is not optimized for your personal finances.

What if I told you there was a way to quickly save money by doing a simple google search for coupons in your local area for oil changes? Upon a simple search that took less than 5 minutes on my phone, I was able to find a $20 off coupon for Jiffy Lube.

5 minutes later…$20 dollars saved!!!

Many would argue I didn’t make any money in this scenario, but I would challenge your thinking. I recently read a really interesting Instagram graphic someone posted that said something along the lines of “If I have a coupon for $200 off spending $500 or more at a Macy’s, how much did I save?”. This is something that is extremely interesting to think about. Have you ever found yourself getting a coupon to a store and you think to yourself, dang I am going to save so much money? Are you really saving money though if it wasn’t something you actually needed in the first place? Did you really save money? Or just spent money on things you didn’t actually need in the first place?

For this particular type of spending, which I would consider an expense of car ownership, it is something that you must do in order to keep your car running. For that reason I have the mindset that any spending that is absolutely necessary would be saving money versus spending money you don’t need to.

Now let’s calculate how much money I just made on an hourly basis!

It took me 5 minutes to find a $20 coupon for the oil change. There are 12 5 minute intervals in 1 hour. If you multiply $20 (coupon savings after searching for 5 minutes) * 12 (5 minute intervals in 1 hour) = $240/hr.

I would say this was a good value for my time!! I am sure there are a lot of people who would argue that I didn’t actually make $240/hr and I am fine with that. Just keep paying full price for your next oil change 🙂

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Process of Liquidating Accounts to Invest in Dierks Bentley Whiskey Row – Denver

Time to provide an update on one of the boldest things I have done to this point on my investing journey. Early on when I started speaking with my cousin on the potential opportunity to become an investor in his bar business for a new location in Denver, he mentioned I would have to purchase units in chunks of $106,000. This is a large chunk of change ($$$), but my cousin has been opening and running bars for the last 10 years and has continuously expanded his business. He started out with one concept in Scottsdale called El Hefe and quickly expanded to 6 different concepts spanning the entire country. The major brand having the most notoriety at this point is Dierks Bentley Whiskey Row. I mean if you can get a big-name Country Music artist to go in with you on a bar, you must have great potential for it to fly off. This concept started in Scottsdale and has expanded to Tempe, AZ, Gilbert, AZ, Nashville, TN The newest of the locations would be the brand new one I would be investing in in Denver. My cousin is the president of the company and recently had the owners of the Colorado Rockies reach out to him asking if they were interested in putting a location in downtown Denver across the street from the Rockies stadium. The land is owned by the Colorado Rockies and the bar that was there is called Lodos which was one of the hottest bars in Downtown Denver; however, my cousin worked out a deal with the Rockies owners and they are going to be taking over Lodos and revamping the building entirely. This will entail knocking the building down and building a brand-new building entirely.

With the looming talks of a down market soon, I have heavily debated keeping money in the stock market or looking to place it elsewhere. I was originally going to invest the minimum $106,000 to get 10 units of ownership in the bar, but due to the wildness of the stock market, I have decided to try and up the ante a little bit. Why think small though when I can think big!!! After recently receiving a large $50,000 bonus check from work due to being rated the highest performer on my annual evaluation, I have decided to purchase 20 units instead of 10. This has been a very difficult decision and I have been working to figure out how I would come up with the money. Now let’s figure out how I am going to get to the $212,000 dollar amount I am going to need in the bank to purchase 20 units!

Account 1: Vanguard Taxable Account ($165,734.05 balance as of 3/24/19)

For this account I am going to wait until I get the dividends for Q1 before selling off my money. The only downside of completely liquidating this account is I have already seen a significant capital gain this year after the market rebounded coming off poor performance at the end of 2018.

Rollercoaster of how my Vanguard Taxable account has performed this year.

This is a part of the investing rollercoaster though. I took advantage of the EOY with tax loss harvesting and now I will have to take the gains out this year.

Current state of Vanguard Taxable Account

To make things a little simpler once the dividends come through, I have updated my distribution options to keep the money in my Settlement Fund versus re-investing. This will allow the selloff to be much easier than having to wait a few more days for everything to go through.

Account 2: Merrill Lynch Vested Stock ($8,943 as of 3/24/19)

This is a unique account that I have access to based off how I am compensated at work. My total compensation at work is broken into three different parts.

  1. Base Salary – majority of compensation
  2. Yearly bonus
  3. Company Stock – this account. The only downside to this account is the grants vest over the course of 4 years, 25% each year. For example, this last year I will be granted $52,500 in stock; however, I won’t get any of the stock until next year at which I will have vested $13,125 of the grant.

With the latest vest I received on 3/21/19, I now have 91 shares I can sell. Below are some snapshots of going through the process of selling these shares on Merrill Lynch.  

Current holdings in my Vested stock account with Merrill Lynch.
Creating a Wire Transfer to liquidate the account.

Account 3: E-Trade Taxable Account ($6,901 as of 3/24/19)

This account was something my parents opened for me when I was in High School and they had a financial advisor determine what I to invest in. Ha, wish I would have known what I know now and told them I would take control of everything because the advisor was picking random stuff that I would have not agreed to. The Walmart and Amazon stock were items I purchased once I had control of the account. Time to liquidate!

E-Trade account current state as of 3/24/19

Account 4: Bank of America Savings ($11,627 as of 3/24/19. $10,000 to be used to invest)

Since I received my bonus check, I decided to only invest a little bit of it knowing that I would be going through this liquidation process to invest in my cousin’s bar. I have one reimbursement check for my last travel trip for $2,100 coming through in a few days which will take me to roughly $13,700. Of this money, I will take $10,000 to invest.

Now let’s look at where we currently stand from a total cash perspective after these accounts are liquidated.

Account Money
Vanguard Taxable  $      165,734
Merrill Lynch WM Stock  $           8,943
E-Trade Taxable  $           6,901
B of A Savings Account  $         10,000
Total  $      191,578
Deficit to $212,000  $        20,422

I need to figure out how I am going to come up with $20,000 to hit the $212,000 target needed to purchase 20 business units of the business. I am in a fortunate situation where my parents are on the verge of retiring and I have spoken with them to see if they would lend me $20,000 at a 6% interest rate. I don’t want to take advantage of the situation, so I want to ensure they know I am willing to pay for it. After this loan, I will be right at the $212,000 mark and will have enough to invest in the business! SUPER PUMPED!!! I know putting all my eggs into one basket is risky, but my goal in life right now is to invest in assets that will produce cash! This is a risk I am willing to take at such a young age and early on in my investing life. I should complete the paperwork at the end of this week and everything will be official!

Making progress in acquiring assets instead of liabilities as that is the goal in life!

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Goals Looking Forward to 2019

I could not have asked for a better end to 2018! Peak performance of my company increased 40% YoY and I was able to lead the charge ensuring the company didn’t have operational challenges preventing us from driving online sales. All in all, it was a wild end to the year and I forgot I haven’t put together a blog post quickly detailing out what my goals are for this year! I posted this on my Instagram a few weeks back but thought I would also supplement it with a blog post!

Believe it or not, this is the first time I have ever written out my goals and had to sit down to think about them in detail. I reflected on how 2018 went and now it is time to drive results for 2019! I have decided to break my goals out this year into three different categories: Financial, Personal/Relationships, and Health/Spiritual. At this moment in my life, these are the things that are important to me and I want to try to push myself to be the best version of myself I can be. Here we go!

Financial Goals for 2019:

  • Max out my 401k at $19,000 by 3/31
  • Max out HAS of $3,000 by 3/31
  • Max out Traditional IRA by 3/31 Having to remove this goal as I no longer qualify to invest money into either a Traditional or ROTH IRA due to my income. I didn’t realize this last year, but after speaking the firm doing my taxes this year, I am happy to take this off the list.
  • Keep both rooms in my home rented out for 90% of the year. One bedroom renting for $1,000/month and the second renting for $900/month.
  • Increase my W2 total compensation to $250,000+
  • Increase savings rate to 80%
  • Optimize taxes through tax loss harvesting, and payroll deductions for HSA
  • Invest $100k in my cousins bar, Whiskey Row, in Denver
  • Purchase a second house hack


  • Spend $100 per month going out with friends with the focus being to create more deep and meaningful relationships
  • Be open and outgoing to others. Seek to make a new connection with at least one person per week.
  • Randomly perform one act of kindness each week and keep a journal of each
  • Document my path to financial independence through blogging and Instagram
  • Grow traffic to to 100 unique visitors per week


  • Find a new diet to get on that will help with inflammation of my arthritis
  • Meditate twice per day for at least 10 minutes each.
  • Calm the mind, become less stressed and always kill Automatic Negative Thoughts (ANT’s)
  • Perform a S.A.V.E.R.S. Miracle Morning at least 5 days per week. Silence, Affirmations, Visualization, Exercise, Reading, Scribing
  • Each morning wake up and write 3 things I am grateful for

I am sure this might seem like a task that shouldn’t take long to perform and really think out, but I can tell you from going through this exercise I am not good at getting this down on paper.

Actions: I plan to read this at least twice per week and keep myself in check to see if I can stick to these goals this year! Will be very interesting to see how everything ends up going.

Let me know what you think and as always don’t forget to add me on Instagram @TheYoungRetireeBy33.

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