If you want to be richer than 94.7% of people you know, focus 100% on these 5 things...

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1. Maintain an emergency fund

Life is full of unexpected surprises

Sadly, most some with some sort of a cost

This is why you need money set aside

However, few people do - big mistake!

Here’s why you need an emergency fund and how to build one…
Having a fund helps:
- Reduce stress
- Avoid debt
- Build financial confidence

As such, allocate 10% of each pay towards your fund

Fund it to where you have at minimum 6 months of living expenses

That way when more expenses come, you’ll be ready!
2. Build non-employment income streams

Having employment income is good but it’s not enough

There are two reasons for this:
1. Most jobs don’t pay enough
2. Jobs aren’t 100% secure

As such, you need to insulate yourself with others forms of income

Here’s what I suggest…
Most people should consider:
- Freelancing
- Starting a business
- Building an audience

The internet is ripe full of money making opportunities

Stop watching cat videos and start making more money…

Next is how I first started making $1,000s extra per month
Here’s how I generated an extra $3-5k/mo outside my 9-5 job…

1. Learned a monetizable skill
2. Signed up on freelance websites
3. Applied to projects
4. Profit

I explain my EXACT process here: (50% off while this tweet is up): https://t.co/mWGwnMZQJI
3. Contribute to your golden years

For most people, getting old is certain

However, what’s not certain is having the money to support yourself later on

As such, you need to have a plan and fund it as much as you can

Here’s what you need to do…
First, calculate your retirement target

This is usually 25 times your current expenses

Then, calculate how long you have to invest

Finally, determine your monthly investment needs

The combination of the three plus patience will be your ticket to freedom
4. Assessing your job longevity

Most people rely on a 9-5 to get by and this is fine

However, how long will your job be around?

Many jobs these days are being automated or eliminated

Here’s an easy way to tell if your job is on the chopping block…
Your job may be in jeopardy if…
- It has a low barrier to entry
- Is manual in nature
- Requires little human judgment

Assess your job today and act accordingly…
5. Investing in your financial IQ

Your financial IQ determines your net worth

It’s that simple…

The more you know the more you:
- Make
- Save
- Invest

Here’s how to raise your financial IQ…
Financial education can be accessed through:
- Books
- Podcasts
- YouTube videos
- Mentors etc.

Aim to learn something new daily

The more you learn, the more you earn…
If you enjoyed this thread, I'd appreciate a RT of the first tweet.

I write a daily thread on building wealth with online income

Follow me for financial wisdom that will change your life forever: @Adam_DelDuca

More from All

1. Mini Thread on Conflicts of Interest involving the authors of the Nature Toilet Paper:
https://t.co/VUYbsKGncx
Kristian G. Andersen
Andrew Rambaut
Ian Lipkin
Edward C. Holmes
Robert F. Garry

2. Thanks to @newboxer007 for forwarding the link to the research by an Australian in Taiwan (not on

3. K.Andersen didn't mention "competing interests"
Only Garry listed Zalgen Labs, which we will look at later.
In acknowledgements, Michael Farzan, Wellcome Trust, NIH, ERC & ARC are mentioned.
Author affiliations listed as usual.
Note the 328 Citations!
https://t.co/nmOeohM89Q


4. Kristian Andersen (1)
Andersen worked with USAMRIID & Fort Detrick scientists on research, with Robert Garry, Jens Kuhn & Sina Bavari among


5. Kristian Andersen (2)
Works at Scripps Research Institute, which WAS in serious financial trouble, haemorrhaging 20 million $ a year.
But just when the first virus cases were emerging, they received great news.
They issued a press release dated November 27, 2019:

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1/“What would need to be true for you to….X”

Why is this the most powerful question you can ask when attempting to reach an agreement with another human being or organization?

A thread, co-written by @deanmbrody:


2/ First, “X” could be lots of things. Examples: What would need to be true for you to

- “Feel it's in our best interest for me to be CMO"
- “Feel that we’re in a good place as a company”
- “Feel that we’re on the same page”
- “Feel that we both got what we wanted from this deal

3/ Normally, we aren’t that direct. Example from startup/VC land:

Founders leave VC meetings thinking that every VC will invest, but they rarely do.

Worse over, the founders don’t know what they need to do in order to be fundable.

4/ So why should you ask the magic Q?

To get clarity.

You want to know where you stand, and what it takes to get what you want in a way that also gets them what they want.

It also holds them (mentally) accountable once the thing they need becomes true.

5/ Staying in the context of soliciting investors, the question is “what would need to be true for you to want to invest (or partner with us on this journey, etc)?”

Multiple responses to this question are likely to deliver a positive result.
प्राचीन काल में गाधि नामक एक राजा थे।उनकी सत्यवती नाम की एक पुत्री थी।राजा गाधि ने अपनी पुत्री का विवाह महर्षि भृगु के पुत्र से करवा दिया।महर्षि भृगु इस विवाह से बहुत प्रसन्न हुए और उन्होने अपनी पुत्रवधु को आशीर्वाद देकर उसे कोई भी वर मांगने को कहा।


सत्यवती ने महर्षि भृगु से अपने तथा अपनी माता के लिए पुत्र का वरदान मांगा।ये जानकर महर्षि भृगु ने यज्ञ किया और तत्पश्चात सत्यवती और उसकी माता को अलग-अलग प्रकार के दो चरू (यज्ञ के लिए पकाया हुआ अन्न) दिए और कहा कि ऋतु स्नान के बाद तुम्हारी माता पुत्र की इच्छा लेकर पीपल का आलिंगन...

...करें और तुम भी पुत्र की इच्छा लेकर गूलर वृक्ष का आलिंगन करना। आलिंगन करने के बाद चरू का सेवन करना, इससे तुम दोनो को पुत्र प्राप्ति होगी।परंतु मां बेटी के चरू आपस में बदल जाते हैं और ये महर्षि भृगु अपनी दिव्य दृष्टि से देख लेते हैं।

भृगु ऋषि सत्यवती से कहते हैं,"पुत्री तुम्हारा और तुम्हारी माता ने एक दुसरे के चरू खा लिए हैं।इस कारण तुम्हारा पुत्र ब्राह्मण होते हुए भी क्षत्रिय सा आचरण करेगा और तुम्हारी माता का पुत्र क्षत्रिय होकर भी ब्राह्मण सा आचरण करेगा।"
इस पर सत्यवती ने भृगु ऋषि से बड़ी विनती की।


सत्यवती ने कहा,"मुझे आशीर्वाद दें कि मेरा पुत्र ब्राह्मण सा ही आचरण करे।"तब महर्षि ने उसे ये आशीर्वाद दे दिया कि उसका पुत्र ब्राह्मण सा ही आचरण करेगा किन्तु उसका पौत्र क्षत्रियों सा व्यवहार करेगा। सत्यवती का एक पुत्र हुआ जिसका नाम जम्दाग्नि था जो सप्त ऋषियों में से एक हैं।