I made $17,672.84 in January 2011 - here's where I am now.

53 replies
Okay this is being real.

I started January 4th, 2010 on the day that I was laid off working at UPS.

A few weeks later I made my first $0.23 online and was balls to the wall.. I ran up and down the streets, told all my friends, and got laughed at by everyone.

1 year later... 2011

I made nearly $18,000 in about 2 weeks. At the time I also had employees who worked completely for free (their pay was their training). And the best part is this was only the beginning of something pretty damn big.

Throughout the year I had multiple $8,000+ months which 75% of was profit. I even had 2 more $10,000+ months.

Even so, I was still living in a 2 bedroom apartment. Saving, spending, having fun, and enjoying life with my girlfriend.

Another year later... 2012

I was still doing pretty dang good, the beginning of 2012 started great. I began working on a couple of new projects which have since then taken off, but in the meantime some of my other projects suffered.

I decided to move that August into a 4 bedroom house with a pool, hot tub, 2 car garage, and all the bells in whistles in a beautiful neighborhood surrounded by a golf course...

BAD IDEA..

And this year... 2013

The house totally drained me. It destroyed a lot of my friendships, started to hurt my business, my finances were in hell..

I was still making good money but even so it was just pouring away into the house.. mainly into upkeep, gas money for driving, and the time it took in order to keep everything in check.

Present.. End of August 2013

What I once thought was a paradise, I now consider hell. What I once considered hell, I now consider a blessing.

I've moved out of the house and moved in as a roommate with someone (with my girlfriend).

Only a few weeks ago I had more than 15 monthly bills to worry about.. now I have 3. Rent, storage, and a phone bill.

I went from well over $3,500/mo in expenses to less than $900.

And I'm on my way to having another $18,000+ month in 2014. I'm taking it slow for the moment but I'm definitely going to get there.

Thank you Warriors for being apart of my journey and allowing me to share my experiences with you

Final Note: You're likely wondering how I made that money and to give you a short explanation (as I've shared it in the past many times) it was by building websites for individual clients. It's a great business model to take on and services in general can help you grow your expertise in any field. I'm considering app development at the moment and can't wait to see where the future takes me.
#$17 #2011 #january #made #make money #money #services #success #website creation
  • Profile picture of the author Joe Crosbie
    Great thread Justin!

    Your story is so motivation and I really admire your honesty! You truly are an inspiration!

    Joe Crosbie
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  • Profile picture of the author bhuff85
    Great story, Justin!

    Just goes to show you that there will always be ups and downs in life, no matter how successful you become. The key to staying successful, however, is to deal with those down moments head on and learn from them. Sounds like you came out a better and stronger person in the end.
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  • Profile picture of the author GGpaul
    Thank you for your honesty. People out there will only talk about them making $$ every time. Part of a marketing tactic to get you plugged in to their system to make an extra bang of the buck.
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    • Profile picture of the author Chris Silvey
      Recently I came into some good pocket money. While the income hasn't really changed me, it has others. Once the locals seen me driving my new truck, they were all up in my business.

      It amazes me how shallow people can get. People who treat you like trash one day and the next, they are rolling out the red carpet and acting like they are your best friend.

      As far as spending. I limited it to the truck and a few things for my family, that is about it. For me, I got sick of spending money and determined to keep my monthly expenses the same.
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      • Profile picture of the author Raydal
        Originally Posted by Chris Silvey View Post

        Recently I came into some good pocket money. While the income hasn't really changed me, it has others. Once the locals seen me driving my new truck, they were all up in my business.
        You mean you didn't give them the address for your landing page? Maybe
        advertise your website on the truck.

        -Ray Edwards
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        • Profile picture of the author Chris Silvey
          Originally Posted by Raydal View Post

          You mean you didn't give them the address for your landing page? Maybe
          advertise your website on the truck.

          -Ray Edwards
          If I sold spitting tobacco and moonshine I might have a chance. They tend to judge IQ on the bases on how far you can spit, how much you can drink, who can catch the biggest fish or tell the tallest yarn. Gossip is a religion and drama is scripture.

          Its very backwoods here.
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    • Profile picture of the author Devin X
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      Originally Posted by GGpaul View Post

      Thank you for your honesty. People out there will only talk about them making $$ every time. Part of a marketing tactic to get you plugged in to their system to make an extra bang of the buck.
      People also talk about their sob stories to get you feeling sorry for them...or how they were in a really bad way, but then turned it around...these are also marketing tactics that are used a lot with Biz Opp/MLM/IM. Just saying.
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  • Profile picture of the author Justin Beatty
    Hey Justin! Thanks for sharing your story with such honesty and detail...It really captures the uos and downs of the online world...Sounds like you're having way more ups though Keep on working hard and congrats on your success thus far!
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  • Profile picture of the author Joe Lumbergh
    nice motivational story
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  • Profile picture of the author Des Lau
    Great story Justin. Like my old man used to say, 'it's not about how much you make, but how much you can save'
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  • Profile picture of the author thomas1984
    With the kind of $$ your making, Whats the big deal about $3500/month for living expenses? Sounds like a nice place you gave up..
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    • Profile picture of the author heavysm
      Originally Posted by thomas1984 View Post

      With the kind of $$ your making, Whats the big deal about $3500/month for living expenses? Sounds like a nice place you gave up..
      Though that may sound cheap, I can easily see how other leisure expenses could eat up the remainder making it feel as if that $3500 was a lot.

      For the OP though, did you not live with your girlfriend in the house?
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  • Profile picture of the author HustleAllDay
    You made the right move Justin. You'll come out of this much more clear headed and I'm sure your business will even exceed where it used to be now that your focus is back to growing the business.
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  • Profile picture of the author TheSalesBooster
    I know where you're coming from. Years ago when I first started making a lot of money online with affiliate marketing. I got my first house at 19... At 19 you don't understand all the responsibilities that come with owning a home. Looking back I wish I didn't get a house and instead traveled around the country/world more.

    On the plus side, it's paid off and I gave it to my parents so they don't have to worry about anything.
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    • Profile picture of the author Steve B
      Thanks Justin.

      Your thread relates to small business finance as well.

      No matter how much revenue you generate, if your business expenses eat up most or all of the profit, you will never feel "rich."

      On the other hand, if you spend only a very small proportion of your revenue on business expenses, you will feel "rich" on a relatively small amount of revenue. Controlling expenses is one of the main ways to increase or maximize your income.

      Justin, BTW, are you any relation to the WF owner Allen?

      Thanks,

      Steve
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  • Profile picture of the author jaller
    Great story Justin, I hope you achieve what your aiming for.
    I hope I can follow in your footsteps. (Except the expensive house and what goes with it )
    Thanks for sharing.
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  • Profile picture of the author salegurus
    It was a good move to consolidate and cut down on your expenses.
    But your figures don't make sense.
    You are, were making multiple $8K months and some even double that, so
    consider 75% being profit how could you not afford $4K monthly expenses?
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  • Profile picture of the author Beats4Legends
    Wow. This was pretty much my story but with smaller numbers. Never, EVER jump into an expensive apartment or house you can "afford" but not comfortably. Why? Because then you have LESS MONEY for promotions. You end up draining your mailing lists. Etc. I can safely say my story is a little less sad than yours, but still.

    I went from $1000/mo and we were thinking of finding somewhere a bit cheaper... Instead we went up to $1450/mo in another place and also added plenty of money on top for new monthly bills we never used to pay for... Luxuries we didn't need.

    Anyway, my business took a hit with this but luckily we were on a really good upswing and I am only in this apartment for 3 more months on our 12 month lease. So luckily my business will survive and we've almost made it out.

    But note that I am just backing up your point, Justin... Everybody: be humble as HELL when it comes to rent/mortgage. Having an extra $500/mo to spend on whatever you want can change mean the life or death of your business.
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  • Profile picture of the author Beats4Legends
    You guys are seriously under estimating the expenses of life, especially with a girlfriend ... I make $4000-$9000 per month currently, but nowadays it's more about $4000/mo since my expenses for home are higher, I have less to invest and play with. You guys are talking about $4k/mo as affordable, not even considering that doesn't count his BUSINESS expenses.
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  • Profile picture of the author Josh Monroe
    My first assumption when reading this was "living behind your means" then I noticed your monthly expenses were $3,500 and your income was $18,000.

    Whats the problem?

    $18,000 - $3,500 = $14,500/month.

    You could put what, another $5K in a "rainy day" account and still have $9,500 to play around with.

    Now you've moved out, sure your saving some extra dough, but you also gave up the luxury of your "privacy" (Sharing with a room mate).

    If I were you, I'd look at maybe getting another place (perhaps with a lower mortgage?). I'd rather be paying my own mortgage over paying someone else's bills.

    I mean, you can't "rent" forever (unless you want too of course)..

    On another note, perhaps you feel "guilty" ? I mean, you came from a humble start working at UPS.

    Go ahead and watch the following video from the 2:00 mark to the 6 minute mark, seriously - it has the EXACT "answer" to what your talking about..

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  • Profile picture of the author Greenville
    Thank you for sharing your story with such honesty and humility. I feel you have learned from your mistakes and I'm sure you will have other successful days soon. Good luck!
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  • Profile picture of the author Justin Says
    If you're responding with the "how is that a lot of money when you make so much" type of response... realize that time had passed since I made $18,000 in a month, 2 years in fact.

    I also was making far less money because of things that I expressed in my OP and there are a lot of other factors that came into play, ie maintenance, time put into driving, and so on.

    Lastly I'd like to note that I came from a family where $20,000 in a year (before taxes) was A LOT of money and still is. I still have that view and will never change on it. Only a few years ago I felt like $100 made in one day, of work, was more than I'd ever make.. I felt that $3000/mo was how much "rich" people made. And all these things still hold true today in my head. $3,500 in expenses each month is a lot, especially when you realize that when I made $18,000 in a month (1 month as a reminder), I was only spending $800/mo on expenses and around the time I had $3,500/mo expenses I wasn't doing as well as I was back then

    Anyways, thanks everyone for all of the great comments! I really do appreciate each and every one of you guys, even if you're trying to comment on how I wasn't grateful because I definitely was and still am.

    Oh and one final comment to @Josh (yea I know I was trying to end a bit ago.. but oh well haha) - I had never had privacy growing up and didn't need it. For some privacy is great, but I'd rather be around people constantly than be alone. The situation with the roommate is that they are not home all day either, and even so I'm at a Starbucks sitting at a computer enjoying the music, atmosphere, and people surrounding me

    I know you think I was making $18,000/mo but again I never stated that. I wrote out how I had "made" $18,000 in a month and had many $5k - $10k months thereafter.. and much of that went towards helping other people, family, friends, and causes I believe in. But either way, thanks a lot for the comment and I'll definitely check out that video.

    *cough*

    I suck at ending...

    @Beats4Legends, agreed. I didn't mention any business expenses in my original statement. I only shared my living expenses and also only mentioned MY living expenses and not those that I put forward to help my girlfriend and everyone else. You rock for noticing
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  • Profile picture of the author bhuff85
    I think a few people have some of the stuff a little mixed up...

    Take another look at Justin's OP. He mentioned that he is on his way to another $18,000 month...in 2014. He also mentioned he has had multiple months where he's earned $8,000, but never stated that was his average monthly income.

    Just because the guy had $3,500 in expenses (and was hitting some high figure months) doesn't mean that he couldn't afford the lifestyle he was living. As I understood it, it was the consistent upkeep that was draining him. The more stuff you buy, the more your have to take care of and maintain.

    If it was a smart move for him and it made him happier, then so be it. Everyone is different. What works for you might not work for someone else, you know?

    Either way, it's always good to hear from someone doing good with their online ventures and making the most of it.
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    • Profile picture of the author Justin Says
      Originally Posted by TheRealDudeman View Post

      People also talk about their sob stories to get you feeling sorry for them...or how they were in a really bad way, but then turned it around...these are also marketing tactics that are used a lot with Biz Opp/MLM/IM. Just saying.
      That there are And to clarify I shared my journey because I was talking to Joe Crosbie on Skype and felt compelled to share it with others. I'm not asking for people to feel sorry for me, but rather know that just because you hit it big once, it doesn't mean you'll always be on top.

      There will always be ups and downs (as we can take note from Microsofts current situation).


      Originally Posted by bhuff85 View Post

      I think a few people have some of the stuff a little mixed up...

      Take another look at Justin's OP. He mentioned that he is on his way to another $18,000 month...in 2014. He also mentioned he has had multiple months where he's earned $8,000, but never stated that was his average monthly income.

      Just because the guy had $3,500 in expenses (and was hitting some high figure months) doesn't mean that he couldn't afford the lifestyle he was living. As I understood it, it was the consistent upkeep that was draining him. The more stuff you buy, the more your have to take care of and maintain.

      If it was a smart move for him and it made him happier, then so be it. Everyone is different. What works for you might not work for someone else, you know?

      Either way, it's always good to hear from someone doing good with their online ventures and making the most of it.
      The upkeep was definitely the #1 reason it just wasn't worthwhile to me. People can have their own opinions on the matter but honestly.. I'm SOOOO much happier living without a water bill, sewage bill, propane bill, electric bill, internet bill, pool maintenance, yard work, gas expenses, etc. and it opens my eyes to what caused my decline..

      One of the reasons I had so much success was because I didn't have anything to worry about a few years back.. I literally just focused on this. When we moved into the new house there were so many things I didn't take into consideration and it ended up pulling me behind.

      My stubborn attitude also got ahold of me... I wanted so hard to be able to handle everything and didn't want to pay someone else (which would have been another bill btw) to do the yard work or clean the pool.

      But in the end, our lives where we are now are perfect. There is literally nothing I can complain about at the moment and I'm really happy to be able to say that.

      Thanks Bryan for clarifying a few things for those that didn't read over the whole OP thoroughly
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  • Profile picture of the author Curtis2011
    Thanks for this story. It just helps confirm my suspicions that I will never want to own a home.

    After growing up with a dad who was a "fix everything" type of person, I have seen just how much work goes into taking care of a big house where everything breaks eventually.
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    • Profile picture of the author StingGB
      This is a really interesting thread.

      I've moved into the zone that is being talked about. 2-3 years ago I'd stick my card in the wall and literally hope £20 would pop out.

      Since I started making money from IM I decided that I'd never put myself back in that situation again. I'd rather live on my boat and have 6 figures in liquid assets, than a flashy house and an overdraft.

      Most of my friends have to go out every day, slog their guts out at something they don't particularly enjoy, all just to pay for a house that frankly the government will take off them when their care home bills need to be payed for in old age.

      Life tends to be about 'show' thesedays, particularly when you do something like we do. Funnily enough though, everybody is fascinated by my bohemian lifestyle. If I need an ego trip, I'll just buy a Ferrari, cash.
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      • Profile picture of the author Justin Says
        Originally Posted by sree94 View Post

        You really do have to be disciplined in this business

        It's not like being a doctor or something where you make $400,000 a year and the money keeps rolling in. I think in this business, your savings rate needs to be much higher than someone who is an employee
        EXACTLY. In this business saving is huge. I wish I had thought it out that way a few years ago, but it's better I learned now than later I suppose. Keep the advice coming sree, great stuff

        Originally Posted by tritrain View Post

        Who knows, maybe UPS will ask you to design an app for them next?
        Ya know.. 3 years ago I would have probably taken them on for something like that.. now I'm totally against doing anything for them. But hey.. they still invite me out to lunch, BBQs, and tomorrow I'm heading to a crab feast with them.. no reason to miss out on the friends I met along the way

        Originally Posted by Tsnyder View Post

        The great lesson... don't become a slave to "things." In the end, "things"
        aren't important. In this economy... and for the foreseeable future... the
        smart people will get very small in regards to monthly payables.

        That doesn't mean you pull back on your goals or become complacent
        with earning less money. It means you don't toss it around as if it will never
        stop coming in.

        Good on you, Justin.
        I'm so glad that I started focusing on "getting rid of things" and focusing more on where I want to personally go on my trip through life.

        I rarely "thank" a poster even though I read through many every single day but your response definitely catches me.

        There was someone earlier who said that is was dumb of me to not keep the luxuries, when I really do feel much happier without them. So long as I have transportation and a place to sleep I'm completely content. Heck I'd be totally fine with couch surfing if it came down to it, mainly because I either work outside on the nice days, at a Starbucks, or via my phone on the rainy days.

        As for the "things"... I got rid of almost everything of mine and put the remaining of what my girlfriend wants to keep in storage. There's a few things I haven't let go of just yet, but I'm working my way there and slowly just giving them away or tossing them out.

        Great advice and thanks again Tsnyder!

        Originally Posted by StingGB View Post

        Since I started making money from IM I decided that I'd never put myself back in that situation again. I'd rather live on my boat and have 6 figures in liquid assets, than a flashy house and an overdraft.
        Gosh, there is so much of my life that I want to share on this forum.. it's kinda funny because I felt like I had already spilled everything but you mention a boat. I actually lived on a boat for a few summers and really did enjoy it. The person who owned the boat was much like you, he had maybe $150/mo in living expenses because the dock was so cheap and included electricity and water + on location shower, pool, free coffee, etc.

        You go for it dude, it's a great lifestyle if you know how to work it and totally something I'd do all over again.
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  • Profile picture of the author wfjason
    Great sharing by Justin. Too often, people will start to spend on more luxury things when they start to make more money. I like the idea of living frugally when first starting so that more money can be saved to grow the business further.

    I personally feel that there is nothing wrong in living in small apartment even if the person is making lots of money. It might be a smart decision as the expenses is low and he can focus on growing the business further.

    But as some other Warriors have mention, everyone is different and there is no one path that is suitable for everyone.
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  • Profile picture of the author Tsnyder
    The great lesson... don't become a slave to "things." In the end, "things"
    aren't important. In this economy... and for the foreseeable future... the
    smart people will get very small in regards to monthly payables.

    That doesn't mean you pull back on your goals or become complacent
    with earning less money. It means you don't toss it around as if it will never
    stop coming in.

    Good on you, Justin.
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  • Profile picture of the author MKCookins
    Very inspiring story. It goes to show you even you make a good income online -- there are still obstacles and struggles we can face every day.

    I think they key here is to live within your means. Some of the richest people in the world are this way because they keep track of every penny they make and invest their money instead of spending.

    Good luck in the upcoming year -- and hope your next move will be a great one
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  • Profile picture of the author Romeo90
    Great story.

    And a motivation to everyone, surely.

    When I started IM a couple of years ago now, my main aim was to reduce bad debts without touching my main income (which is actually eBay).

    IM got me out of debt, and now I either reinvest in my business, or save that money.

    I still have a nice house and a nice car, and have a great income every year from all my income streams. I could easily move to a bigger house, get a bigger car, but I don't want to.

    They are just things to me. I would rather have the money to go out and have a nice meal, take a nice vacation or treat one of my family or friends.

    I want to make memories. Memories are made by what you do, where you go, and who you share your life with. Not by the flashy car you drive or how big your house is.

    IMO.
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    • Profile picture of the author AeroBuilders
      Bottom line -----> Pay yourself FIRST!

      When you start making income that exceeds your monthly nut then you have to build your own bank! You have to pay yourself first each and every time you get a check or ach transfer to your acct. When I started my build your own bank plan several decades ago, I would take 20% of every dime that came in as income and save it in a stand alone acct (my own personal bank).

      Now I take 35% of every dime that I take in as income and save it in my own bank. I have no debt and I always have my own stash (that is building dynamically year after year). Any time I need a chunk of money I just take out a loan (from my own bank) and pay it back over a short term at 6% interest. Once you build the habit, of paying yourself first, your entire financial paradigm shifts positive.
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  • Profile picture of the author NewParadigm
    Exactly Aero, nothing wrong with living big and enjoying life, but only after you've built up a big enough safety net. You need staying power, plenty of working capital to fund you through rough patches. As you get into bigger clients, a nice home/car are actually great sales tools and build credibility. I'd rather see a vendor pull up in a Bentley than a beat up crap car. People pay thousands for country club memberships for a reason. Relationships are forged, a lot of business gets done. Just don't over leverage yourself.
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  • Profile picture of the author Michael Kohler
    That's a great story! Cutting expenses can put so much back in your bank account, or at least keep it from leaving!

    This type of thread is like Chicken Soup For The Soul books. Someone ought to create a Facebook thread of IM stories like this. Seems like a marketable idea. There doesn't have to be just one Jack Canfield.
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  • Profile picture of the author Noctilus
    Originally Posted by Chris Silvey View Post

    It amazes me how shallow people can get. People who treat you like trash one day and the next, they are rolling out the red carpet and acting like they are your best friend.
    .
    I agree here with Chris. I have always heard how the people around you change when they see you making money. People who are close to you change the most which you least expect considering they have seen you start from nothing and have risen despite all the odds.

    I have moved into a home I call a midway between my dream home and 'I've made it' It is not the perfect home just yet but I would much rather save on mortgage even if it is a few hundred and save for a rainy day.

    I also live with my partner who helps out a lot and am blessed to have someone very supportive. I think if you're on your own trying to make it in IM full time, share an apartment or mortgage till you are 100% sure you have enough otherwise you'll just have to forego everything you had to work so hard for.

    Live within your means!
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  • Profile picture of the author tritrain
    Who knows, maybe UPS will ask you to design an app for them next?
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  • Profile picture of the author PerformanceMan
    Good stuff Justin.

    You've learned what we all learn: business comes in cycles. Some are up cycles and some are down cycles. Saving for those rainy days is what really matters.

    At your age, there will be many bright days ahead
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    • Profile picture of the author Justin Says
      Originally Posted by PerformanceMan View Post

      Good stuff Justin.

      You've learned what we all learn: business comes in cycles. Some are up cycles and some are down cycles. Saving for those rainy days is what really matters.

      At your age, there will be many bright days ahead
      And don't always expect that there won't be any down cycles. I figured my life was pretty perfect for some time, but things change in life... your attitude will change the way you view those cycles, even good.

      I'll do whatever I can to make sure that there are more bright days than not, thanks for the comments PerformanceMan! Great insight And I'm saving your quote (which btw.. did you make that up on the spot? )
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      My name is Justin Lewis, with Business Optimizer I've been in business for 6 years online with multiple six figure years, here are the tools that have helped me the most: Increase your reviews with this free Review Handout

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  • Profile picture of the author HeySal
    LMAO - (with compassion). Guys and their toys. Serious. Guess everyone has a different view of heaven.

    Glad you figured it out fast as you did. Smart kid. Keep it going.
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    Sal
    When the Roads and Paths end, learn to guide yourself through the wilderness
    Beyond the Path

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    • Profile picture of the author Justin Says
      Originally Posted by HeySal View Post

      LMAO - (with compassion). Guys and their toys. Serious. Guess everyone has a different view of heaven.

      Glad you figured it out fast as you did. Smart kid. Keep it going.
      Could you imagine if I had put down a mortgage first?

      I would have been stuck being miserable.

      Whew, close call! Haha.

      Thanks Sal for the comment, you always know how to make me put a smile on in front of my computer
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      • Profile picture of the author HeySal
        Originally Posted by Justin Says View Post

        Could you imagine if I had put down a mortgage first?

        I would have been stuck being miserable.

        Whew, close call! Haha.

        Thanks Sal for the comment, you always know how to make me put a smile on in front of my computer
        Oh I can imagine. LMAO. I've seen it sooooo many times. It makes me really glad that I'm kinda a minimalist. Oh - I like money, don't get me wrong - but I am happier in a small cabin out in the corner of nowhere and neverland than in the monstrosity you described. My money goes a lot further than most people's. No good having it if it doesn't go anywhere......as you found out in the nick of time.

        My IM thrills are that the members of my site send me stuff. I found an outcrop of agate, so the guys sent me a dremmel and diamond bits. At our last meet-up, I was given a new rock pick (I have a penchant for losing them), a rock bag and a big bag of cannabis to make a tincture for Ricky. That's not money(well, it kept me from having to buy the stuff, but you "get it") , but it's really brought me a lot of joy and in a way is better than a little extra profit from that site.

        So send pics when ya get that awesome little cabin in the woods with the incredible fireplace - then I'll get excited with ya. LMAO.
        Signature

        Sal
        When the Roads and Paths end, learn to guide yourself through the wilderness
        Beyond the Path

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  • Profile picture of the author hbhanot
    Very nice and motivational story. I hope whoever read this will take action.
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  • Thank for your story it learns a lot to us especially on how to spend the money and also what I really lean is that in online marketing you should have more patience because it will take your turn to become successful.
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  • Profile picture of the author celente
    love these stories, you are mightier than the sword...keep going, and keep us updated.
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    • Profile picture of the author wingman7
      Hi Justin,

      Long time correspondent here. Enjoyed our little chats.

      I want to comment on the anti property theme here. I am passionate about property and am always looking for more. My first house cost me $12000 for the land and I contract built it which means I did the easy bits, for $15000. Thanks to inflation that house is now worth $600,000. And all I paid was $27,000.

      If you just rely on your earnings to grow your net worth it will take forever to get anywhere. Why, because inflation and the economy kills the value of your dollar.

      Buy yourself a property. Rent it out. Never sell. Buy more when you can afford it. Leverage off the growing equity. Be careful what you buy. Look for growth and stability. Dont just focus on yield. Dont bank your money, pay off the mortgage. Plan to break even or to subsidise the mortgage in the early years. Take the tax breaks the IRS allows you. Get an accountant so everything is legal and proper. In 10, 20 or 30 years you will thank me. When a few hundred dollars turns into a Million!

      About how you live. Read "the Millionaire Next Door" one of my "idols".

      One day you are 20. One day you turn around and you are 40. The next you are 60. The most valuable things in life are health, family and friends.

      Life goes quick....dont let it go by without grabbing some equity!
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      • Profile picture of the author Justin Says
        Originally Posted by wingman7 View Post

        I want to comment on the anti property theme here. I am passionate about property and am always looking for more. My first house cost me $12000 for the land and I contract built it which means I did the easy bits, for $15000. Thanks to inflation that house is now worth $600,000. And all I paid was $27,000.
        That's amazing. What year did you do this in? I have built a shed which was a bit bigger than a studio apartment a few years ago. We didn't hire anyone out but just with materials it was pretty cheap with our labor.

        I'd love to hear how you build the house.

        Originally Posted by wingman7 View Post

        About how you live. Read "the Millionaire Next Door" one of my "idols".

        One day you are 20. One day you turn around and you are 40. The next you are 60. The most valuable things in life are health, family and friends.

        Life goes quick....dont let it go by without grabbing some equity!
        Since you and another Warrior both recently shared that book title with me I'll go ahead and buy it right now (there ya go.. word of mouth/text works! haha)

        Thanks a lot for the advice
        Signature

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        • Profile picture of the author wingman7
          I'd love to hear how you build the house.

          I built this house about 30 years ago. Drew the plans wrote the specs got approvals and got a builder to build it to closed in stage with windows and doors. Then did lining, plumbing, kitchen, plastering, painting etc. Extended it a few years later with a huge workshop and driveway.
          Built another one 20 years ago. Its now such a sophisticated industry its hard to beat the professionals. The way to make it cheap is use a simple box design. Nowadays factories just pump them out. That cost $220,000 now worth $700,000! You gotta do it!


          Since you and another Warrior both recently shared that book title with me I'll go ahead and buy it right now (there ya go.. word of mouth/text works! haha)

          Thanks a lot for the advice [/QUOTE]

          I'm sure you'll enjoy it. Bit of old town philosophy. Rare in this go fast world!
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      • Profile picture of the author infogenius
        Originally Posted by wingman7 View Post

        One day you are 20. One day you turn around and you are 40. The next you are 60. The most valuable things in life are health, family and friends.

        Life goes quick....dont let it go by without grabbing some equity!
        An interesting and revealing thread.I am really blessed by the op and wingman's comments.The last two statement (quoted above)are true.There is really no time.Except NOW!
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        God is good all the time!

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  • OP, your post kind of reminds me of the classic tale of a rock band hitting it big, and in some ways it ends up being the worst thing to happen to them. They start blowing money on stuff they don't need, they have way too many distractions, and they loose friendships.

    I'm glad to hear that you got yourself out of that situation. I remember reading in the book "The Millionaire Fastlane" that the author said one of the most exciting times of his life was in the early days when he was living in a studio apartment and his business was just starting to take off.

    I think that what it boils down to is that you have to be careful to sort of "stay hungry" for more success. Living well below your means is part of how to do that. Another thing is that by having less stuff, you literally have less distractions and less things to pull you down and keep you from your business goals.

    Hoping you have more success in the coming years!
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  • Profile picture of the author Dean62
    well done! very motivational, I have launched an online store...it shows if you stick to it, it can eventually pay handsomely
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