Get Richer Sleeping 2

GET RICHER
SLEEPING
Money & Investing 101
TABLE OF
CONTENTS
What is the Minority Mindset 3
FOLLOW US 4
Disclaimer 5
Money Explained 6
Why Passive Investments? 7
Majority Myth #1 8
How Do You Grow Your Money? 9
What The Majority Of People Do 10
What The Minority Of People Do 11
Majority Myth #2 12
Stock Market Investing: What is it? 13
Stock Market Investing: How Do You Make Money? 14
Stocks: Getting Started 15
Real Estate Investing: What Is It? 16
Real Estate Investing: How Do You Make Money? 17
How Do You Get Started? 18
Protect Yourself 19
?
What is the
Minority
Mindset
The Minority Mindset has nothing to do with the way you

look, your ethnicity, or your skin color. It’s a mindset. It’s
the mindset to think different than the majority of people and
follow your passions and dreams. It’s the mindset to believe in
yourself even when no one else does. And it’s the mindset to defy all
odds.
The minority of people who break away from the “normal” path are often
ridiculed and made fun of for being different. We embrace that uniqueness. No
one is remembered for being the most average or for being the person that just fit
in the most. The people that do great things are the ones who think different, break
away from conventions, and follow their passions. That’s the Minority Mindset.
#ThinkMinority
Some of the links included are from our affiliate partners meaning
we will get compensated if you make a purchase. There is no additional cost to you. 3
Copyright © Minority Mindset, LLC | www.TheMinorityMindset.com
FOLLOW
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HOME
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Disclaimer
This eBook
is to provide
our general
business opinions.
Nothing in this eBook is
intended to serve as legal or
financial advice. Be sure to do your
own research and consult with a licensed
attorney to understand the local rules and
regulations that govern investing in your area.
And speak to a licensed accountant to come up
with the best financial strategy for you.
Please understand that we are sharing our opinions

and our experiences. We cannot guarantee your
success or any result. Investing has inherent risks. You
may lose money. So please do your own due diligence.
Some of the links included in this eBook are from our

affiliate partners meaning we will get compensated if you
make a purchase. There is no additional cost to you. We test
and review every product that we endorse, however, we cannot
be held responsible for actions that these companies take.
We care about you which is why we believe in being 100%

transparent with you.
Our fiat-money is just paper. The reason your $100 bill can
buy a pair of shoes is because we have artificially created
value behind the $100 bill. And we, as a society,
have accepted this value. The physical dollars we
use are not backed by gold, silver, goats, or
anything else. They are just pieces of paper.
Money
Explained Why
do
we have
money?
To reward value. Many people get
this confused. We are taught to believe
that money exists to reward hard work.
That’s false. Money doesn’t reward hard
work, money rewards value. It takes hard
work to create value, but money rewards the
value you create, not the effort you put in.
In this eBook, we will focus on creating passive

income from investments.
Money is a tool.
Money doesn’t make you a better person, it just amplifies
who you are. Give a bad person money and they have a tool
to do more bad. Give a good person money and they have a
tool to do more good. That’s why we need more good people
with money.

Why Passive
Investments
?
We are all human and we only
have 24 hours in a day. Some of
our time is spent sleeping, working
out, eating, relaxing, and hanging out with
friends. It’s impossible for us to work non-stop,
7 days a week. Sure, we can sacrifice sleep and
leisure time, but there’s a limit to how many hours we
can exchange for dollars.
Your money, on the other hand, doesn’t need a break. It

can work 24-hours a day, 7 days a week. That’s why you
want to put your dollars to work so your money can go
out and bring you more dollars, every single day even
when you aren’t physically working. That’s what passive
investing is.
Let’s get
into it.
Majority
Myth #1
I need a lot of
money to do this
Wrong. You can start with under

$100.
Earl, a parking lot attendant, never

made more than $12/hour. The most he
made was $20,000 a year from his job. He
started investing his money with just a few dollars
and has turned his small investments into over
$500,000!
It takes sacrifice, persistence, and

consistency.
Read more about Earl here.
How Do
You Grow
Your Money
? By buying seeds. And no, we

are not talking about sunflower
seeds. We are talking about
investment seeds.
You do the work finding and buying

the right seed. Then the seed will pay
you every year regardless of whether or
not you work.
Seeds are investments that grow and make

you more money. As your seed grows, you will
be able to live off the fruits that are produced by
the seed you invested in.
The most common examples of seeds are:

Stocks, Real Estate, Bonds
EXAMPLE
What The
#1 Majority Of
People Do
George wants to buy a new car. He goes to the dealer and sees a shiny
new car on sale for $20,000. George has the money to buy it, but he
chooses to finance it. As soon as he drives his shiny new car off the lot,
the car loses 15% of its value, or $3,000.
Every month, John pays $400 to drive the car and he has to pay for the
car’s maintenance as the value of the car keeps going down.
Five years later, George finally pays off the car and sells it for $10,000.
The car ate his money.
EXAMPLE
What The
#2 Minority Of
People Do
Nancy wants to buy the same new car. This time, she takes her $20,000 and
buys seeds (more about what to buy coming soon) and she lets her money grow
for a few years.
Now Nancy takes the money she made from her seeds and buys the same car.
Nancy has the car, the original $20,000, and her investment seed is still making
her money every month.
Majority
Myth #2
People don’t buy seeds

because it’s a secret.
Wrong. Many people understand that investing their

money can earn them more money. The majority of people
don’t do it because it requires two things: patience and delayed
gratification.
We live in a society where when the majority of people want something,

they want it now. They aren’t willing to sacrifice what they have today for
something better tomorrow. Don’t be the majority.
Need images/designs on this page to fill up space.
Stock Market
There are
two main ways
companies raise
Investing
money. They can get
a loan (debt) or they
can sell part of their
business (equity). You, as
What is it
an investor, can buy equity,
or shares, of a company in
the stock market and become
an owner of the company.
When you buy one share of

McDonalds, you become one of the
owners of McDonalds. Obviously,
you don’t get to tell McDonalds how
to run their business with that small of
ownership, but you get to share in the
profits when McDonalds makes money.
That also means you share in the losses if
McDonalds loses money. So, if you invest in
McDonalds and they file for bankruptcy, you
would lose the money you invested.
The stock market allows you to invest in publicly traded

companies as opposed to privately traded companies.
Generally, privately traded companies are smaller
businesses. A private company can become a publically
traded company by filling an IPO: Initial Public Offering.
Every asset class, including the stock market, has cycles. There
are times when the market goes up; called a bullish market. And
there are times when the market goes down; called a bearish
market. You want to buy when people are fearful and stocks become
cheap and you want to sell when people are greedy and stocks become
expensive. As Warren Buffett says, “the stock market is a device for
transferring money from the impatient to the patient”.
Open a FREE Stock Brokerage Account [Ally Invest]
Stock Market
Investing:
How Do You
Make Money
You invest in and buy a company’s
stock because you expect the company
1
to become more valuable in the future.
When a company makes more money,
it should become more valuable, and as a
company becomes more valuable its stock price
should go up to reflect that new value [we say
Appreciation “should” because there are exceptions]. But, in its
simplest terms, if you buy one share of a company at
$100/share and it goes up to $200/share. You, as the
owner, made $100 just by owning the stock!
2
Companies want you to invest in them. And to incentivize in-
vestors, some companies pay regular cash bonuses as a way of
sharing their profits with investors like you. These cash bonuses
are called dividends.
Dividends In other words, a dividend is when a company pays you just for owning
their stock. Think of it like a “thank you paycheck” – you don’t have to do
anything except own the stock to get the dividend. Most dividends are paid
quarterly, meaning every three months. The amount of money you will make
will depend on the company and not all companies pay dividends. So, you will
have to do some research before investing.
[More on how to research stocks in the video series mentioned at the end of this eBook]
Le a r n m o r e a b o u t d i v i d e n d s h e r e :
Stocks:
Getting
Started To invest in
the stock market,
you need to use a
stock brokerage. There are
many online brokers out there.
We recommend Ally Invest. It’s
free to create an account, they have an
amazing research platform, and they have
some of the lowest commissions out there.
Once you create an account with Ally
Invest, you just enter which company
you want to invest in and how many
shares you want to buy and you’re
done.
Again, you’re never guaranteed to

make money when you invest, you
may even lose money. So, make sure
you do your own research. Sign up for
a free Ally Invest account here so you
can continue learning and start investing
in seeds.
Real
Estate
Investing:
What Is It Everyone needs a place to live,
companies need office space,
parking lots need land, and stores
need retail space. You can be the
provider of this real estate in
exchange for rent payments. You can
buy, build, or rehabilitate property
and then lease it out to people who
want to use your property.
Real Estate
Investing:
How Do You
Make Money
You buy real estate with the
1
expectation that the value of the
property will go up. Remember the
car example earlier? The values of most
‘things’ go down with time. With seeds,
Appreciation however, you buy them with the expectation
of going up in value. According to the National
Association of Realtors, the average home value
increases by around 6% a year.
Rental income is like a stock dividend. Tenants pay you
2
every month to live in or use your property. The amount
of money you make is predictable and it’s something you
can control. Of course, you can run into issues of tenants not
paying you or tenants not taking care of your property. However,
Rental that’s why it’s important to be very cautious of the tenants you put
Income in your property.
This may seem like a lot of work, however, you can hire a real estate
property manager who will do all of the rental management for you.
They will find you a tenant, qualify the tenant, collect rent, handle payment
disputes, handle maintenance requests, and everything else in between. Not
all management companies are made the same, so be sure to interview your
management company thoroughly.
You can buy a property with cash, get a loan (debt), or bring on
investors (equity partners). Once you find a suitable deal, you must
secure the capital to purchase and renovate (if necessary), and
then you would purchase the property.
Traditionally, real estate investing was reserved

for people who had access to a lot of capital.
But things have changed. With the digital
revolution, you can start investing in real
estate without having a ton of money.
You can invest directly into real
estate investments with real
estate crowdfunding. Here’s
how it works; first, a
real estate investor
or developer will
create a proposal
to invest in or build
a property. Then, this
real estate deal will get
screened and if it meets
the fund’s criteria it will get
approved. And then you have
the option to invest as little as
$500 into a portfolio of actual
real estate investments with
Fundrise.
The investors need funding to go

through with the deal and you
can profit on the deal by being an
investor. When you invest, you get
paid just like any other real estate
investment. You can make money from
your share of rental income, potential
appreciation, and interest payments. And
then when the property is sold, you will
get your share of the profits as well. Of
course, like with any other investment,
you’re never guaranteed to make money. But,
crowdfunding allows you to partner with experienced real
estate investors. If you’re interested, you can learn more about
real estate crowdfunding and start investing here.
Protect
Yourself
If you’re doing your own real

estate deals, you should consider
forming a legal entity, like an LLC,
for your business. Even though
real estate investing is meant to be a
passive investment, it’s still a business.
Again, you should consult an attorney in
your area to know what’s best for you. But,
there are a lot of legal and tax advantages of
operating as a legally recognized business. You
can learn more about what entity type is best for
your business here.
WATCH OUR
VIDEO SERIES!
Are you looking for more in depth information on

financial literacy and investing?
Then our Financial Literacy Video Series is for you.
Our video series covers:
1 WHAT IS MONEY
2 STRATEGIES TO ALLOCATE YOUR MONEY
3 HOW TO SAVE YOUR MONEY
4 HOW TO INVEST YOUR MONEY
5 READING A COMPANY’S STOCK PROFILE
6 UNDERSTANDING MARKET CYCLES FOR INVESTING
7 HOW TO SPEND YOUR MONEY
8 AND HOW TO EARN MORE MONEY
WATCH OUR VIDEO SERIES HERE

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GET RICHER

The Minority Mindset has nothing to do with the way you

Please understand that we are sharing our opinions

Some of the links included in this eBook are from our

We care about you which is why we believe in being 100%

In this eBook, we will focus on creating passive

Your money, on the other hand, doesn’t need a break. It

Wrong. You can start with under

Earl, a parking lot attendant, never

It takes sacrifice, persistence, and

Read more about Earl here.

? By buying seeds. And no, we

You do the work finding and buying

Seeds are investments that grow and make

The most common examples of seeds are:

People don’t buy seeds

Wrong. Many people understand that investing their

We live in a society where when the majority of people want something,

When you buy one share of

The stock market allows you to invest in publicly traded

Open a FREE Stock Brokerage Account [Ally Invest]

Again, you’re never guaranteed to

Rental income is like a stock dividend. Tenants pay you

Traditionally, real estate investing was reserved

The investors need funding to go

If you’re doing your own real

Are you looking for more in depth information on

Our video series covers:

2 STRATEGIES TO ALLOCATE YOUR MONEY

3 HOW TO SAVE YOUR MONEY

4 HOW TO INVEST YOUR MONEY

5 READING A COMPANY’S STOCK PROFILE

6 UNDERSTANDING MARKET CYCLES FOR INVESTING

7 HOW TO SPEND YOUR MONEY

8 AND HOW TO EARN MORE MONEY

WATCH OUR VIDEO SERIES HERE

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