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A parting shot !

You, Dear 2018, might be only a week beyond my rear-view mirror...

...but, visually, I can still see the fading memories from your month's gone by.

I see (and feel) the mistakes that I will let refine (not define) me, just as I see flashes of tasks and pursuits gone unfulfilled— I know you're shaking your head, but it simply fuels the fire in my belly.

Your cousin, 2019, is still in first gear. Even so, I will only be chasing one thing this year: my ever-elusive future self...

In this Issue:

  • Money Multipliers
  • Power of Owning
  • Detonate Debt

♦ Easy Is Good ♦

  • A Stash of Cash
  • Worthless Money
  • Quote of the Week

Admin Links:

"Really starting to look forward to this Monday email.
Always interesting and useful stuff..." ~ Dave M.


I used to get super-annoyed (now... just amused) when people would write in and say things like, "I want to be part of M4 Insider, but I'm not ready yet!" Or, "Once I get this due salary raise, I'll have some disposable income to start growing some cash with your research." As if, any of that really matters. It not like this is an audition to be an astronaut. Or, over to Benjamin Hardy, via Money Multipliers:

+ "The best time to plant a tree was 20 years ago. The best time to start investing was also in the past. If you haven’t started yet, don’t sit and wallow in regret. Tomorrow doesn’t exist for people who don’t do something today. Start today. Get yourself educated. Create a vehicle, or several vehicles, where you put at least 10% of your income. Eventually, your investment vehicle may even start producing more profits for you than your actual business."


"Let’s imagine two individuals. They both want to be life coaches, and they both want to be rich. The first individual creates a life coaching business from the ground up. Although he has impressive profits, he is busy all the time. His income is directly tied to how many hours he works, and he can only work so much.

+ "The second individual also creates a life coaching business, but she hires other coaches to do the work. Pretty soon, all her clients go to her hired coaches, and she gets a cut from each client. She only works when she wants to, making money while she sleeps. This is the power of owning versus working..."


"Don’t forget that your wealth is determined by your assets and your liabilities. So, invest all you want, but don’t forget how your debts may be dragging you down. If you have high interest credit card debt, it’s crucial to create a plan to squash those balances this year — or at least as soon as you can. Unfortunately, this isn’t always a simple feat." But, here is some motivation from CFP® and fellow Veteran, Jeff Rose.

Spy Guy Divider

♦ Easy is Good (and Profitable) ♦

Here's a 60-second message from our friend and industry colleague, Jason Bond (click image):

Turn on images in email
Spy Guy Divider


"Clements says your savings 'can deliver three key benefits.' Even better, he says, 'You can enjoy this trio of benefits even if you don’t have great wads of cash.' Here’s how:1) 'If you have money, you don’t have to worry about it.' 2) 'Money can give you the freedom to pursue your passions.' 3) 'Money can buy you time with friends and family.'"


Mr. Bill Bonner has always stuck us as a super-reasonable and keep-it-real man of honor and big-picture views. For instance, when he says “gold is cash,” we don’t take that at anything but face-value. Because, well is it (eh, well, sort of. See the bottom of the post, linked above). In other words, we don’t feel he falls under the “gold bug” label, or has some back-to-the-old-west ideology, just because he’s being straight-forward about what could occur in the future: A flight to real assets that people will want to use for trade and exchange.

Quote of The Week:

“Most people would rather make a million dollars in their head every night than $5 in cash every day.” -George H. Larimer

Until next Monday...

Your Partner In The Quest For
Living a Life Without Limits,

Profile Image Barry Goss - M4 Research
Co-Founder & Publisher

P.S. If you just have some feedback, please use the Praise | Tough Love links below. However, if you have a question for me and/or the team, please use the 'Ask a Question' link at the top of this email.

Through my support reps, they will ensure I personally read 90% of all emails that come in. And I do my best to publish comments, questions, and answers that I think other readers will find useful.

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