Been working 2x jobs for the last few weeks - pretty stressful.. Should be back to normal next week..

Is 1300 ok tomorrow afternoon?

In my latest video I’m talking about early retirement… And I give you my honest opinion on whether or not you can retire in 10 years by investing each month into Bitcoin. Most people don’t give a toss about crypto… But one of the ways you really win as an investor is to go against the herd. To watch the full 10 min video go to @completeinvesting over on YouTube… And if ya can let me know what you think of the title of the video - does it get you interested?

This weeks newsletter is a bit different. I'm basically giving you the script for a recent YouTube video. I've had a full on week working on an FAT in Spain - nightmare travelling - so apologies but similar to last week I've been struggling for time. But I wanted to give you something...so this is the format I basically read from a teleprompter for my weekly YouTube videos @completeinvesting Also see the comments for details of next call... Retire at 55 I'm 43 years old…Right now I have about a £420,000 in assets across property, stocks and crypto.And if everything goes to plan…I should be able to retire at 55.But here's the crazy part..Back in 2019, before I started taking investing seriously, I only had about £50,000 in assets .Mostly in property.So over the last seven years, things have changed quite a lot…..In today's video I'm going to show you the exact numbers, the strategy, and the investments I'm using to try and make early retirement happen.And by the end of this video you'll see something surprising.Because thanks to my rental properties…I actually don't need a million pounds to retire………………………………………………………………………………………………………………………………..before 2019……before we get to my current financial position I want to tell you why I struggled as an investor before 2019..i started really as an 19 year old investing 500 pounds a month for 6 months inside a stocks and shares isa..but spent all of the money saved on a lads holiday..because I was cluelss becaue I had a lack of finacnial education..i bought my first rental property a year later ..but made several mistakes for the same reason..this was the start and the misakes continued between 2008 and 2018..my negative decade as an investor..the financial crisis had a huge affect on me again I had no financial education and to be honest my mistakes were also down to poor emotional intelligence…thankfully though I maded a decision to learn about money and investing in late 2018… I set my first goals ..i read over 50 investing books in 2019 ..and things have improved a lot over the last 7 years……………………………………………………………………………………..……………………..My Current Financial Position…I'm currently 43 years old…And after investing for around 25 years, this is roughly where things stand today…Across all my investments I have about.. £250,000 in property equity across rental properties…Around £70,000 invested in the stock market… And about £100,000 invested in crypto..That puts my total invested net worth at roughly…£420,000..Now here's the important thing….A lot of people think retirement is all about how much money you have saved…when you get into it there are other things to consider..and the real key is income from assets…like the fact my rental properties currently generate about..£1,000 per month in profit..Which is around £12,000 per year….So even if I stopped working tomorrow, my investments would still be producing income…That's defintiley a step toward financial freedom……if this type of early retirement video resonates let me know by subscribing..then we can potentially retire early together……………………………………………..………………………………………………………….The Monthly Investing Strategy…This cahnnel is all about finanical education and long term investing..most people switch off when your not talking about quick easy money..but ill keep going anyway..becasue this is how you build wealth….investing is hard..it takes serious patience and discipline..but it is simple..if you can stay consistant…at this moment in time I'm able to invest around..£1,000 per month from my income…On top of that, I reinvest the £1,000 per month from rental property profit….So overall I'm investing around:…£2,000 every single month.that might not sound like a massive amount compared to some people online…it might sound like a huge amount to someone who hasn’t got much spare money..whats important is that you start….if you invest long term you benefit big time from compound interest……………………………………………………….………………………..The Maths Behind Retiring at 55..let's actually run the numbers and see if im on course for early retirement in my mid 50s…my starting point is going to be 170,000 pounds because I need to exclude my property equity….If I start with around £170,000 invested today……., and I continue investing £2,000 pounds per month, here's what happens over the next 12 years…Let's look at three scenarios…First, a conservative return of around 6% per year…In that case, by the time I reach 55 my initial portfolio would grow to around £768,000 pounds…..…Now if returns average closer to 8% per year, which is roughly in line with long-term stock market returns, my portfolio would reach around…£923,000 thousand pounds…….And if returns are closer to 10% per year, which could happen with higher growth assets like technology stocks or crypto…my portfolio could reach around..1.1 million….this is a huge amount and means a very comoftable early retirement…so worst case from what ive been sayiing and from the assumptions ive been making I end up with 768k at 55..best case I end up with 1.1 million pounds….and That's not even including future increases in property equity…....before we push on this isnt financial adivce and the full disclaimer can be found below in the description……………………………………………………………………………….………Why Property Changes the Equation…This is where things get interesting…Because a lot of retirement calculations assume you need your portfolio to generate all of your income.But that's not the case if you already own cash-flowing assets…My properties already generate around..£12,000 per year…So if my portfolio reaches around £1 million, and I follow the common 4% withdrawal rule,… that portfolio could generate about:..£40,000 per year….….Add the property income to that and suddenly im looking at:..£52,000 per year in passive income….Which is more than enough for a comfortable lifestyle…even if things go tits up and I end up with 500k from stocks ..crypto and global index funds…that would mean 25,000 pounds per year ..plus the rental income and its up to 37,000 pounds..being enough is dependent on your goals and your lifestyle but this could still be enough to retire..especially if your mortgage is paid off…this is why I said at the start that I don’t need 1 million pounds to retire…..now ill be honest I would love 1 million pounds at 55 plus my rental properties..id love 2 million pounds…lets just see how things play out…………………………………………………………………………………My Investment Strategy Going Forward…Now let's talk about how I plan to invest going forward.,..Because the goal isn't just growth…The goal is growth without too much risk…So Im going to focus on three main asset classes…..First is global stock market index funds…These give exposure to thousands of companies around the world and historically have been one of the most reliable ways to compound wealth over long periods…and if you want more info on index funds..see below for a 5-part playlist……Second is technology and AI companies.Businesses that are building the infrastructure for the future…..Companies like..NVIDIA..Microsoft..Amazon…These are the kinds of companies benefiting from massive trends like artificial intelligence and cloud computing…..if you want to know the technology and ai stocks I have in my protfolio type stocks below in the comments…………..the third part of my strategy is crypt…Assets like Bitcoin Ethereum..solana and my ai pick which is TAO BITTENSOR….Crypto is obviously the most volatile part of the portfolio….But it's also the asset class that could potentially accelerate the timeline dramatically….in this video im being very conservative …im very bullish on crypto over the next 4-5 years..and I think this will lead to an even ealrier retirement for me personally..lets move onto a more optimistic outcome………………….. ………………………..The Asset That Could Speed Everything Up currenlty I have around £100k in crypto…If that investment simply doubles over the next few years, it becomes £200k…If it triples, that's £300k…And in strong crypto cycles we've seen assets increase 5x or even 10x…im not saying my crypto portfolio will do a 10x..but I am expecting it to do a 3x maybe 4x over the next few years……….Now obviously there are no guarantees.But if even a portion of that happens, it could significantly accelerate the timeline toward financial freedom.The key is that whenever crypto performs well, the plan is to rotate some profits into safer assets like index funds and property…That way the gains become more permanent………………………………………….The Real Goal..Now here's the thing…Retiring at 55 isn't actually the real goal for me personally..The real goal is having the freedom to choose how I spend my time….i want to spend more time with the people I love ..more experiences..i want more time doing what I love like bjj…Maybe for you it means working less.Maybe it means focusing on projects you enjoy.Or maybe it simply means not worrying about money anymore.But financial freedom gives you options.And the earlier you start investing, the more powerful compounding becomes…let me know in the commetns are you looking for early retirement or finacnial freedom…………………….summary………………………So that's the battle plan.Starting with roughly £420k invested today, continuing to invest around £2k per month, and focusing on a mix of property, stocks and crypto.If things go reasonably well, that should grow to somewhere between 800k and £1.1 million by the time I'm 55….Which could generate enough passive income to make work completely optional.Now I'd love to hear from you….What age are you aiming to retire?Let me know in the comments below…And if you're interested in investing, financial freedom, and building wealth over time, you can join my private investing community on skool the link can be found below…………………………..

If you want to know how I plan to retire EARLY with £420K… Go to @completeinvesting and watch my latest video. Hope everyone is doing good! And the link can be found below 👇