Teaching your children financial literacy is one of the best things you can do as a parent.
In fact, our fundamental analysis tells us that the earlier you teach them, the better!
Why do they need to become financially literate as children?
Because the world is changing rapidly.
It’s becoming more technological and entrepreneurial.
And as we become a cashless society, the way we control and manage our money will change too.
This will apply to everyone and have a huge impact.
There has never been a more important time to introduce young people to this concept and get them ready.
Because stable money management is going to be a skill they need to learn and implement from early age, whether they are working or not.
Money is an essential part of life, so why aren’t they taught this in school along with everything else?
It’s never too early to start teaching children the value of money
Even the youngest children can sort change and understand that coins and notes have different values.
Their knowledge of finances and savings will naturally mature as they get older, but there are things you can do as parents and caregivers to ensure they are set up for financial success in the future.
They can even begin to get used to the idea of cryptocurrencies and digital money.
But for the moment, we are still rooted in paper and coins.
Below are five ways you can start teaching your children financial literacy:
Wants vs. Needs
Even adults have difficulty with this skill.
There is a distinction between items, services, and experiences that we must have to survive… and those we desire because we believe they will improve our lives.
If children learn this at a young age they will have a strong foundation to make better financial decisions as adults.
Create ways for children to earn money
Before they can save, children must first earn some money.
This can be accomplished through things such as:
Babysitting and lawn mowing (as they get older).
Part-time jobs while in secondary school or college.
Set savings goals
Every child, no matter their age, has a wish list.
Make a list of all the toys and gadgets they have their heart set on.
Then prioritise them, with the most desired item at the top.
Next, involve your child in research.
Get them to look into the price of each item and calculate how much money they would need to save to buy the item for themselves.
You may need to assist them with this, depending on their age.
This will empower them and demonstrate how difficult it is to earn enough money to buy something one desires.
This should also increase their appreciation of you the next time Mum or Dad buys something for them!
Provide a place or account to save
This can be as simple as a piggy bank, but there are better options in today’s world.
You can open an account for your children for free.
You can also deposit as little as £5 to get them started.
Your child can then learn how to manage that account in person at the bank or online or through mobile banking.
So, not only do they have a place to save their money, they get to practise money management too.
Show them how money can grow over time
Make checking your child’s savings account a habit for them.
Regular checks will help them see how money accumulates over time.
You can even introduce them to the compound interest calculator.
This will help them understand how money can make money through interest.
They can check their account online, use a mobile app, or visit the actual bank building.
Ultimately, children who develop this practice will grow into adults who feel in charge of their finances.
Teach them what’s new in money
Being financially literate when it comes to coins and notes is crucial for your child.
But it is also important to teach them about money and currency and how they are evolving.
Cryptocurrency is currently the most significant.
It can be tricky getting one’s head around this concept, but you can help them learn cryptocurrency by simply registering for a free online cryptocurrency course.
A basic lesson on what cryptocurrency is and teaching your child about investment will enable them to be prepared for the future.
This will provide them with a method of creating and building their own wealth over time.
Better still, if you are someone that invests or is learning how to invest you should involve your child in the process.
Talk to them about what happens when the shares or crypto coins go up or down and what that means for the investment.
You can also explain how people can run into financial difficulties if they invest too much of their income.
Plus, the importance of investing sensibly, armed with proven good strategies.
These techniques will significantly enhance your child’s understanding of money and their interaction with it
The Financial Literacy Legacy!
Okay, hands up… how many reading this were taught about money at home?
Not many, probably.
Problem is, when we get older, we can often find ourselves having a difficult relationship with money.
This is because we never truly learned about it in a practical and positive way.
By breaking that generational cycle, you can educate your children to understand and manage money.
They will then be equipped with the right knowledge and skills to be financially literate adults.
As we move further into digital living and working, money coins and notes will become digital currencies. It inevitable.
Therefore, it is imperative your children understand what digital currency is and how it is utilised.
Who knows, they may even know more about it already than you!
That’s not surprising as technology has seeped into every aspect of modern life.
You can even access a blockchain course these days to get familiar with it all and learn crypto trading.
That should make it easier then to start teaching kids financial literacy.
That way they will be fully prepared to connect technology and finance to ensure they are well-equipped for the future.
If you are interested to find out more about money, investing, trading and the whole crypto space, subscribe to IM Insider.
IM Insider is FREE and community-based giving you access to so many educational resources that deal with money, “pillars of wealth, investing, trading and cryptos.
Who is Satoshi Nakamoto?
Solving puzzles is what Bitcoin is all about.
Each new Bitcoin has to be “mined.”
Super-computers have to solve complex algorithmic puzzles.
It can take up to 30 days just to create one Bitcoin.
To see these super-computers in action must be mind-blowing.
But the most mysterious crypto puzzle of all since Bitcoin was launched in 2009 is the question:
Who is Satoshi Nakamoto?
Satoshi Nakamoto is the person famous for inventing and developing Bitcoin and the blockchain.
However, a great mystery soon evolved when fundamental analysis by researchers revealed that Satoshi Nakamoto might not be the name of a real person but a pseudonym.
In other words, a fake name.
Not only that, people wondered whether Nakamoto might be a group of software developers, not one person.
The mystery is compounded by the fact that since 2010, there has been no word from Nakamoto, just two years after writing the white paper that started it all off…
And truly revolutionised the world – socially, economically, financially.
Making many investors extremely wealthy too!
So what do we know about the mysterious Satoshi Nakamoto?
In the early days of blockchain development, Nakamoto communicated by email.
There were no other details, personal or otherwise.
It has been impossible to pinpoint an identity, let alone put a face to the name.
All we have is the last email Nakamoto ever sent. It was to another crypto developer, and it simply said:
“Moved on to other things.”
Way to go to leave the scene in a shroud of mystery!
And how about this – Satoshi Nakamoto is rumoured to have acquired some bitcoin for themselves.
A cool ONE MILLION!
It means that it would be worth a staggering $19 BILLION at today’s market price of $19,000 per share.
Talk about a mastermind!
How do we know this if we don’t know the real identity of Nakamoto?
Here’s where Sergio Demian Lerner comes in.
He’s the chief scientist at RSK Labs.
As you may know, every crypto, including bitcoin, has a unique multiple-digit address, miles long.
And because the blockchain is a public ledger and completely transparent, all bitcoin addresses are viewable.
Mr. Lerner managed to step back through Bitcoin’s blockchain to the earliest addresses in 2008.
These addresses very probably belong to Satoshi Nakamoto’s bitcoin hoard.
There is also an element of “right time, right place” because Nakamoto was not the first to develop the concept of cryptocurrency.
What Nakamoto did was solve the problem of “double-spending” which was holding crypto back.
There needed to be a way of verifying each crypto.
Nakamoto found it.
That solution became known as – the blockchain.
Nakamoto was one step ahead too, and had the foresight to grab a good handful of bitcoin when it launched.
The fact Nakamoto owns so much bitcoin is not just fortunate from a wealth perspective. It is also significant because there will only ever be 21 million bitcoin mined.
It means Nakamoto has 5% of the total number of bitcoin.
That equates to a LOT of market power.
But to remain anonymous throughout all these years of bitcoin is incredible. It just adds to the whole mystique.
Yet – Satoshi Nakamoto must be SOMEONE.
If not a group of people, then at least one.
Are there any suspects?
Yes there are.
Marcus de Maria’s Nakamoto File
We do know some other things about Satoshi Nakamoto.
For instance, email time stamps indicate that Nakamoto was posting about cryptos from either the UK, or the west or east coast of the States.
It seems that Nakamoto used the British spelling of certain words.
Interestingly, none of the bitcoin in Satoshi Nakamoto’s wallet has ever been moved or removed.
So, who do we have in our line-up?
We could call them the “usual suspects” because there are four, and they all link at various times since 2009 to possibly being the real Satoshi Nakamoto.
Strangely enough, his name is…
Is there a clue in the surname?
Known as Dorian Nakamoto, he’s a Japanese-American from California, USA.
But his full name is Dorian Prentice Satoshi Nakamoto.
On investigation, Satoshi Nakamoto turns out to be his real birth name… one of a handful of Satoshi Nakamoto’s living in the States.
An academic and engineer, Dorian graduated in physics from California Polytechnic and worked on classified defense projects.
A Newsweek article in 2014 claimed the 64-year-old had told their reporter he was “no longer” involved with bitcoin and that he had “turned it over” to other people.
Dorian claimed he had misunderstood the question and that the reporter Leah Goodman was referring to one of his classified defence projects.
Because there was no direct evidence that Dorian was bitcoin inventor Satoshi, it could never be proved.
The bitcoin community rallied around Dorian in support. They were shocked that Newsweek had printed a photo of Dorian’s house, a clear breach of privacy and the whole concept of crypto anonymity.
Supporters got to work crowdfunding for Dorian. He received 102 BTC, around one million dollars.
Curiously, that wallet is now empty.
Finney was a cryptographer who happened to live nearby to Dorian Nakamoto.
He was active in the crypto community before and after Bitcoin’s launch.
He was also the first to receive a Bitcoin in a transaction.
It was in 2009, and he received it directly from Satoshi Nakamoto.
Could that mean that Finney, as Satoshi, sent the bitcoin to himself?
Further “evidence” lies in the fact that when Nakamoto posted the software link to Bitcoin, Finney was the first to download it.
There is also correspondence between Finney and Nakamoto. These date from Nakamoto’s publishing of the Bitcoin white paper to the early days of Finney running the software.
The differences in the email timestamps during the exchanges add more intrigue to the possibility that Finney and Nakamoto were the same.
Perhaps Finney’s neighbour Dorian Satoshi Nakamoto supplied the inspiration for the pseudonym?
Either way, Finney always denied he was the inventor of Bitcoin.
Unfortunately, if Finney is the real Satoshi Nakamoto, he has taken that secret to the grave as he sadly passed away in 2014 at 58 from Lou Gehring’s disease.
In contrast to Dorian Nakamoto and Hal Finney, Craig Wright claims he is Satoshi Nakamoto and has never been shy in repeating that claim.
Wright, an Australian scientist, and statistician with two doctorates, first came to prominence following his appearance via Skype at the 2015 Bitcoin Investor’s Conference in LA.
He described himself as “a bit of everything” and had been involved with “all this” for a long time.
Wired magazine decided to investigate and came up with evidence, including:
References on Wright’s blog to a cryptocurrency paper that appeared months before the bitcoin whitepaper was published.
Leaked emails and correspondence concerning a P2P distributed ledger.
Plus leaked transcripts of meetings with attorneys and tax officials that quote Wright as saying he did his best to try and hide the fact he had been running bitcoin since 2009.
“By the end of this, I think half the world is going to bloody know,” Wright added.
This evidence is flawed. Inconsistencies discovered. Blog entries appear to be backdated, as were public encryption keys linked to Satoshi Nakamoto.
These allegations prompted Vitalik Buterin, co-founder of Ethereum, to publicly denounce Wright as a fraud.
Having said that…
In December 2021, Wright faced a civil lawsuit brought against him by the estate of David Kleiman, deceased.
The estate claimed that Wright and Kleiman created Bitcoin together and argued that Kleiman was entitled to half of Wright’s estimated 1.1 million BTC.
The jury rejected the lawsuit, yet the Kleiman estate was awarded $100 million.
Does this imply the jury and court believed Wright and Kleiman did in fact collaborate on the inception of Bitcoin?
Another curiosity surrounding Wright occurred the same year when a UK court ordered Bitcoin.org to take down the Bitcoin white paper citing that the website was violating Wright’s copyright of the white paper.
Again, this implies the court believed Wright had intellectual rights to the paper in some way.
All very mysterious!
Possibly the strongest candidate to be the real Satoshi Nakamoto.
Szabo is a computer programmer and cryptographer who graduated from the University of Washington in 1989 with a degree in computer science.
He then attained a law degree.
Seven years later, and Szabo comes up with the concept of “smart contracts”.
1998, he creates BitGold.
This project never concluded, but Szabo stated that one of its goals was to be an alternative to the traditional financial system.
The Aston University Centre for Forensic Linguistics then studies the Bitcoin white paper to uncover Nakamoto’s identity – and concludes there are linguistic similarities to Szabo.
It also appears there are a large number of phrases in the white paper that occur in Szabo’s writings.
He also uses the open-source document platform, Latex. The Bitcoin white paper was written using Latex.
Last but not least, Elon Musk has come out and stated that in his opinion, Szabo is the most likely to be the inventor of Bitcoin.
The most compelling evidence of all centres on the fact that Szabo spent some time working for DigiCash as an internet commerce consultant.
DigiCash was created by David Chaum, another early pioneer of digital currency and cryptocurrency.
DigiCash even launched eCash, the first-ever digital cash.
DigiCash didn’t last long. It folded in 1998.
Curiously, it was in 1998 that Szabo created his BitGold.
More importantly, perhaps, it was Szabo who realised that Chaum’s DigiCash failed because it relied on third-party involvement.
Szabo discovered that it was way too easy to interfere with people’s accounts if they wanted to.
In essence, third parties are security holes.
In other words, it was a centralised company.
As we know, the early appeal of Bitcoin was the fact it was decentralised.
Pretty compelling, but what does Szabo say?
Well, like all the others, he strenuously denies being Satoshi Nakamoto.
So, what are we to make of all of this?
Who is Satoshi Nakamoto?
Are we any the wiser?
Is it one person… or more than one?
This question may never be answered.
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Ka-ching! Money 101 (Earning, budgeting, borrowing, planning for the future)
We can’t live without it… and can’t live with it.
That is the brutal truth, especially in these desperately dire times of high energy prices, high inflation, low wage increases, rocketing rents and all-round hike in the cost of living.
Even those on reasonably good salaries are struggling.
It’s worse for young families and pensioners.
In this Investment Mastery Special Money 101 Report, we examine the state of money and why it is more important than ever to look after it and use it wisely now, and in the future.
In other words, how to manage your money over the course of your lifetime.
Our fundamental analysis explores:
• Planning for the Future
Because in times like these, it is good to take a step back and re-evaluate the basics of money management.
More importantly, if you don’t already, it’s time to think of money, earning, budgeting, borrowing and planning for the future as ONE.
They all go together. Hand-in-hand.
Getting a solid grasp on this idea will help you have a more rounded approach to money and how to make what you need for all stages of your life.
It all starts with earning money.
You might start as a kid. Earning pocket money. Saving that pocket money to buy the latest “must-have” because your friends have one.
Or maybe buy something you really want that feeds a passion you may have. New football boots or strings for your guitar.
Or maybe just save that money and let it build.
But at this stage “earning” money is simply that. You are acquiring money from your labours.
The “work” you do.
Now, it’s a lot simpler when you’re a kid, earning pocket money to save up to buy that one thing you want.
It’s just one thing.
Yet already at this early age we have learnt the basics.
It’s only when we leave school and get a job or embark on a career, we start earning money to pay for the things we need to “live.”
And it’s a lot more than just one thing.
Rent, a car, clothes, food, utilities, subscriptions, holidays, deposit on a house…
There are a lot of things we need!
Everything can then start to unravel. It can all become a struggle. It can be highly stressful for some.
When we set out on our path into adulthood, all we really care about is having money. Getting it however we can.
It’s all about earning money to get by, “make a living.”
But how about approaching it in a different way?
NO ONE really starts out thinking about the money they earn as going toward “building wealth.”
It’s all about earning and spending. Maybe putting some aside for a “rainy day.”
As for retirement and pensions?
Well, at this moment in time, Winter 2022, pensions are not top of young earner’s list of priorities.
According to a recent survey, 21% of working 18-34 year olds didn’t know how much their pension was; 32% knew they should be saving more for their retirement and 50% said they had reduced or stopped any regular savings as a result of the cost of living crisis.
It has also been reported that on average, young people are currently spending double on essentials like rent or bills than people aged over 51.
On top of this, only 25% knew they could save more into their pension and with employers matching additional contributions up to certain amounts.
What most people don’t realise is, earning and saving for retirement are two ends of the spectrum.
It’s what you do in the middle that matters
Forget about “saving” for retirement, how about thinking of it as “building wealth” for retirement?
There is a BIG difference.
Building is Pro-Active / Saving is Conservative
In these volatile times, we need to move with the volatility and GROW with it.
And if you do it well, you can build and grow your wealth to the point that you don’t even have to “work” any more to “earn” money – you can let the money you make do the work and make more money so you don’t have to.
(See this amazing compound interest calculator!)
Look at it this way – you can earn money from the work you do AND the money you make can earn money for you too.
If you love your job, what could be better?
If slaving away to earn your living gets you down, then it’s time to take action and consider new ways to earn money.
There are plenty of them.
And that’s the point really, why work yourself to the bone for 50 years just so you can (maybe) have some money to live off when you stop working?
Who knows how long you might have to work for?
Who knows what money will be worth in the future?
Getting active and thinking differently is a MUST
Look at what Earl Crawley and Grace Groner did as inspiration.
Earl Crawley was a parking lot attendant in the USA. He was on $12 an hour. He regularly invested a little money and 44 years later had a sum of $500,000!
As for Grace Groner. Again, another USA citizen. She worked for medical device manufacturer, Abbott Labs for 43 years. Bought 3 x $60 shares in 1935. That $180 became a colossal $75 million during her 75 year life span!
How? Well, that had something to do with stock splitting. Those 3 stocks ended up becoming 100,000 shares!
That’s all true too. And why learning stock trading for beginners is becoming a big thing on the internet.
These are just two examples of how money can make more money!
Strongly linked to building your wealth is how it pays to be wise with your money when spending it.
Oh no! Not the B word!
We get it. Budgeting. Sounds like some kind of punishment. It’s restrictive. No fun at all! BORING!
Well, bet you didn’t know, budgeting is the secret to financial security and long-term wealth?
And that applies to however much you earn!
In fact, another TRUTH, all the top billionaires and millionaires do budgeting.
Because once they get into making money, they LOOK AFTER their money.
They are serious money-makers. They are not one-off got-lucky millionaire lottery winners.
They studied how to make money and better still, get that money to make more money for them without them having to do anything!
Talking of one-off millionaire lottery winners, it is quite shocking how many of them got completely lost with it all and blew the lot.
They simply didn’t know how to handle that amount of money.
It’s crazy, but also TRUE.
It comes down to RESPECT
You have money. That money should earn your respect.
And in these times of financial pain, who knows where the next penny, cent, or drachma is coming from?
Look after your money, your money will look after you.
This is especially true if you are living paycheck to paycheck.
You might be surprised by how much you are sending on things you don’t really need or use.
To create a budget, simply go through all your expenses. Check your bank statement and any other statements, such as credit card.
Have a thorough look at everything and work out what are the essentials, the things you can’t do without – i.e. rent/mortgage payments, debt payments, direct debits, bills, food etc.
Then add up everything you have spent on peripherals/extras – i.e. clothes, eating out, subscriptions, and so on.
Maybe you have everything under control, that’s great.
If your expenses are outweighing your earnings, you’re in trouble.
You need to get it balanced out.
You need to start curbing your spending.
Developing a solid budget can even become a lifesaver.
Maybe this will help…
2.5 billion people in the world live on $2 a day or less
Think about that for a second. Sure it’s all relative to “standards” of living, but it puts things in perspective.
Point is – working out a solid budget makes your money more valuable.
Once you start sticking to your budget, you’ll see a huge difference in the state of your finances.
In effect, what you are doing is being fully aware how and where your money is going to go BEFORE it enters your bank account.
This is solid money management.
And that leads to peace of mind. You are in control. You can rest easy. Less stress. It’s a great feeling.
For some, things might still be tight however hard they try to budget.
That’s why people end up having to borrow more.
Borrowing money comes in many forms, such as personal loans, mortgages, car loans, credit cards.
It is natural to see these as “debts,” because they are.
But, not all debt is bad debt.
There is “bad debt” and “good debt.”
If you know how to manage debt, debt doesn’t have to be a problem.
Same with credit. If you understand how it works, you can take advantage of it.
What is the difference between good and bad debt?
Believe it or not, you can actually grow your wealth using “good debt.”
It can help you earn more money.
Student loan – can lead to a successful and financially rewarding career.
Mortgage – provides equity, as well as a “home” that brings you happiness.
Business loan – with the aim of helping your company grow, and in turn make more money.
Property loan – as a buy-to-let or commercial premises, provides passive income.
This next one might be surprising.
More specifically, those that offer cash back rewards, discounts, and perks.
If used responsibly, these can be viewed as “good debt” because in effect value is being added to your money when you use it via a credit card.
But that is the key word – RESPONSIBLY!
If you haven’t fallen into “bad debt” then using credit and loans sensibly from the outset can prove very beneficial.
“Bad debt,” however… well it’s not good is it!
Bad debt is basically any debt that doesn’t bring long-term financial benefit, for instance a luxury item or holiday.
Other types of loans or credit card expenditure where you make purchases when you can’t afford to is also “bad debt.”
Unfortunately, in late 2022 with the cost of living crisis, many people are turning to “bad debt” loans, such as ridiculously high interest payday loans, and emptying their savings accounts simply to pay their bills, rent, heating and put food on the table for their kids.
It’s grim to hear of such financial hardship and we should all spare a thought for those who are struggling.
It is also unfortunate for those with bad debt because getting out of it can be very hard.
Not impossible, but very hard and can take years.
So, avoiding bad debt is essential if you want to grow your wealth.
There is a knock-on effect to this because bad debt can affect your PERSONAL CREDIT SCORE/RATING.
Your personal credit score is very important because it’s an indicator of your “creditworthiness.”
In other words, your ability to repay debt.
The score/rating is worked out according to your repayment history.
So if you are someone who pays their debts off in time, then it means you are trustworthy.
Keep doing it and your credit score improves each time.
This is important because good credit doesn’t just relate to debt.
The better your score, the better deals you will get in other areas of life
For instance, that new job you are after.
New apartment rental.
Mobile phone contract.
In fact, your good credit score will have a big impact on any future interest rate on a loan if you decided to apply for one to enhance your earning potential – i.e. a business loan, for reasons outlined earlier.
So, as you can see, using debt and credit can actually be beneficial – if handled the right way.
Again, it’s about having the right approach from the outset.
Make it part of your overall money management plan.
Think of them as tools that can enhance your on-going financial well-being as well as build your wealth for the future.
PLANNING FOR THE FUTURE
None of us can predict what the future holds, but planning for our future finances as early as possible is always the best plan, especially when we are at the “working” stage of our lives.
This usually takes the form of pensions.
But these days, given the unpredictable state of the world economy it is pretty useless to rely on pensions or savings alone.
That is why more and more people are looking to investments and want to learn stock trading or go on a cryptocurrency course.
Young earners, the millennials, are taking up buying and selling cryptos, whereas older generations are generally sticking with stocks and shares.
Either way, there is a growing trend and interest in using investments as a vehicle to grow wealth simply because the returns can be highly lucrative.
If you know what you are doing.
But getting to know what to do and how to do it is far easier than you may think
It all starts with education, but in fact investing in stock and crypto trading education is probably the best investment you can make.
And the earlier the better.
Because learning how to invest and trade with assets such as stocks and cryptos at the same time you are working or receiving income in other ways, is a great way to grow your wealth.
You need to have various streams of income. These are often called the 5 Pillars of Wealth.
Relying on just one source of income just won’t do, now or in the future.
Again, it’s about being proactive.
Rather than despair about the future, grab the potential of growing your wealth, building upon it, month-by-month, year-by-year, with both hands so that it becomes a habit.
It’s all about mindset too.
Change your perception about money.
Manage what you have now better and build upon what you have to make that money, make more money.
Planning is at the heart of this.
Get a plan down on paper.
Ask yourself what sum of money would you like to have in the future, when your own earning days are over?
Again, use the compounding calculator to see just how much you could make simply with compound interest.
Tie this all in with the other components we have looked at here – earning, budgeting, borrowing.
Make it part of your whole money management strategy
Simply the act of doing this, making a plan, will make you feel a whole lot better about the future and your financial situation.
Sure, it might all seem too much think about if you are struggling financially, but if you check out these inspiring stories you will see just what is possible.
Taking control of your finances and accumulating more money in diverse ways is actually very exciting.
Once you get started, you won’t want to stop.
The great thing about investing and trading is that it doesn’t discriminate.
Whether you are single, started a family, retired… ANYONE can do it.
There are lots of things to consider before setting out as a stock or crypto trader/investor.
Risk is one of them.
But learning how to manage risk is one thing you will learn on any investment course.
That along with the strategies and tools to use.
But you will need patience, discipline and be determined.
When you gain enough confidence, you can start your journey to financial independence.
Earning, budgeting, borrowing, planning for the future – they should all be considered as part of a whole money management approach.
The earlier you do this, the better.
But even if you are coming to this Money 101 report in need of a refresher on your finances because of present circumstances, it will hopefully help to adopt this new thinking moving forward.
It is never too late to start building wealth, growing your money, for right now and into the future.
If you want to make a start with investing and trading, then subscribing to IM Insider will provide a great starting point and fundamental analysis on stocks, cryptos, “pillars of wealth” and compound interest.
IM Insider is FREE and gives you access to so many ways to start getting into stocks and cryptos and other assets.
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