How 1mm in wealth is comfortably achievable for anyone with $15,000

Let’s start off with an obvious. You want to be worth 1mm USD. You want to say you’re a millionaire. You want this goal before you’re seventy. That’s a fair statement right? Let’s analyze a simple strategy for how you can achieve this goal with discipline, patience, and prudence.

If you were to save $41.00 a day, every day you would get $15,000 per year. Over twenty years you would have saved a whopping $300,000. Okay savings will not just get us there. So there is a return factor. The return factor needs to average 10% a year if you want nominally achieve $1,000,000.

I am shooting for 20% a year because of something called “inflation” and “currency devaluation”. I’ll explain a bit more about that shortly.

I know what you’re saying.

I’m not an investor and I don’t know anything about the market. If you’re telling me to invest into something I’m likely to lose my shirt.

The previous statement is accurate if you are not familiar with investing. The issue is you can choose this strategy with fundamental knowledge and a little common sense. I’ll teach you a simple strategy in this article I currently conduct. It has generated me so far for the year about 15.58% for the year. It is a conservative strategy that does not require loads of wealth. The strategy only requires basic fundamental knowledge of financials. You can do this with as little as $500. The greatest thing about the strategy is “Scalability”.

Here is a screenshot so you can see I practice what I preach:

The same decisions with $500 apply to $500,000. Master the decision process at a small amount and you can apply it to a large amount.

Before we start that I want you to put one million dollars in prospective. Ironically one million in value will erode over time despite its attractive allure. If we adjust inflation and currency depreciation the value of $100,000 in 1988; the equivalent value is $214,272.73 in 2018.

So whatever you could spend $100,000 today on cost approximately $45,683.20 in 1988. Combine this with stagnant wages since the early 1990’s and you realize someone making $7.00 in 1988 would be better off than a person making $14.98 in 2018 (it takes 14.99 to be paid the equivalent of $7.00 in 1988). Politicians have used financial illiteracy of the American Public to devalue our dollar quietly. Rather than get mad we can just assume what they have done for the last 20 years will continue.

So if you’re goal is 1mm USD in today’s dollars you need $2,142,727.30 in 2039. $500,000 in today’s dollars might not be enough to retire but it’s a great starting point to do a perpetual 5% a year return to get supplemental income. $2,000 a month will help anyone out. Combine it with social security and at least you have supplemental income to take care of your basic needs. A nest egg that pays you $2,000 a month for the rest of your living life is helpful.

Remember wealth is found in your ability to generate perpetual income — not how many numbers are in your account.

My passive income ranges from $3,000 — $4,300. That means I make that much no matter what I do in a day. I’m sure that’s someone’s full time job somewhere. Who cares what the total dollar value is. What matters is I have income that covers a good portion of my bills.

Spending money until it runs out is not wealth. That is called being “rich”. Rich people file bankruptcy. Wealthy people create generations of family wealth. Through basic discipline wealthy people avoid bankruptcy. Only when a future family member rebels against fiscal discipline (starts spending more than they earn) is wealth threatened.

Have what you have forever. Not what you can remember yesterday.

So let’s get down to it. You will notice I only had two picks. Both are public companies. Both are eligible for anyone to buy. Now what is it that I purchased? I am not talking about the names. If you pick them now it’s too late. So they are not good “current” picks. They are picks that would have worked 3 months ago. Let’s describe what they are and how they function.

What I purchased was very simple. I purchased two kinds of entities. These entities are undivided trusts or limited partnerships. These entities are obligated to distribute 90% of their income to shareholders. These entities also hold tangible assets. Tangible Assets mean they are not “tech stocks” or “crypto currencies”. Tangible Assets means that what is on the balance sheet holds “intrinsic value”. Intrinsic Value means that what the thing is worth has value (like a house is worth the wood, steel, concrete, et cetera). That means in addition to great dividends I get great value. The dividends these entities typically average are anywhere from 7–15% per year. That’s right. They can average that high. Now high dividends isn’t your only factor. What you are looking for is something called “Book Value”. This goes back to my comments about Tangible Assets.

What’s book value? I’ll put it simple. If you go to financials on a public company you can find out how much they owe (debt), they stuff they own (assets), and also see the types of passive cash flows they generate (i.e. rental income). What you are looking for is the total shares in the float. Say it’s one million shares in the float. You want to take the number and divide it into the total asset column (this is the most conservative way). If you notice that the number you have is higher than the one you can buy it at — you have a discounted stock. Simple.

Now there are other things to consider. You want to make sure income is not derived from selling assets. This is a red flag. This means that the entity is really a buy, hold and flip entity. We don’t want that. We want entities that have solid real estate properties — hopefully leased out to someone stable (think fortune 500 company, government, school, big 501c3, et cetera). These leases are called “Triple Net Leases”. These are your safest forms of income. What we are looking for is an entity that is 1) priced below its asset value, 2) has consistent income from safe leases, 3) is organized as a pass through entity, 4) does not sell assets frequently to achieve its dividends, 5) has stable debt that gradually lowers every year. The amount of debt should never be more than sixty five (65) percent (%) of its overall asset base. Lack of equity means the company is close to insolvency. We want to avoid this.

There is a little bit more to this strategy but the fundamentals are summed up in this article. If you are really good you can identify good picks like me and do over 10% before the year is out. The real big thing I want to focus on is the screenshot below:

I did this while the entire market took a bath. This happens because stocks have a high positive correlation to correct to their book values when investors lose confidence in the market. The market is the value “above” book value. Avoid playing in the “premium” space. This is where you see your loses. This is a space I avoid. These picks will not be everywhere. You have to really search for them. It’s like finding a good real estate deal that is under market value. You have to search. It is not impossible to find them. You just have to be patient enough to look. Remember you can start your wealth with as little as $500. This strategy can be scaled.

1mm in 20 years is possible. If you are twenty years old you could be a millionaire before forty one. Are your parents that old? How much are they worth right now? Imagine how different your life would be right now if they discovered this knowledge when you were born.

Take advantage of information. It’s amazing what a little research will do. Look you came across my article. Now what are you going to do with it? If you have questions feel free to subscribe to my newsletter at I plan to come out with my personal picks every quarter who knows what else you might find out for free?


About Christopher: Christopher Knight Lopez is a Professional Entrepreneur. Christopher has opened over 7 businesses in his 14-year career. Christopher’s purpose is to take advantage of various market-driven opportunities. Christopher is a certified Master Project Manager (MPM) and Accredited Financial Analyst (AFA). Christopher previously held his Series 65 securities license. Christopher also has his General Lines — Life, Accident, Health & HMO. Christopher has managed a combined 286mm USD in reported Assets Under Management & Assets Under Advisement. Christopher has work experience in 29 countries, raised over 50mm USD for various businesses, and grossed over 7.5mm in his personal career. Christopher worked in the highly technical industries of: biotechnology, finance, securities, manufacturing, real estate, and residential mortgages. Christopher is a United States Air Force Veteran. Christopher has a passion for family, competitive sports, fishing, martial arts and advocacy for entrepreneurs. Christopher provides self-help classes for up-and-coming entrepreneurs. Christopher’s passion to mentor comes from belief that entrepreneurs need guidance. The world is full of conflicting information about entrepreneur identity. See more at



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