SAVINGS! Set up a bank account (checking and savings account) with SoFi. Set up automatic deposit for your employer paycheck into your SoFi checking account. Create a recurring transfer to your savings account every month equal to 20% of your paycheck. People automatically adjust their lifestyle according to their income (e.g. don’t buy Starbucks daily).

• EXAMPLE: $5,000 paycheck each month deposited into your checking account. $1,000 (20%) transferred to your savings account for investing. Use this credit card for all your monthly bills to earn 1.5% back: www.coursenvy.com/blockfi.
  Pay off the credit card bill monthly (this helps improve your credit score) using the $4,000 cash in your checking account.

COMPOUND INTEREST! Put your SAVINGS to work via diversified investments. BUY monthly and HOLD until retirement!  

• Invest 40% of your savings into the stock market (split 50/50 between the stock symbols “VOO” and “VTI”). Create a free “Automated Investing” account to buy these stocks via www.coursenvy.com/sofi. 
• Invest 40% of your savings into real estate via www.coursenvy.com/fundrise. We earned 29.5% last year (and 18.2% return on investment all-time) with the Fundrise “Supplemental Income” plan.
• Keep 10% as cash in your savings account via www.coursenvy.com/sofi. Emergency fund (e.g. car, health, accidents, etc.) 
• Invest 5% of your savings into Bitcoin (BTC) via www.coursenvy.com/bitcoin-roth-ira. Bitcoin Roth IRA accounts enable investments to not only grow tax-free but also enable you to withdraw funds tax-free after age 59 ½.   
• Invest 5% of your savings into Ethereum (ETH) via www.coursenvy.com/gemini. Learn more in our FREE crypto course!
• EXAMPLE: $1,000 monthly savings = $12,000 annual savings. Yearly Investment Breakdown →  $4,800 stocks ($2,400 VOO + $2,400 VTI on SoFi), $4800 real estate (Fundrise), $1,200 cash, $600 BTC (Bitcoin Roth IRA), $600 ETH (Gemini)