How To Invest Your Money In Your 20s


Hey, friends Kris Krohn here. Today, I want
to shoot a little video for you and I want to talk about how do you invest
money in your 20’s. I mean hands down. It’s the most important time. In fact I think
the only reason why I retired at the age of 26 was because of a very specific
blueprint that I was given by my millionaire mentors.
And if you hang tight by the end of the video, I’m also going to give that exact
same download of that blueprint to you. Alright, so here’s the thing that I
want you to understand, creating wealth is actually really easy as long as you
know the rules and what I want to do today is actually break them down for
you. You can use these rules if in your 30’s over your 40’s or 50’s. But the reality
is retiring at the age of 26 happened because I had my hands on these rules at
the age of 22. It only took four and a half years before I made my first couple
million dollars. I had a six-figure residual income and by the way, so this
is my personal residence. I just got a pause and just say one of the most
important parts of my home is Mr. money mailbox. Because reality is if you follow
these rules, if you do it the right way, it comes in the mail. It comes direct
deposited ironically. I actually ended up building this house at the time when I
was actually quitting my job. So I’ve been living here now for over 10 years.
It’s kind of wild. I want to think about it but come on in and let me kind of
break it all down for you and show you. Got awesome cleaning ladies here. Making
sure that we keep our messes under control. So here’s the first thing that
you need to understand. There’s no luck to this. Like when I got started and I
got these rules and I learned them from three millionaire mentors. What I want to
show you is that the information in the training that I got from these
individuals, I was over ten thousand dollars in debt. I wasn’t making enough
money to cover my bills. The most money that I had ever made in my life at that
time was $18,000. So we’re talking about living deeply, deeply,
deeply below you know the poverty level. And certainly what the average income is.
We’re just going to kind of pivot and move this way guys. So I could take me to my
office and break down some of these rules that you really need ti understand
pretty well. We’ll shut out the vacuums. Alright, okay, so here’s the deal. You’re
in your 20’s and what does everyone your age doing before? I give you this
blueprint, you got to understand that without this financial training, society
is already giving you a plan. Their blueprint is get good grades, go to
college, work for somebody else for you know the next 30 or 40 years and you’re
going to retire rich. But if you haven’t figured out by now or if you’ve taken
time to interview people in their 40’s 50’s and 60’s. The reality is that plan is
broken. It doesn’t work. Even if you’re a really amazing saver right? Like a budgeter.
You can’t save enough money to get where you want to go. Check it out. This
is the problem, okay? Check it out. Average person in this country. $44,000 a year. If
you’ve never made that amount of money, it sounds like a lot. I don’t know how
people frankly live off of less than tens of thousands of dollars a month.
Like I just… It boggles my mind. If you want to take a couple of nice trips, do
you want to live in a nice yet average house. Talk about financial stress. So I
mean this amount of money $44,000, this might be kind of
what the average wages right now for the average job in this country. I’m just
telling you it’s not a lot of money. It’s not like you’re going to be living your
dreams. The reality is let’s just say though
that this is not a lot of money, but let’s just say you were saving 10% of
your money. So you are saving $4,400 a year. Now first of all,
if you put that in a savings account, you’re not even earning one percent and
inflation is three to four percent. So this $4,400 is worth
less every single year. You don’t have a vehicle to get it to compound but take
$4,400 a year and times that by ten years What have you
got? You’ve got $44,000. You’re basically saving in a
decade what you made in a year. Let’s just say you get some raises with time.
Let’s just say you’re lucky enough to have a couple $100,000.
Because nothing goes wrong right? In this world cars don’t break down and
people don’t have medical bills and people don’t get you know, health
conditions and no one wants to take trips and travel and live and have fun.
So $200,00 like what can you do with retirement like that?
Well, 200 grand if you’re used to living off of 44 guess
what? You can like live for six years and then you can plan your death day and die
because you’ve run out of money and you’re relying on the government. They’re
already running out of that money. I mean all I’m really saying here is a society
plan? It sucks. It’s no good. It’s no bueno. it’s muerto. Where they told this, not
good oh. So the question is what do you do? What is the information that I got? So
my first mentor John Sorensen, made tens of millions of dollars in real estate
investing. Ben Beeson, made millions of dollars in real estate and Greg Guyton.
Millions of dollars. These three men, none of them wrote books. They never put
themselves in the public eye. These were just really quiet neighbors that I found
and I started following around it crazy saying guys,.” teach me how to create
wealth.” Like, “how do I really do it? And what I want to do right now is I
actually want to give you this entire blueprint of what I did. That led
to financial freedom and in four and a half years, starting from the age of 22.
Man that was 12 years ago that I retired. Like my life, my freedom, I mean I live in
a great house. I just got back from Thailand. I’m about to go to Amsterdam.
I’m going to Cambodia. I got four amazing little kids. We travel all over the world.
Like I can afford to do so many things that I wouldn’t be able to do otherwise.
This plan sucks. You got to get on a different plan. I’m going to give it
all to you right now. Let’s head over to my great room. I want to put it
up on the big white board. And alright, okay, so here’s the deal. I’m going to
show you exactly how I do this. My first mentor sat down with me he said, “Kris
here’s what you need to do. You’re young, you’re poor, you’re dumb, you
don’t got money. What you need to do is you need to get your hands on a house.
Now not just any house, you got to get a house that is loaded with equity.” I was
like, “dude what’s equity? He says buy a house, this was my first test he said buy
a house for example, that’s worth 150,000. By the way that’s what my first house
was worth and I could actually owe or purchase that house for a $110,000. When I actually bought this house with his help, I
actually on paper, was worth $40,000 more. Now, remember I
made less than $20,000 a year. So $40,000, it’s like
wait a second, do you remember what I just showed you my office? Remember I showed
you saving 10% for ten years is like. Then finally after a decade saving and
enough money like you make in a year, this was me and in just that moment that I
signed on this house, I actually made double than what I did
working 40-50 hours a week for 52 weeks. It was crazy.
But here’s the crazy part. I bought a house. This one just by the way happen to
have a basement apartment and have this family that lived down here. It’s a new
married couple. This married couple paid enough money to cover the mortgage. So by
the way, my biggest expense, most people’s houses, their biggest expense guess what
I was doing? I was living for what? I was living for free but I have this $40,000.
Now, he said that’s the first part. You got to buy the largest
commodity, the largest asset that the average person can. It’s a big purchase.
You buy it smart, you buy it right, you buy it with that equity. And then when I
ended up doing 12 months later, the one for the bank and I said, “dude bank check
it out, I got some equity in this property.” I don’t know exactly still know
what that means but my mentor says that you can give me some money based on that.
And you know what they did? They gave me a $20,000 line of credit
tied to my house. It’s called a home equity line of credit and I used this
money to put a down payment on another house.
Remember I’m lived in this house for what? For free. This have really big.
Eliminate your biggest expenses. Once you eliminate your biggest expense, then you
got to eliminate your what? your second second biggest expense. At that time I
left my second biggest expense was my credit cards. Because I was in debt. This
house, $600 a month residual income. Living for free and guess what I did
with you $600 a month? I got out of debt. Eliminated my credit card debt. It took
just a small period of time before I was able to pay off that 10 grand and just
wipe it out. Because it’s snow balled and that got bigger. Now you got to
understand something, this house increased my net worth by how much? 40k.
This house increased my net worth by nearly $100,000 because of how I bought
it. So my net worth is expanded. I’m living for free. I’m getting paid $600.
I’m eliminating my credit card debt. Sorry I think that’s my house phone.
Where did I go from here? Now I want to ask you. If you did buy a house and
you were living for free and then you transferred equity into another house,
that had a lot of equity and was paying you 600 month, what do you think you
would do next with this equity and what would you do with this money? You would
buy another house. Now, this one I moved in and all I needed. Because
I took the advice of my mentor and he said, “Kris, when you buy this house, because
some of you are like 22, how did you buy a house? I get that as equity. How did you
do that? He said all I needed to do is have $5,000 in the bank. Actually, all I
needed for it was $3,500 because it is a roughly a three percent down payment. So
I put 3% down that $5,000. I have a little bit of work history and I got the
loan. I pulled it off. Now if you can’t, I’ll show you in a special report how
you can use someone else’s money and even someone else’s credit. Because I could
make a million dollars by snapping my fingers compared to what I know then. Now,
I use the equity here. I bought this next house and here’s what ended up happening.
I want to see if you can see the pattern here. Houses buying houses, buying house
at some point and I’ll share a secret in just a minute. But what I did is I got to
25 homes and those homes were paying me a total of $12,000 a month. Guess what I
did at the age of 26 with $12,000 a month? I woke up in this beautiful house.
I asked my wife I said, “it’s today the day?” She said, “yeah.” I got in my BMW
convertible. I drove to work, sat down with my boss. I was really nervous and I
basically just said, “I’m done.” When I drove home that day, it’s like I
came off of financial life support. It’s like it was breathing for the first time.
Why? because no one said I had to sit in my office. I didn’t have to justify my
hours. I didn’t need to work 9:00 to 5:00. It wasn’t you need to be here and you
need to meet this deadline, you need to do that project, do you know what? I got my
life back. I can do what I want, when I want, how I
want because I had $12,000 of freedom income. Now by the way, make a
whole lot more of money than that. That’s what I thought financial freedom was. Now
that’s a tiny small amount of money because you expand your horizons and you
get smarter. Now I’ve captured this entire blueprint. Step by step into a
very special download that I’m going to give you for free. And I even have an
audio version of it that I’ll also give you for free. But what I want to do as a
bonus today is I just want to expand your mind with one more principle that
can take this and tell you no matter how disadvantaged do you feel, no matter how
behind you are financially, this one principle is enough to change everything.
Let’s do it. They’re going to keep vacuuming, follow me. Yes alright, okay a little bit more
peace and quiet than the vacuum. Alright, after I bought my third house, now
this is kind of weird. When I was young, I got married really young. I was like 22 and almost 23 when I got married. I was 23 when I got married
barely and 22… My wife would be here and slapped me so hard right now,.She knew
that I was like struggling figured out. My father-in-law, he thought I was a total
incomepoop when I bought my first house because he’s like, “dude you’re so
young, why are you buying a house?” And then I remember that when I bought my
second house, he was fully confused like, “dude, what do you need two houses for?”
What about my third house? He’s just like, “I don’t get you, I don’t understand.” Because he
came from old school. Get a degree, work for a company kind of thinking. But he
was doing well in his career and all of a sudden, it was weird. This crazy thing
happened. It felt like it fell in my lap. I wanted to go do real estate faster. I
was making money. I was sitting in college and like as a college kid, I was
making quite a bit of money and I was like, “I wish I could go faster.” And my
father-in-law just happened to get home from a trip. My anniversary trip to the
Bahamas and you know what he did? He said, “hey Kris, I had a weird dream that you
and I were going to go and do real estate together. Tell me about your home.
Just tell me about your deals.” He started looking at my ROI. Now, by the way I want
to ask you a question. If you put 3, 4,5 thousand dollars into a home
and in the end let’s say it made you $65,000 as this home did. Do you want to
know what that ROI is? It’s like, it’s too big to calculate. You need a calculator
and it’s just a really big number because I put in this amount of
money and I got this amount of money out. Same thing on this house. They sold this
house. I mean well over $100,000 when I
eventually sold the house. So I started showing my father-in-law my numbers. You
know what he did? He’s like, “oh my gosh his kids, he’s outperforming
of my 401ks, my IRAs. I should do a deal with this. Yeah and so here’s what he did.
He’s like, “well what’s your next step?” I said, “well I’m buying this house and I
need like $20,000 and I can’t get that money out of my other deal yet.” So I
guess I just can’t do it and he said, “Kris, will make you a deal.
What if we kind of got in business together 50/50 and you play the active
role of doing all the work. You find the deal, you manage it, you sell it, you do
all that and what I’ll do is I’ll be passive but I’ll give you the money.” I’ll
give you the credit and I’ll give you what you need and we’ll split everything
50/50.” I did not have to think about that very long before I said, “yes, okay let’s
do it.” We did the steal, it made such good money
that guess what he did? We did it again and we did it again, we did it again, we
did it so many times. He’s made a lot of money working with me and the cool thing
today is it’s taught me a new way of doing things. So I remember being a
senior in college. I had about nine or ten homes at the time. I wasn’t quite
retired and I thought, “man, I got so lucky to have this father-in-law. I need more
father-in-law’s!” Light bulb! I had this idea. There are people like my
father-in-law that have money, want to be passive and have credit. Dude, what if I
brought them to the table, show to my deals. What if they put up the money? We
just did it. I unlock this one principle and I
started buying homes like crazy. Literally right now as we speak, I have
someone else signing papers on three houses. I’m not putting up any money, I’m
not putting up any credit, I just found the deals now through my team and guess
what it means? It means that I’m done. I get 50/50 ownership. They think they’re
getting the best deal on the planet because I want to bring it all down
right now. I want to finish this video and I want to give you this download but
I want to tell you this first. Right now, society is telling you that you’ve got
to find investments. That make five to ten percent. Find investments that are
compound. Tell you to do things like put your money in a 401k because there’s
this seductive match. Put your money in an IRA. Try to pay off your house and I’m
going to tell you I have interviewed 10,000 people that said, Kris, give me a plan!”
And I this is their plan. And I want to tell you something for those users that are
watching this. Saying I’m in my 20’s. Maybe I’m 18 years old. I’m preparing to be in
my 20’s and I’m telling you that if you follow this plan, you better plan to fail
because this isn’t a plan. This is a failure plan. There’s a broken plan. This
is a guaranteed not get where you want to go. Don’t take it from me. Don’t take
it from me that I said I’ve interviewed 10,000 people. Why don’t you go talk to
your parents? Won’t you go talk to some friends and family and neighbors and say
“hey, so did you get a degree? Wow, what’s your job? How’s that working out for you?
On the outside it’s going great. If you got see enough
to be like level with me. I’m going to college and I’m trying to figure out
like my career path. How much money you make? Oh, I’m making $80,000, $40,000, $20,000, a $100,000 and then do the math.” If you
can’t save fifty percent of your income when you’re making less than a $100,000 a year, you will never get where you want to be. Which means,
this stuff, no work. It’s the stuff that I’m talking about. I’m going to tell you
where you can get a download of this information. Whether I ever hear from you
again. This book is created millionaires. So I
want to give that to you but I also want to tell you that I have a team where I
will work with you and my team, we will train you on exactly how the system
works. We’ll actually give you the resources to get hands-on because when
you’re out there, you’re going to have you’re going to have questions. I even have
a team that will give you the deals and if you want to learn about that then go
check out my website link in the description below and me and my team
will actually do a little consultation and say, alright, level with us. What’s
your age, where you at, what’s going on?” And if you say literally, “I got nothing
going for me but I watch this video and I want some help.” My team has good news
for you. They’ll be able to show you a plan. The reason why that’s important to
me is because I come from nothing. Wonderful parents, wonderful childhood
but my parents they fought about money. When I started out life, I just I thought
this was the plan and I had to get my hands on a different plan and you need
to get your hands on a plan from people that have already been where you want to
be. So here’s the deal. Check out the description in the link below and on it,
you’ll see an opportunity where you can request to talk to my team. We’ll give you
your custom game plan and the second thing that you’ll do when you go there
is you’ll see that you can download my book. “The Straight Path to Wealth” and
just put in your name and email, we’ll give you the book. It’ll give you the
entire blueprint and then in addition to that, every week I’ll send you an email
so that I can keep you up to date because I’m telling you, I’m only
scratching the surface. I’m now into so many different types of investments with
single-family homes, commercial deals. I’m getting into crypto on blockchain
currency, I’m crushing it. And on most of my deals, I’m doing between 20% and 200%
and my friend, if you’re in your 20’s, I want to tell you something. Those ROIs
that you do over the next decade or two,
can completely change your stars. And now one final warning. If you actually share this
video with people that are older or people that are on this path, that are
still committed to it, they’re probably going to tell you, “dude,
that guy’s a total fraud. He’s a pony. He’s a fake.” The reality is I have done
hundreds of millions of dollars worth of real estate. I did retire at the age of
26. I’ve been able to live the most amazing lifestyle. Currently my wife has
a goal of visiting a hundred countries. We visited 38 countries from around the
world and my kids can do dance and ballroom and they can do Taekwondo and
piano and all their different things. And listen, this video is not about being
rich and having loads of money. It is about living life to the fullest. It is
about the fact that you have potential. I have potential and we’re either seizing
it or we’re living beneath our privilege by taking advantage of someone else’s
opportunities that are not working. So if you want to get the real scoop on how to
do it right, then get my book. I’m giving it for free as far as ebook and audio
format and good luck. I wish you the best. If you want to reach out and talk to my
team, it’s all in the description below. We’re going to be freaking knock it out of the
park. Thank you so much for watching this video, that’s how you invest your monies
if I have to do it over again that is exactly what I would do because it
worked then it’s working today and to some extent I’m still doing it.

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