The Key to a $1.3 Trillion Opportunity
A new real estate trend called co-ownership is revolutionizing a $1.3T market. Leading it? Pacaso. Created by the founder behind a $120M prior exit, they already have $110M+ in gross profits to date. They even reserved the Nasdaq ticker PCSO. And you can invest until September 18.
Paid advertisement for Pacaso’s Regulation A offering. Read the offering circular at invest.pacaso.com. Reserving a ticker symbol is not a guarantee that the company will go public. Listing on the NASDAQ is subject to approvals.
THE MONEY IDEA💡
Five Habits That Build Lasting Wealth (Bonus)
Welcome, we are {{active_subscriber_count}} Money Masters and counting!
Wealth is rarely built overnight but instead through repeatable habits that grow stronger with time. In this bonus edition we highlight five proven practices that wealthy people use to stay disciplined and create financial freedom. These timeless behaviors can be adopted by anyone, whether starting out with little or already building wealth.
Let’s dive in.
THE MONEY IDEA💡
Five Habits That Build Lasting Wealth (Bonus)
Bottom Line: Consistently saving before spending ensures that wealth grows automatically without relying on motivation.
Automatic Transfers – Wealthy people direct a portion of their income into savings or investments the moment it arrives.
Built-In Progress – This approach removes excuses and guarantees progress regardless of unexpected expenses.
Compounding Effect – Even modest contributions become significant sums once decades of growth are factored in.
Priority Shift – By saving first, they learn to live within what’s left instead of hoping there will be leftovers.
Real-World Math – A $200 monthly investment at 7% annual growth grows into nearly $240,000 over 30 years.
Do This Next: Automate a recurring transfer into your savings or investment account every payday.
Bottom Line: A long-term mindset transforms ordinary financial actions into extraordinary results through the power of compounding.
Delayed Gratification – Wealthy people choose future freedom and security over short-term indulgence.
Exponential Growth – Time allows their investments to multiply far beyond the original contributions.
Emotional Edge – They avoid emotional mistakes like panic-selling in downturns or chasing hype in bubbles.
Strategic Focus – Their efforts go toward assets, skills, and relationships that steadily appreciate with time.
Legacy Thinking – Many extend this philosophy into estate planning and building wealth for future generations.
Do This Next: Write down one clear financial goal 10 years away and take one specific step toward it today.
Bottom Line: Wealthy people treat learning as an investment, knowing that ideas and insights often pay higher returns than money itself.
Daily Habit – They dedicate time each day to books, podcasts, and market research to sharpen their edge.
Decision Edge – Better knowledge leads to smarter decisions and fewer costly mistakes.
Adaptability – Continuous learning allows them to pivot quickly when industries, technology, or economies shift.
Asset Mentality – Knowledge is an appreciating asset that continues to create value over a lifetime.
Network Effect – Surrounding themselves with other curious learners accelerates growth and creates new opportunities.
Do This Next: Block 30 minutes this week to study one resource — a book, podcast, or research report on money.
Bottom Line: Controlling lifestyle costs allows wealth to grow instead of being drained by consumption and unnecessary debt.
Lifestyle Discipline – Wealthy people resist the temptation to inflate expenses every time income rises.
Wealth Gap – The difference between what they earn and what they spend becomes the fuel for wealth-building.
Debt Avoidance – By living leaner, they stay free from high-interest debt that erodes financial progress.
Intentional Spending – They spend on things that provide lasting value rather than temporary gratification.
Resilience Factor – Lower expenses provide flexibility and security during volatile markets or job changes.
Do This Next: Identify one recurring expense that doesn’t improve your life and cancel it this week.
Bottom Line: Wealthy people understand time is their most limited resource and treat it as more valuable than money.
Delegation – They outsource repetitive, low-value tasks to focus on work that truly matters.
Opportunity Cost – Every hour is measured by what it could create if invested into higher-value activities.
Scalability – They concentrate their energy on skills, businesses, and assets that can multiply results.
Focus Control – Saying “no” to distractions protects both their energy and their financial momentum.
Compounding Hours – Like money, focused time invested consistently creates bigger returns as years pass.
Do This Next: Dedicate one hour this week to improving or monetizing your highest-value skill.
Serious about your money? See our guides on investing and building wealth.
ACTION PLAN✅
Let’s Make Money Today!
Choose Your Habit: Pick the one that feels most relevant and focus on it this week.
Set It in Motion: Put something in place immediately — an automatic transfer, a cut expense, or a blocked time slot.
Measure Your Wins: Track each small step to see progress stacking up over time.
Think Bigger: Ask how today’s decision could grow or compound over the next decade.
Commit to Consistency: Repeat this process until the habit becomes effortless and self-sustaining.
We also keep a short list of other newsletters that consistently deliver smart, actionable ideas on money, work, and wealth building.
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