Brandon Grittini

✔️These mistakes will kill your cash flow and put you out of business.
⭐Do you struggle with any of these?
🗣️Tell us what struggles you've made or seen others make 👇

The best way to get your Google Business Page ranking well is to add fresh content. Add Photos. Create Offers. Make posts. Get Reviews. And always answer the phone!

You can start your side hustle with 1 idea, a phone, and an email address

You may have good luck, or you may have bad luck. But you control your own luck by taking action.

If someone will pay you to do something they hate but you don’t mind, you just might have found a side hustle

If you can start 1 side hustle, you can start 10

Diversify your income streams. Start a side hustle

Your side hustle should pay you more than $25/hour

If you can generate $1000/month in 1 side hustle, you can generate $10,000 per month with 10

Use every day to improve on yourself. Do something that scares you. Yesterday I did an impromptu walk-in sales call. As an introvert, I can think of a hundred reasons to not do it. In fact, I'd put it off for months. But the result was greater than expected. Now for 5 more!

If you're a salesperson, don't let your personal finances be the price objection that prevents you from selling to the prospect that needs their problem solved.

With inflation at 6.2% year over year, will your annual raise even keep up?

I was never a handy person. I didn't even own tools. Now I have about 50 people per month that want to pay me to hang their TV's.

25% of workers say they would leave their job if they could no longer work from home after the pandemic. Employers, pay attention. They also say they would take a 5% pay cut to stay home. If they're productive, why do you care where they work?

I like that investing is getting talked about much more.

It seems people are jumping into investing at an earlier age, too.

Here is what I don’t like.

A lot of the advice that gets thrown around.

Here is my best advice.

One of the best investments you can make is to pay off your credit card debt.

If you’re paying 20% interest, paying off that debt is a 20% return on your money.

Some will argue in the comments that some Crypto or Retail Stock (AMC) will outperform that.

Maybe.

But there is a greater risk.

Why not lock up a 20% return guaranteed?

Most investors would take that all day long.

Great that we’re talking about investing, but invest in yourself by getting out of debt.

If you’re out of debt, be careful where you put your money.

I always suggest an S&P Index fund.

Yeah, it’s boring.

But historically, it returns about 11% per year.

That’s pretty good, by the way.

Will it always earn that?

No.

Will it go down?

Of course.

So why put your money there?

Because if you invest consistently over time, you’ll make money.

Which brings me to investing over time.

Don’t day trade.

Que up the comments from all the basement day trade millionaires.

Could you make money day trading?

Yes.

But it’s risky.

Why put all your money at risk?

If you put $10,000 and try to day trade, you have a high probability of losing money.

If you lose half of your money in a day or two, you’ll think “investing doesn’t work”.

And you’ll give up.

And you’ll lose out on the benefits investing brings.

If you’re investing over time, you’ll do just fine.

I recommend S&P Index funds because it’s liking picking a whole league, rather than just 1 team.

But if you insist on picking a 1 team (stock), pick the one’s you like.

If you wear Nike. Buy Nike stock.

If you shop Target. Buy Target Stock.

Don’t listen to some random person on Facebook telling you about the penny stock trading at $0.03 and how it’s going to hit $3.25 by the end of the week.

Don’t focus on the number of shares you own.

You know what matters?

The dollars you have invested and the percentage that money returns.

Shares don’t matter.

Feel free to drop your comments on why I’m wrong.

What’s wrong with starting small?

If you have a big goal or dream, you have to start somewhere.

Don’t get lost in the fact that you can’t do something.

In most cases, the deck is not stacked against you.

You just gave up too soon.

Take that big dream and chunk it down into something more manageable.

Create a healthy habit toward achieving goals.

The sum of small goals coalesce and add up to a big goal.

So maybe you can’t be a C-Level Exec today.

Start by getting a supervisor or manager role.

You can’t qualify for a mortgage today.

Work on paying down debt and raising that credit score.

You’re not a millionaire.

Start investing a small amount each month.

There isn’t one big thing to achieve your dreams.

It’s the sum of all of your small goals that help you get there.

Start now.

Celebrate your victories along the way.

Missing Company Goals?

Think your employees don’t care?

Do you know how you get your employees to care about your goals?

Here’s a reality

Achieving goals is a habit.

It starts with having a dream or goal.

Then putting a plan together to achieve the goal.

Then achieving the goal.

And when you feel the sense of accomplishment, you want to do it again.

Stop caring only about your goals.

Care about theirs!

Ask them their goals.

Help them with their plan.

Celebrate their wins.

It’s a simple concept.

If you want to engage employees in company dreams and goals, you must help them recognize and achieve their own personal dreams and goals.

They'll want to help you achieve yours.

Dear College Grad-

Congratulations! You made it through college.

And in 4 years, guess what they never taught you?

Personal Finance!

If you’re like most college grads,
📌You’re officially in debt (student loans)
📌Probably in debt (credit cards…..cool t-shirt though)
📌If you have a job, it’s probably not the one you want
📌That job probably pays less than you thought
📌You’re already working on your “side-hustle”
📌You don’t know much about investing
📌Dogecoin didn’t make you rich
📌You’re already thinking about retirement

Before you get yourself into too much money trouble, do this…

Join my Cash Flow Monthly for College Grads course.

You can pre-order now. (link in comments)

It’s a monthly series where I’ll work with college grads and teach you about cash management.

We’ll cover basics on personal finance that can last a lifetime.

You know, things you wish they taught in college but don’t.

📌Like paying off debt
📌How much to invest
📌What to invest in
📌How to create “side-hustles” (I hate this term)
📌How to network

If you are the grad or care about someone who is, the link to my course is in the comments.

Help the college grad in your life avoid the money mistakes most people make.

Financial education is the greatest gift you can give.

Class starts June 21

How much should you have saved in your 20’s? 30’s? 40’s?

It doesn’t matter.

Here is what really matters…

If you haven’t started, start.
If you’re behind, catch up.

Some people say you should have “x” times your salary.

Some use a benchmark against others in your age group.

But what really matters is your personal goals.

I was recently reminded, “Comparison is the thief of all joy.”

You might be proud to have $10,000 saved.

But if you compare yourself to someone who has $15,000 you miss out on the accomplishment.

And if you haven’t started, you haven’t missed the boat.

The boat is docked.

When you start determines how far away from shore you can travel.