Quarter Life Club Podcast

In this series we're going to focus on everything advertising, marketing, traditional vs. digital, new and old, best practices, content creation, etc.. THE REVERSE CONTENT PYRAMID: The best way to begin your content creation strategy. Too many businesses fail to take advantage of social media. IT IS NOT A PLACE TO POST YOUR SALES MESSAGES AND TRADITIONAL ADVERTISEMENTS. No-one wants to be the brand that advertises on social media. Ads on social media aren't cool, they're skipped. Looked over and seen as distractions from the actual content that audiences want to see. The easiest way around this COLD HARD TRUTH is to be a content creator on social media yourself. In this video I highlight a few of the many reasons why the reverse content pyramid works for an individual AND a business. Organization, distribution, and content. Support the show (https://www.patreon.com/user?u=16559762)

In this episode of Financial Flexibility many of you are $1200 richer. We're going over some ways to spend that new money from the stimulus check! This series is designed to put you in control of your finances early and help you develop good habits that net an INSANE ROI over the course of your career.* It's important to note that this is free money created out of thin air and given to you. It's fabricated and not real. You should NOT be reliant on this cash whatsoever. *1. YOUR RENT/UTILITIES If I'm going to spend this money anywhere it will be here. Rent and utilities are 2 of the largest expenses Americans have. This check should go toward April's rent (if you haven't paid it yet) or even better, toward May's rent. Get ahead on your rent expense for the month of May. This provides you instant flexibility!! 2. YOUR EMERGENCY FUND This check is the kickstart that we all need. Most Americans don't have 3-6 months of expenses saved as cash. This stimulus check could be the perfect start to your emergency fund, $1200 goes a LONG way. If you've already began developing your emergency fund put every single penny of this check into your fund. This is a time of major uncertainty, cash is PRICELESS! 3. HIGH YIELD SAVINGS ACCOUNT I know I talk about these way too much but this is the perfect spot for your entire stimulus check. If you're lucky enough to have 3-6 months expenses already saved put your stimulus money here. Allow your free money to accumulate interest so you have even more a year from now!! Goldman Sachs Marcus accounts are easy to create, should take you less than 20 minutes. 4 & 5. INVEST IN YOURSELF OR YOUR BUSINESS If you have a higher income, an emergency fund, and a larger high yield savings account already then use this money to invest in yourself. We have nothing but time right now, use your time and free money wisely. A home-gym set up, podcast equipment, a camera, etc... choose to start a new side project. If you own or run a business $1200 can go a long way. Improve your day to day operations and efficiencies. Invest in a new advertising campaign or product that improves profit! Support the show (https://www.patreon.com/user?u=16559762)

In this episode of Financial Flexibility we're going over an EASY mind hack and the 2 key factors to your financial success. This series is designed to put you in control of your finances early and help you develop good habits that net an INSANE ROI over the course of your career.THE MIND HACK: When you're living your everyday life expenses can add up. Food, clothing, bars, dates, etc... These everyday throw-away purchases can wreck your personal finance goals. Instead of spending money first I've hacked my mind. Invest first, spend second. The key is to justify each and every purchase. Does the thing/service I'm buying provide me long-term value and ROI? This question is the mind hack of all mind hacks. THE 2 KEYS TO SUCCESS: Self-discipline. It's like exercise and diet. Without this, you'll end up cheating on your diet and skipping a workout because you're "tired". Accountability. Just like the gym, if you have a partner you are guaranteed to push yourself harder. Making smart financial decisions almost REQUIRES you to have a partner. They will keep you on track. Support the show (https://www.patreon.com/user?u=16559762)

CHOOSING A BROKERAGE: Congratulations. If you're looking at brokerages you're already making the commitment to your personal finances and doing more than the majority of Americans. Choosing a brokerage is the first step to stock ownership and ultimately reaching your financial goals.Some of the most common brokerages are Fidelity, Charles Schwab, E-Trade, TD Ameritrade, and Robinhood. Take the time to look into each one, make a decision based on whatever you feel comfortable with. Some offer no commission fees, some offer consultations. There is no wrong decision!Look into your company sponsored 401k plan, you can always open an individual investment account under the same brokerage. I did this with Fidelity, funded my account, and was ready to go.UNDERSTANDING PATIENCE/RISK: Now that your account is funded you'll learn that investing is a rush, it's gambling, an adrenaline high everyday from 9:30am - 4pm. As a young investor I can get caught up in the emotional side of everything. I watch my portfolio grow and feel invincible. Many of us have felt something similar to this.As a young investor you catch yourself refreshing your portfolio, staring at stock charts all day, and making impulsive trades. All of this stems from a lack of patience. I invest because I want to grow my money, when I don't see results/returns fast enough emotional decisions are made.Understanding where your head is at when it comes to your personal investment portfolio is the key to successful trading. Your trades, portfolio diversity, and ultimately your success leans on your mindset.2 COMMON INVESTMENT STRATEGIES: Diverse Index FundsA good portfolio is a diverse one. Index funds are designed to help you invest in the stock-market as a whole. Vanguard is the largest index fund manager in the world and they're considered the gold-standard. You can choose to invest in one fund or multiple if you'd like .A common fund is VFIAX (Total Stock Market Index) which gives you access to small, mid, and large-cap stocks. The index is comprised of over 3,500 stocks, this gives you diversity and hopefully great returns over time. You can buy this index through your brokerage of choice under the ticker symbol VOO.If you're looking to add more diversity you can add U.S Bonds and International Stocks as well. Check out VBTLX and VTIAX found under the ticker symbols BND and VXUS. If you're taking a hands-off approach to investing you can always buy a few shares of these indexes and set it and forget it.Dividend Growth InvestingThis is another passive investment strategy. You choose stocks in multiple sectors/industries that provide their investors with a dividend. Those dividends are paid to you on a quarterly/annual basis. You re-invest the dividends that are paid to you in order to compound your money and get more returns. It's simple and very hands-off.Some dividend stocks include: Exxon Mobil, Boeing, Coca-Cola, Cisco Systems, McDonald's, Goldman Sachs, Microsoft, and Home Depot. You can see the wide variety of industries/categories these all fall into.Over multiple decades these stocks should see solid returns and you should be rewarding for investing in them.Support the show (https://www.patreon.com/user?u=16559762)

In this episode of Financial Flexibility we're discussing how to cut expenses in a very expensive world and where to save your cash each month. This series is designed to put you in control of your finances early and help you develop good habits that net an INSANE ROI over the course of your career.CUTTING EXPENSES: Roommates. Very simple idea here, find 1 or 2 friends and rent a 2-3 bedroom apartment/house in order to cut down on the cost of rent. Potentially you can save $200-500 per month. Gas. Look into mileage write offs for work. The standard deduction is 0.58 cents per mile driven for business. This helps when tax season rolls around especially if your career requires you to drive your personal vehicle. Food. The biggest one that I hear about. Meal Prep on Sunday Night can potentially help you save $100+ per month. You invest an hour or two of your time in order to save $100? Seems reasonable. WHERE TO SAVE MONEY: #1 Emergency Fund. 3-6 months of expenses helps create financial flexibility and pays for your $2000 HEADLIGHT REPAIR!! REALLY? #2 Roth IRA. Your TAX FREE retirement account. I hate taxes, you hate taxes, why not save your money in an account that's tax-free? Seems like a no-brainer to me. #3 High Yield Savings Account. My "big purchase" fund. This account pays 1.7% APY which is INSANE compared to the 0.03% I get on my bank's saving account. This fund helps me save for vacation, a new car, a house, etc... https://www.marcus.com/us/en#4 Investment Portfolio. My work has a 401k through Fidelity so I also opened an individual investment account with them. This is the last place I put money every month because stocks are the "riskiest" investment. Rule #1 is don't lose money!!In conclusion, cutting expenses and saving your money in the right places directly leads to your SUCCESS. The whole idea is to make conscious/informed financial decisions early on so when your friends invite you to the bar you can buy everyone a round! Here's a link to the Creative Variable website with a blog outlining everything I spoke about in this video:https://www.creativevariable.com/blog...Support the show (https://www.patreon.com/user?u=16559762)

This is another solo episode with VALUE. This is a short story about NASCAR and the marketing behind the sport. I have over 10 years of experience with this sport. I think this small rant can be applied to anyone looking to grow a personal brand or business. Think about your end consumer. Are you providing them enough value? Are they going to keep coming back? Why do they keep coming back? Topics include: entrepreneurshipvaluemarketingSupport the show

This an un-edited/raw conversation I had with my buddy Garrett from the Millennial Walk. He is living proof that anyone can create a community on social media. He has grown his Instagram account from 0 to 4,000+ followers in a little over 1 year. He mainly relies on his strong networking skills to build the account. This episode's topics include: Hard Work Community Content Distribution Networking Value Hope you enjoy! Support the show

This is a solo episode! The topics include: money, satisfaction, success, and work. Please listen to this on your morning/afternoon commute. I hope you find some sort of value. Check out my LinkedIn page (Nathan Winnie) if you prefer reading rather than listening. Let me know what you think of the solo episode format. I will try to upload these in between interviews to help give you all shorter episodes to digest. Thank you for being here. It means the world to me.Support the show

The 1st episode of any Podcast is going to be choppy so Forrest deserves a major shoutout for taking the time to sit down with me. This guy has more business ideas than anyone I know. Please check out Cufflink Crew when you get the chance, we'd really appreciate it!Support the show