Revised: January 3, 2023
Education is just outside of academics as well. This is a feature of an interview I had with Mike Shapiro. Being educated on the COVID-vaccine is important. We at SFU don't support the vaccine, formaldehyde and 3d liquids are not meant for living bodies. These snake like clots form in the blood clot and some of these boosters contain toxic waste which forms parasites in your body. If your heart gets even to the state of 35% parasites, your heart will explode and the residue of these clots contain genetically modified bacteria and bacteria in the blood can kill within 48 hours and destroy the vertebrae of the body. Back to the next topic, as a Vanderbilt Alumni & a black Vandy Alum at that, our culture of education is flawed. I'll be real, I'm in the high tax bracket. That's not the norm nor should be everyone's goal. As black men, we don't focus enough on education. We focus on bullshit! Simple as that. Is an athlete or rapper wrong? No, focus on your passion and purpose but it goes downhill once you add the seasoning of ignorance to it. Going pro or mainstream is excellent but #1, you're getting fleeced and not only you get fleeced, you're on political strings. We all see that with Kyrie and Kanye. Speak on the handlers you get put down. Plus, most of us do bad with our money. We don't play chess but rather checkers. Look at Revolt, our media is ignorant and corrupted. Let's say I'm a NFL player getting a 4 year/$125M guarantees contract and I play for the Bears. From entertainer to entertainer, build a fraternal circle and have an agent in your circle because the Jewish agents will fleece you and remove you once you trigger them. As a NFL player, watch your circle of friends and women. That's why having a group of high value educated socially dominant men and having loyal trustworthy business partners during college find a wife, marry her, buy assets etc. Get an intelligent woman who can be the assistant while you're playing but use that strip club energy into building your empire. Always have your paperwork, check stub, tax info and company portfolio in case to avoid getting ripped off or even offer partial ownership.
(Pay off debt and build credit with signing bonus)
Year 1: $31,250,000 after signing bonus
LLC cost in Illinois - $150
(Tax protection)
100 acres of land in Illinois - $900,000
Average return rate: 10%
The Midwest is the World's agricultural capital. Very lucrative.
S Corp cost in Illinois - $275
(Use 60/40 rule but I won't highlight yearly franchise earnings overall because outside of salary and shareholders, it'll be reinvested into the company.)
Franchises (preferably 4)
- U-Haul - $53,000 (+SafeMove Plus)
U-Haul is a service business, it'll never die especially in Chicago which is a booming metropolis. Get an AMEX platinum for business, use 25% of the starting limit towards funding.
Average yearly return: $260,000
- McDonald's - $1,010,000 (+MPA)
The World's biggest food chain owned by a megastar, insurance and hiring private security & police for all franchises is important.
Average yearly return: $300,000
- Starbucks - $325,000 (+Nationwide)
The biggest coffee chain and super marketable brand.
Average yearly return: $120,000
- OrangeTheory - $62,000 (+Nationwide)
As an athlete, good to own a game as it builds the brand. This location would be better for Arlington Heights.
Average yearly return: $92,000
At the same time of doing this, you build a $6M dollar dividend portfolio.
$6 Million will generate $20k per month for the next 70 years---provided you can manage 4% average annual return. That's $240,000 extra put that towards any taxes and pay beforehand to get your money in full.
You invest it in a blended, diverse portfolio---dividend stocks should be a part of it---but I'd also suggest Growth Stocks, Foreign Stocks and High Quality Bonds as well.
When you take your income though Interest, Dividends and Capital Gains it can be very tax-efficient and will generate the least amount of annual uncertainty.
Next, avoid income tax. Do asset based lending, borrow against your wealth and therefore it's not taxable. Asset-based lending, allows the wealthy to borrow money against their portfolio when they need cash, eliminating the need to sell appreciated investments that may incur gains.
Plus, write-offs are important for your businesses. Register as an expense but don't register more than 35% of your cumulative assets because we use credit to leverage and build wealth. Write offs are good but too much tax write offs also equates low credit because the Bureau can't see the technicality but if you wrote off $70k of a business worth $91k, you only get enough credit and funding for a company worth $21k. Don't cheat yourself.
- Purchase a foreclosed duplex for $150,000, put $1,000,000 into restoration and renovation. Make it worth $800,000. Rental value of 1.1%. Rent both out. $8800 x 2 = $17,600 a month. $211,200 a year. Acquire a HELOC for expenses. A home equity line of credit (HELOC) is a revolving form of credit secured by your property. You can borrow as little or as much as you need, up to your approved credit line and you pay interest only on the amount that you borrow. Double that down with a PMI, Private mortgage insurance, also called PMI, is a type of mortgage insurance you might be required to pay for if you have a conventional loan. Like other kinds of mortgage insurance, PMI protects the lender—not tenant—if you stop making payments on your loan.
- $250,000 S&P 500 portfolio.
Average return rate: 11% ($27,500)
Buy used cars. 3. Luxury, Terrain, SUV and Classic.
1 for fun
1 for Midwestern weather
1 as an asset
- 2013 Land Rover Range Rover Sport
$29,000
- 2018 Lincoln MKZ
$28,000
- 2016 Mercedes Benz GLA
$27,000
- 1957 Chevrolet Bel Air
$50,000
15% appreciation ($7,500)
Get the classic for more money and only drive it 2-3x a week. Don't keep it idle but don't overuse it. Keep it in mint condition, the car appreciates in value.
Home: Mortgage a home in Arlington Heights or Mount Pleasant preferably.
Home price: $900,000
Interest rate: 4.8%
30 year mortgage
Monthly payment: $4,722
Earned: $1,267,200
Yes, the expenses beat the earnings now but the big expenses come once, the passive income is everlasting and we'll add the earnings with next year's flat rate + average inflation rate (3.8%) used to our benefit.
Use the rest to build your body and have some fun.
(Debt-free, high credit and full leverage)
Year 2: $32,565,353 a year
Start a Real Estate holdings company and use Angel Investing or Venture Capital. Start acquiring business more and more, restore, rebuild and advertise to investors. As an athlete, you don't have enough time to run all these businesses full time. Therefore for a higher reward and lower risk strategy, become minor owner, founder and retain board of directors rights in Corporate. Put 65% of your business ownership so you can sell your ownership for liquid immediately. Let's say you sell that between 2 people, earn $7M in the buyout. 1 guy has 50%, another has 15% and you have 35%. You don't need to be active as much, it's a paycut at first but in the long run a huge profit + shareholders have executive rights as well Let's say you do this with a restaurant, bank and manufacturing plant. Hell of a lot of money! You get $10M up front from buying rights out. Appromixately $85M along the way. As far as manufacturing, the Midwest is the home of innovation. Get contracts with AI companies and Mechatronics companies to distribute heavily. Reinvest more than investing, projection earn is $65M. Bank is $10M and Restaurant is $10M. Secure 4 more franchises:
- Ruth Chris - $150,000
Your return: $31,500
- 7-11 - $25,000
Your return: $69,000
- In - N - Out - $40,000
Bringing an In N Out to the Midwest would be colossal and profitable! A1 investment
Your return: $11,000
- Waffle House - $200,000
Waffle House is a Southern delight. Not my thing but imagine it in the Midwest.
Your return: $231,000
Invest $250 a day into industries like A1, Auto, Energy, FinTech, E-Commerce, REIT'S, Credit, Crypto, Guns, Weed, Psychedelics etc. This is a 20% a year return portfolio on $91,250.
Yearly return: $18,250. Turned 2 Benjamin's and a Grant & compounded it by $18,000!
Back on credit, get 3 cards. Based on your income, your income is probably $120k a year off of credit limits. Use that to start an ATM company. $5k per ATM.
In business, always provide service.
Use personal money to pay for sales tax. Secure 24 ATM's in the first 3 months. That's $120k.
Everyone one generates $40k a year on average, that's $960k a year!
24 every 3 months means a bulk order every quarter, 96 in total. That's $3,800,000 in a year and make it 24 a month next year.
Next, don't start a YouTube. You're a famous Chicago Bear. Don't be a fool, be a business. Use your IG, Twitter, Snap & LinkedIn to promote your Patreon. Have people pay $2.50 a month so it's affordable. Let's say you get 100k patrons and they all stay for the year. That's $3,000,000
Get a Vending Machine, for $1k. Make $5,100 a year. Secure 100 for $100k. Make $510,000 a year.
To wrap it up for year 2, buy small percentages of other Chicago teams. White Sox, Cubs and Bulls or better yet, acquire shares of your NFC North Rival, Green Bay Packers. Get 8k shares of $300 and register it under a trust fund.
Also get an universal life insurance policy for $1M for $62 a month. This is for starters.
Year 3 - $134,880,750 a year
A LOT MORE MONEY OFF YOUR VENTURES AND LEVERAGING YOUR BRAND. Use it to keep investing and build your body. Now share your knowledge. Host an event, have 2k seats and sell out for $750. $1,500,000 before the show. Double your credit lines and maintain them.
Year 4 - $166,130,750 a year
That's flat rate. Use a lot of that money for personal use and building your athletic skill & football IQ. Remember, you're never hungry.
So we turned a 4 year/$125M contract into a 4 year/$364.8M contract and here's the cherry on top. You made $239M extra off of investments that have no contract or end date. Leverage freedom. With that money, build what you need for the black community in cities like Detroit, Chicago, Trenton, Milwaukee, Indianapolis and work it full time post-retirement to keep your brain sharp and pockets fat.
Now, back to professionalism education. In the United States of America, go to the schools of prestige not the HBCU or hometown schools. Black Students go in school unprepared. Don't understand the social scene or the academic scene & most parents send their kids unprepared. Here's the schools you should target:
Midwest:
- University of Michigan
- Northwestern University
- The Ohio State University
- University of Minnesota
- Michigan State University
- University of Chicago
- University of Illinois
East:
- Any Ivy League school
- New York University
- MIT
- Temple University
- Johns Hopkins University
- Villanova University
- Georgetown University
West:
- Stanford University
- UC Berkeley
- Pepperdine University
- University of California Los Angeles
- University of Southern California
- Loyola Marymount University
- CalTech
South:
- Vanderbilt University
- Duke University
- University of North Carolina - Chapel Hill
- Wake Forest University
- Georgia Tech University
- Rice University
- Tulane University
Don't go to an Alabama, Minnesota-Duluth, Wyoming or Maine. Go somewhere where you have arrived. Chase a profession in law, architecture, math, medical, computer science, engineering, real estate, political science etc. Get something useful. Now before college, you should've been working 2 jobs and applying for scholarships along with any help you might have. We are trying to have enough money to pay for all expenses & still avoid being barebone after paying. After paying for the dorm etc, you need to be focused. Get your books and academic work complete, start a side hustle and get an important social circle.
As an undergrad freshman, 75% for books, 10% for the side hustle and 15% for an important social circle. Academics first, athlete or not. A great side hustle is dropshipping. A circle is important because it's far from intelligent to have a circle of at least 10 during college (7 guys, 3 girls), have 1 be a roommate, split the rent, quit 1 job, work 1 job etc. You need at least $6.5k on you. Buy books, groceries, wardrobe, social event money, tutors etc. You need a seasonal or semester girlfriend from freshman to sophomore year to help you adjust to relationships in a competitive market known as University. You need to max out these attributes:
- Being a gentleman
- Looking the best everyday
- Work ethic
- Study ethic and discipline
- Long term and day by day agenda
You need to study cultures in depth and learn at least 3 languages alternate of your native. You need to be well-equipped in every way possible. Know something about everything due to the fact that you'll always be valuable in a competitive market. Prove yourself in class, don't be the guy to answer every question, display confidence. Ask questions before class and after dismissal, this isn't 3rd grade, no need to be a look at me show. As the freshman, target the "Alpha". Work with him using his strategy or compete against him using your own strategy. Earn your reverence. As I said, join a fraternity or some well established, respected brotherhood. After you get your feet wet, start casually flirting and dating the Sorority women. It's a rank of prestige there and it garners that class of honor from both fraternities and sororities. Same as when you do community events. Here's the thing, being the man of the hour but balance that out with being a scholar. You need to reach out to the alumni chapter and break bread with the alums. Add and receive knowledge from the OG'S.
Off-college life:
Find a house of worship, a chamber of commerce, a lounge and a mixer to connect with your fellow fraternal nrothers and alumni. You need a wardrobe. As I call it the formal code:
- 5 ties
- 5 dress shirts
- 5 casual shirts
- 5 designer shirts
- 5 turtlenecks
- 5 blazers
- 5 shoes (Sneaker, Oxford, Boot, Brogue and Monk Strap)
- 5 chinos
- 5 slacks
- 5 jeans
- 5 vests
- 5 pair of glasses
- 5 letterman jackets
- 5 fedoras
- 5 leather jackets
- 5 fragrances
- 5 belts
- 5 watches
- 5 pair of socks
- 5 jerseys
We're grown damn men. Act like one, dress like one, bathe like one, talk like one & think like one.
Post-grad and when you become an alum, donate, send your kids, start a family foundation with your wife and campaign for people to go to these schools. As a business owner, I respect Vandy students and alum. Have discounts for Vanderbilt affiliated people. Get executive orders through and keep that class of elite, bourgeoisie men throughout the United States of America. Buy your politicians, run for office in cities, get a county seat etc. Be someone important in this country and your community & work with and live amongst all cultures. Get your mind right! Thank you for viewing. Follow Rob on Instagram:
@themarriedmans_advocate