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This content is provided for educational and informational purposes only and should not be construed as personal financial advice. The strategies, examples, and recommendations discussed are based on general principles and may not be suitable for your individual circumstances. Financial decisions involve risk, and past performance does not guarantee future results.
Before making any financial decisions or investments, you should:
- Conduct your own research and due diligence
- Consider your personal financial situation, goals, and risk tolerance
- Consult with a qualified financial adviser or professional
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You watched the video about the 3 mechanisms that keep 90% of people trapped in the middle class, and now you want to take action? Brilliant! This article complements the video content and provides the practical resources I promised to help you start your financial transformation today.
Why These Resources Are Essential
During my journey as an economist, I discovered that the difference between those who remain stuck in the middle class and those who break free lies in practical implementation. There’s no point having theoretical knowledge if you lack the proper tools to put it into practice.
The three resources I’ve prepared for you are based on:
- Real data from my consultancy experience
- Tested methodologies with hundreds of clients
- Proven results over years of application
Resource #1: Real Net Worth Calculator
Why Calculate Your Net Worth?
Most people have never done this calculation in their lives. Result? They live in the dark about their real financial situation. How can you reach your destination if you don’t even know where you are?
What the Calculator Includes:
ASSETS (What you own):
- Current and savings accounts
- Investments (ISAs, stocks, bonds, etc.)
- Pension funds
- Property (market value)
- Vehicles (current value)
- Other valuable assets
LIABILITIES (What you owe):
- Mortgage
- Car finance
- Credit cards
- Personal loans
- Overdrafts
- Other debts
AUTOMATIC RESULT: The calculator automatically computes your real net worth and displays visual charts to help you understand your current situation.
How to Use:
- Set aside 1 hour to fill in with real data
- Be honest with the figures – nobody else will see them
- Update monthly to track your progress
- Use the result as a starting point for your goals
Resource #2: Multiple Income Streams Template
The Importance of Diversification
As I mentioned in the video, those who truly escape the middle class build an income architecture with multiple pillars. This template will help you identify and organise your possibilities.
What the Template Includes:
SECTION 1: SKILLS AUDIT
- Inventory of your professional competencies
- Personal skills that can generate income
- Problems you already know how to solve
- Knowledge areas where people always ask for your help
SECTION 2: OPPORTUNITY ANALYSIS
- Primary active income (optimising current job/business)
- Secondary active income (consultancy, freelancing, services)
- Passive financial income (traditional investments)
- Scalable businesses (digital products, automated systems)
SECTION 3: PRIORITISATION MATRIX
- Analysis of time x investment x return potential
- Realistic implementation timeline
- Validation milestones for each income stream
- Plan B for each strategy
SECTION 4: TRACKING
- Monthly targets per income stream
- Progress metrics
- Space for adjustments and optimisations
How to Use:
- Dedicate 2 hours to complete thoroughly
- Be realistic about available time and resources
- Always start with secondary active income (lower risk)
- Review and adjust quarterly
Resource #3: 90-Day Implementation Schedule
Why 90 Days?
Three months is the ideal time to create new financial habits and see the first practical results. It’s enough time to implement significant changes, but short enough to maintain focus and motivation.
Schedule Structure:
MONTH 1: FOUNDATION (Days 1-30)
Week 1: Complete Diagnosis
- Days 1-2: Calculate real net worth
- Days 3-4: Map all current income streams
- Days 5-7: Analyse expenses from the last 3 months
Week 2: Financial Organisation
- Days 8-10: Open investment accounts
- Days 11-12: Set up automatic transfers
- Days 13-14: Renegotiate debts (if necessary)
Week 3: First Secondary Income Stream
- Days 15-17: Choose first opportunity from template
- Days 18-20: Create basic service offering
- Day 21: Make first commercial proposal
Week 4: First Investments
- Days 22-24: Make first investment (however small)
- Days 25-27: Study investments for 30 minutes daily
- Days 28-30: Evaluate first month’s results
MONTH 2: CONSOLIDATION (Days 31-60)
Weeks 5-6: Primary Income Optimisation
- Negotiate pay rise or better conditions
- Seek qualifications that increase value
- Map internal opportunities (if employed)
Weeks 7-8: Secondary Income Expansion
- Secure first 3 clients/projects
- Adjust prices based on feedback
- Create simple organisation system
MONTH 3: ACCELERATION (Days 61-90)
Weeks 9-10: Automation
- Systematise secondary income processes
- Increase investment contributions
- Explore third income stream
Weeks 11-12: Next Cycle Planning
- Evaluate 90-day results
- Adjust strategies based on learnings
- Plan next 90 days with bigger targets
What to Expect After 90 Days:
✅ Net worth mapped and growing ✅ At least 1 secondary income stream functioning ✅ Investment habit established ✅ Financial mindset transformed ✅ Solid foundation to accelerate in the next cycle.
P.S.: If you’ve read this far, it’s because you’re truly committed to your financial transformation. The resources are free, but they have real value. Use them, implement the strategies, and transform your financial life in the next 90 days!