The Simple Formula to Achieve Great Wealth

Are you unlucky or just unprepared? [Shield] AN OXFORD CLUB PUBLICATION Loyal reader since June 2020 [Liberty Through Wealth]( [View in browser]( SPONSORED [The Next Big Gold Play: 1-Oz of Gold Exposure for $20]( Gold is set to skyrocket, but most people don't know about this under-$20 stock that offers a stake in more than an ounce of gold. [Click here for urgent details before the market catches on.]( EDITOR'S NOTE Knowing how plugged-in insiders are investing their money is the closest thing to having a true "information advantage" over the rest of the market. And it's the secret fuel behind [Alexander Green's approach to picking stocks with explosive potential](. And it's how Alex has delivered triple-digit winners like 227% in 22 days... 439% in 90 days... and even 1,163% in just 100 days. Now, he's sharing how his system works - and how you can put this "information edge" to work yourself - [right here](. (He's giving away his latest insider stock pick to get you started. [Check it out!]( - Nicole Labra, Senior Managing Editor THE SHORTEST WAY TO A RICH LIFE [The Simple Formula to Achieve Great Wealth]( [Alexander Green, Chief Investment Strategist, The Oxford Club]( [Alexander Green]( Social justice warriors claim that wealth disparity in this country is due not to differences in education, skill, hard work, persistence, and calculated risk-taking... but to "luck." It's essential for them to make this argument if they want to persuade others to accept their remedy: radically higher taxes and greater income redistribution. Taking money from those who earned it and giving it to able-bodied individuals that haven't earned it isn't everyone's idea of what's "fair," especially since state and federal taxes may take a third to a half of a worker's annual income. To counter those who want to keep the fruits of their own labor, the mainstream media label them greedy, selfish, uncaring... and, of course, "lucky." How much does luck or good fortune really have to do with it? You be the judge. According to the U.S. Census Bureau, three quarters of households in the top income quintile have two workers. Less than 5% of those in the bottom quintile do. For every hour worked by a bottom quintile household, a rich household works five. Is it lucky that one household works five times more than another - or is there a better, alternative explanation? Most of us work, however, but many don't save. The Federal Reserve recently noted that nearly 80% of Americans live from paycheck to paycheck. Half say they would have trouble finding $400 to pay for an emergency. Those who are physically or mentally disabled and unable to work deserve our sympathy not our condemnation. But that cannot possibly describe most of us. The U.S. Census Bureau estimates that the median household income was $80,610 in this country in 2023. SPONSORED "His trading system is a game changer!" - Subscriber Carlos G. [Alpesh Patel]( Top-performing trades like 107% on ADBE in 71 days... 123% on DOV in 63 days... 119% on NOW in 58 days... 77% on PERI in 125 days... 100% on MOH in 8 days... This guy's track record is red-hot! Now grab a pen... Because for a very limited time, this intrepid Englishman is sharing his full system with anyone who [clicks this link](. Let's imagine that you and I are two hypothetical families earning exactly the median income - and watch how quickly our behavior changes our economic circumstances. I'm a spendthrift. I blow every penny I make each year. You, on the other hand, are more prudent. You regularly save 3% of your monthly income - $190 a month - through a Roth IRA. Let's further stipulate that you invest it in a plain-vanilla S&P 500 Index fund that generates nothing more or less than its average long-term return of 10%. After the first decade, with dividends reinvested, you have $36,830. I have zero. As you can see, things are already unequal. In 20 years, you have $$131,865. (Finding $400 for an emergency is not a problem.) I have nothing. In 30 years, you have $378,361. (I still have nada.) And in 40 years, you have more than a million dollars. Plus, it's tax-free. (Let's remember you were smart enough to invest in a Roth IRA where distributions are tax-exempt.) Senator Bernie Sanders - who proclaims that he "does not have millionaire and billionaire friends" (despite having a multi-million-dollar net worth himself) - will stand at the podium and condemn you for your greed. (As if living within your means, deferring gratification, saving, and investing is selfish behavior.) But he will ask me - who saved nothing and therefore has nothing - for my vote, so that he can right the maldistribution of wealth in this country. Some readers may not have 30 or 40 years to save and invest, of course. In that case, you need to earn more, save more, or earn a higher rate of return... or all three. If you saved 10% of your income rather than 3% and invested in the higher-returning Russell 2000 index of small cap stocks, for example, you would have $141,305 in 10 years and $580,176 in 20 years. You would be a millionaire in less than 25 years. Amp up the savings or the returns even more and you'll be there quicker still. In short, it's your behavior rather than luck, fortune, or "the breaks" that ultimately determines your financial wellbeing. What can you do - specifically - to accelerate your wealth accumulation? - Upgrade your education or marketable skills to maximize your income. - Live beneath your means. (When your outgo exceeds your income, your upkeep becomes your downfall.) - Save as much as you reasonably can, while still living a balanced life. (Saving all your money for retirement is like saving up all your sex for old age. It doesn't make a lot of sense.) - Invest those savings in the world's highest returning asset: a diversified portfolio of high-quality stocks. - Minimize your investment costs. - Tax-manage your portfolio - as with a Roth IRA - to avoid the prying hands of the IRS. - Let your money compound as long as possible. - And try to stay married. (Not always possible, in some cases, but divorce is far more likely than a bear market to halve your portfolio.) Is this realistically achievable? Indeed, it is. As a former money manager, I watched hundreds of clients do just that. They weren't lucky. They had a plan. They stuck to it. And they reaped the rewards. With time and discipline, you can too. Good investing, Alex [Leave a Comment]( [OXF Seven]( BUILD AND PROTECT YOUR WEALTH - [Sign Up for the New and Improved GVI Investor. 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