Gonna be a short one since Sunday is my busiest day. Low risk investments are generally lower yield, they have a lower possibility of failure or loss. Think of bonds, houses, and gems. So what are the options? Houses are self explanatory, buy one and it will increase in value, maybe make it a rental home and get rent money from it. Bonds are loans you give to organizations, think government and banks. They are generally long term and lower risk, he rates can fluctuate on them and that means you may lose some money on them even halfway through a bond's term. That lose is based on the health of the economy so still lower volatility than stocks. Funds(also called ETFs) are a stock grouping, think of it as a goody bag filled with different stocks. These are generally safer than manually investing because funds have safer socks mixed in with more volatile stocks that could jump and make you loads of money. So a lower risk for people looking into getting stocks without the anxiety of it all crashing down. Businesses: You can buy already made businesses, on sites like Bizbuysell, Flippa, and more. Because these sites sell businesses that are generally established and have a good history. Meaning you won't be scared of the business failing right when you take over. That should be it but ask questions and Hopefully I have the answer.

Yesterday we talked about different types of investments, today we are talking about volatile investments you may or may not know. What are volatile investments? Generally think of the stock market, startups, and crypto. Why are they volatile? Because while other investments have steadier or more predictable growths, volatile investments do not have a stable growth that most other investments have. The upside is benefits and higher growth ceiling. So what are the options? A lot. A lot I don't know, so the ones I do know are stocks, startups, and crypto. Stocks are loaded with options. What do I mean by that? Stocks have categories like common and preferred stocks, Class A and Class B stocks. What do they mean and how do you make money from them? Well first off the main stock types are common and preferred stocks. What are they? Common is as said, the most common stocks traded. They allow you he right to vote and grow based on the company's profits. So when a company is making record sales your common stock rises. When it falls so does your stock. Preferred stocks are more like bonds. They offer dividends at a fixed rate and if a company ever goes bankrupt you will be first group in line to receive your payouts before the common stock holders. While you don't get the right to vote with a preferred stock it is the best for long term growth. In summary: Common stock is betting the company makes profit, Preferred stocks is betting the company stays around. Class A and B stocks are just filters for who gets the dividend first or even benefits like how powerful your voting right is. So you can have Class A&B Common stocks and Class A Common stocks are the ones getting their dividends before Class B holder. Same thing applies to Preferred stocks when it comes to Class A&B. Bonus fact: Some stocks give you benefits like Royal Caribbean stocks give discounts on cruises for stock holders. So do your research. Startups. Just like stocks they can be volatile. When you invest into a startup you can either invest into their stocks or buy ownership. Where regular stocks market has companies that are generally stable or long lasting, a startup has a very real possibility to fail and go bankrupt. Something new to know is ownership. Mainly ownership is he amount of power and well ownership you have in a company. Think of this as preferred stocks as a gross approximation. Money and growth for startup investments can be high in the sky or absolutely flop. Like gambling be more random and messed up by human involvement.

@Chris Wilson asked a good question of :"What's your go-to for keeping liquid cash growing?" And the best I can say is gear, CDs, tools. SUPRISINGLY my most expensive asset is, get this, my Hormesis Cloudian I was gifted for college graduation. What is that? Well paintball fans may know Hormesis as a headband company that is something like a Gucci of the paintball world. That means that a headwrap can be worth something good. After market on my 1 of 16 Cloudain is worth some 6 to $800. That's correct, a headwrap for a sport can be worth $800. Does that mean you should get headwraps and save? Hell no. The point I want to make is that if you have a hobby or run in the right circles, it can be worth money to save or buy. How you may ask? To the greater public a headwrap that costs $800 is insanity and that its just a scam. But in the paintball circle that $800 price tag is worth it. If you are in a niche worth is more subjective than in the general public. Would someone who does do RC car racing want to pay some $300 to get a rare or specialty made internals? Most likely not. But people in the RC community will pay that and more for something they see as worth it. So if you are in a niche hobby then look into groups of that interest and look into buying or trading to get something of high worth inside that community. Now what if we don't want to deal with niche interest drama and the uncertainty of worth inside of a hobby? Well we have more avenues. You have have seen some online "side hustle" gurus talk about a few avenues of profit like making marriage arches to rent or renting out tools/trailers. Is this worth it? Yes and no. Like most "Side hustles" you are doing a job/making a business. You need time, effort, and luck set up this "side hustle" to be automated. It can still be very much worth it if you can set up the "Side hustle". This is an avenue where you can make money with varying amounts of involvement on the business.

Cutting costs is always important for keeping your money and living without worry of homelessness or ruin. But you always need more money if you want to be free. Your job may be the thing paying the highest from all the other investments but like I said before, the more streams of income the more freedom you have. Why is that? Imagine you wake up tomorrow and you find you are paralyzed or even learn you have cancer. Terrible stuff, now when your job stops being your main source of income what else can you rely on? For many people who have lost their jobs for medical reasons or other reasons they struggle to make ends meet. Even full time workers with a healthy body and a good job may be living paycheck to paycheck, just one accident away from going under. So what do you do? You invest. From CDs, High yield accounts, Stocks, rental homes, funds, bonds, and more. Investing is what lightens your financial burden of your job and even improves your finances. So what is there? Loads of stuff but the main ones I want to talk about are 1:Accounts(CDs, HYSA, etc.), 2: volatile options(stocks, crypto, startups, etc.), 3:Low risk options(bonds, funds, land/homes, etc), and 4?: Private investments. For #1 I already talked on the options like CDs and HYSA. But there are other accounts out there that can make you money like the aforementioned accounts. Those being trust and life insurance. How? Gross oversimplification on trusts: Irrevocable trusts are for kith and kin(friends and family) that will around forever. Revocable trusts are for when the Grantor(person who made the trust and puts assets into it.) still loves but will move their assets to another without probate taxes. (AKA parents want to pass down the house while they still live without having to pay massive taxes.) So how can a trust earn money? Generally a Revocable trust that is set up correct to take loans out can have their Re:Trust act as a loose definition of a bank. Meaning the Benefactor(Person who the trust befits from.) who should be you can take a loan out from the Re:Trust and purchase more assets, land, houses, or businesses. So how do you set it up? Grantor(Trust maker and one who adds to the trust) needs to be you. Benefactor(Who the trust goes to when Grantor dies or is sick) needs to be you to ask for the loan. The Trustee(Trust manager/accountant) cannot be you for the loan to work, you need to either get in a company or special person who will authorize and be the one to give you the loan. you do need to have the paperwork for the RE:Trust to actually have the ability to loan out, but you can also set your own rates as the Grantor.

Day 4 and now we will focus on something I have the least experience with but a decent amount of knowledge on. Saving money on everyday things. So what savings are we talking about? Deals. Coupons, grants, assistance programs, and trimming costs. What are they? Deals are just the average thing you expect, when something is at a lower price than usual. From food to software and assets. During certain days or even certain times businesses will use Deals to entice you to buy even when you were hesitant to before. Best way to use these? Keep an eye/list of things you wish to buy but were too pricy to buy right away. When the item is on sale or has a deal that lowers the price or even adds extras onto the normal price you then decide if the item is worth the buy. Coupons are what you expect, a deal using a medium to drop the price on an item(s). These are more common and appear even in normal days and be used on the item said on the coupon. Food, Furniture, tools, software, and so much more. If you shop at a place often then invest some time and attention into getting coupons from that shop. Grants are not so much saving money but is still a way to save money because the money you can get will help release pressure from your situation. While a more round about on saving money, getting free money from your government, non-profit organizations, or other institutions with little to no stipulations is a life changer for most people. So how do you get free money? The easy solution is looking up grants offered by your government and other such organizations. While it does have an upfront cost of attention and information divulgence to have the possibility to get the grant, it is still better odds than the Powerball or gambling without costing money. While only a few thousands on average, that thousands is free to use and always helpful. Assistance programs are like grants but are more stringent and are way more niched. You may not get real no stipulation money but these programs are still ways to help with your finances. Programs such as paying for your medical bill, making buying your house cheaper, paying off student loans/paying you to learn, helping you buy a car, start a business, and a few more such helpful things. Just like Grants and scholarships they need information on you and what you want before they possibly help you, still better than gambling and Powerball and very helpful on certain situation. Same as grants and scholarships, look for them and ask around your local organizations.