How to Get Rich Investing When You Start From Zero

I believe anyone can make the changes to improve its financial situation (there was a time I terribly needed it)

Pay Yourself First

Spending much less than you earn is the only way to get rich. The more you save, the richer you get. So pay yourself first and automatically save a part of what you earn. No matter how small the amount may be at the beginning, any monument begins with a single stone. Then it is a virtuous cycle: the richer you get, the easier it is to get richer. Starting from zero is an incredible chance: you enjoy every new aspect a richer life brings you.

Your First High Yield Investment

“If you think education is expensive try ignorance.”
– Abraham Lincoln

Do what you love to do. It’s the only way to do something well. And keep learning about it. Investing in yourself is the most rewarding investment you can do. Developing a skill online may cost you anything from zero to a few hundred of dollars and end up in millions of dollars of gains.

Increase Your Cash-flows

You have three options to grow your cash flows: decrease expenses, increase earnings or both. There is no other and magic solution. There is a limit to how much of your expenses you can cut (and it is an unpleasant thing to do). But there is absolutely no limit to how much you can earn. That’s why I focus on increasing my incomes. At the beginning, it is tough to save money, then it quickly become tough not to save money.

How to increase your earnings? You can work more but its unpleasant and limited to 24 hours a day, 7 days a week. Or you can invest. Money can work for you 24/7 and has a huge potential to make you rich. Don’t trade your precious time for money. Invest your money and use your time for what you love to do.

Put Your Capital to Work

You have several options. You can start your own business (entrepreneurship), invest in someone else business (stocks), invest in real estate, etc. The best time to start investing is today, the worst is tomorrow. Put your capital to work, get a return on it and increase your wealth. Only invest in what you understand. So much money can be made in what you understand and so much money can be lost in what you don’t.

Keep Reinvesting

Assets build wealth. Liabilities destroy it. Keep buying assets with your earnings and let compound interests do their magic. The higher your returns on investment the richer you get as time goes on. Invest $100,000 at a 5% return and it becomes $432,194 after 30 years. Invest it at 25% and it will become more than $80 million!

Getting rich is a matter of savings and returns on investment, nothing more nothing less. You know what you have to focus on. Reinvesting profits at high returns on investment can build incredible wealth. Priceline (, Apple or Google have been reinvesting their profits successfully during long periods of time. As a result, the wealth of their shareholders skyrocketed. Priceline’s shareholders have multiplied their capital by 62 in just ten years from 2005 and 2015.

“Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it”
– Albert Einstein

The Safer the Better

The lowest the risk, the highest the return. That is pure common sense. Pay 100 for a investment that produces 10 and you get a 10% return. Pay 20 for this same investment and your return shoot up to 50%. Again, the lower the risk, the higher the return. Take care of the downside and the upside will take care of itself. Never count on a good sale, profits are safe when they are made on purchase. Get more than you pay and you get richer. Pay more than you get and you get poorer.

Pay low by going against the crowd. You can’t do the same as others and hope for different results. It is when price collapse that opportunities appear. People get crazy on Black Friday but everybody run away from stocks when they collapse. It’s weird but fantastic for an opportunist investor.

What you need to invest is to recognize attractive risk/reward investment and then courage to seize opportunities against the crowd. In investing comfort is costly and courage is an extremely rewarded quality.

Time is Wealth

The reason I invest and want to get rich is to get the most out of my life. Most people surprise me. They sacrifice their life to possess money and end up being possessed by money. Why would I trade my precious time for money when I can trade money for more money? I made my choice: I let money works for me and I live the life of my dreams.

“Man surprised me most about humanity. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.”
– The Dalai Lama

The truth is that is has never been so easy to get rich and to realize ours dreams. But the path is unconventional and it takes courage to take uncharted paths. You don’t have to look hard to find your way, it’s printed in your heart. The hardest is not to follow our dreams but to slowly die the heart full of regrets.

“In 20 years from now, you will be more disappointed by the things you didn’t do than by the things you have done.”
– Mark Twain