What’s the secret to getting rich?

Sometimes I feel bad when a young, hopeful new investor comes to me as though I’m a guru sitting atop a Himalayan mountain and they’ve just finished a months long trek to find me. They eagerly ask for the elusive secret to becoming rich. And I disappoint them with this boring advice. ‎

That’s the secret: There is no secret. Spend less than you make. Invest the difference. Keep doing that for a few decades and you’ll be rich. Keep seeking overnight success and you’ll find yourself broke late in life. When you ask your rich friends how they did it, they’ll say they spent less than they made and invested the difference. ‎

Get started now. In 20 years you’ll be very glad you did.‎

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.‎


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Whether you buy or rent

Should I buy or rent?

Whenever I point out the costs associated with homeownership the pitchforks come out and some commenters accuse me of being wrong that renting is always


How to invest course



Jeremy Circle

Hi, I’m Jeremy! I retired at 36 and currently have a net worth of over $4 million. 

Personal Finance Club is here to give simple, unbiased information on how to win with money and become a multi-millionaire!