Yup. From I to R:

• I - Intellectual Property/Insurance: He makes passive income every year from books he's written, films he's made, and music he's created. He also has adequate life and other insurance.
• N - Never Touch Fund: He has multiple savings accounts, and enough saved up to keep him going for 6 months or more without any income. He also owns physical gold, platinum, palladium, and silver--all stored in a safe place away from his home.
• V - Venture Capital: He regularly invests a portion of his money into risky alternative investments and into companies with unproven track records in order to benefit from potentially higher returns.
• E - Education: He has more formal education than perhaps anyone, and outside of that, he is a voracious reader, regularly takes classes and seminars, and is constantly trying to learn more.
• S - Stock Market: He is extensively invested in the stock market, and is an avid crypto trader.
• T - Treasuries: TreasuryDirect.gov is a second home to him.
• O - Own Business: He owns multiple businesses of his own including a law practice, a real estate investment company, a private investigation agency, a book publishing business, a global personal growth community, and a financial management firm.
• R - Real Estate: He is an active real estate investor, and is co-owner of multiple rental real estate properties in Florida and Maine.

None. Nada. Zero. Zilch. When he does use a credit card, it's either paid off within 30 days, or the balance is always kept below $1000. But they are always there in case of an emergency.

It varies between 790 and 820, depending on which reporting agency. It's really high.

According to the IRS, apparently the average millionaire in America has gone bankrupt or out of business at least 3 times before making his/her first million. To that end, Monroe isn't afraid to admit that he has had many business failures in his life, and even declared bankruptcy once in 2004 prior to deploying to Iraq with the Army. When he returned, he vowed to never again be in that situation again. It began with a Masters of Entrepreneurship, then an MBA in finance, and then a certificate in financial planning from Boston University's Boston Institute of Finance. Lots of reading too. Lots and lots of reading. The end result: he's in better financial shape now than most Americans who have never declared bankruptcy. Some say his bankruptcy is a black mark, but others consider it a mark of a champion. How so? His bankruptcy is not a mark of failure, but instead, a mark of trying. Of putting himself into the ring. Most importantly, it marked the day when he vowed to become a master of financial planning, financial management, and investments. If you still have doubt, you may want to again refer to the answer to one question above.

If you read these books for starters, you'll be on the right track:

• Rich Dad Poor Dad
• Cashflow Quadrant
• Before You Quit Your Job
• The Richest Man in Babylon
• The New Case for Gold
• The Road to Ruin
• Multiple Streams of Income
• The Millionaire Real Estate Investor
• Baby Steps Millionaires
• How to Make Money in Stocks
• T.R.U.S.T.
• Successful New Year 202_
• Money - Master the Game
• FAKE
• Rich
• Principles
• One Up On Wall Street
• Beating the Street
• Investments Don't Hug
• WealthFit.com -- Sign Up
• The Psychology of Money
• The Earned Life

The following tends to be true, on average, across the United States. Do you honestly want to be in this group of people?

• Average Debt: $15,000 in credit cards
• Median household savings: $5,000
• Only 20% of parents pay for their kids' education
• 30% of Americans have saved nothing for retirement
• 35 million households with kids have no life insurance
• 60% of the population will die with bad debt
• There are 125,000 Annual GoFundMe memorials
• The average amateur investor ROI is 4%
• Only 25% of people have a written game plan for their lives or finances
• 80% of people say that their retirement plan is to keep working
• Average student loan debt is $30K
• 68% of adults do not have a written will
• For most of the population, social security will be their only passive income
• For most of the population, a $5,000 emergency would have to be financed on a credit card

Tip: don't be a part of this group of people!

Sources: an amalgamation of various internet searches, common knowledge among financial professionals, and personal conversations.

Monroe:

• has zero credit card debt, or when he does have a balance, it's paid off within 30 days, or the balance is kept below $1K
• has more than 6 months of expenses in various emergency funds
• owns multiple forms of life insurance
• has multiple IRAs
• co-owns a rental real estate business in Miami Beach
• invests every week into multiple alternative investment opportunities
• has multiple profitable stock market investment accounts
• has a six-figure positive net worth (not counting student loans)

Come join us at breakdiving.io and become a part of the most helpful, inspiring, and friendly community in the world. It's a not-for-profit that Monroe started, and is free for anyone to join from around the world. And yes, we talk about finance there. P.S. - What is Break Diving? Instead of waiting for opportunities to float to the surface, break divers dive in and make their own breaks!

Set up an appointment with Monroe today via his contact information or calender booking system below.

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