Tommy's Two Cents on Money

There is no fast or easy way to sustainable wealth, but it is simple: an adherence to a pattern of investing over a long period of time will result in a build up of wealth. Playing the offence game of making money is just as important as playing the defense game of being frugal. Tracking those numbers and figuring out what to do with the difference is what this page is all about. At first, I thought investing was only for power hungry socially and ignorantly conditioned people. Once I dove in, I found that there were some investments that met my personal values, and some that even ignited my burning soul's desire to do something helpful to the world relative to my skill set and values.

Allow me to ask you this, how would it feel to be a financially resilient self aware you who has the resources you need to enact the changes you wish to see in the world? What if your needs were financially taken care of and you could move on towards bigger priorities, creativity, dreams, and goals? If you need someone to believe in you, check out the cult.

I certainly believe in the power of knowledge, especially in the case of personal finances and especially as it pertains to life goals. I want you to succeed, and because of this, I have here everything that you need to begin your financial journey here on this web page, FOR FREE!

Simple Path to Wealth

⚠️ This is not financial advice. This is for entertainment purposes only ⚠️

Money is attracted to organization.


Awareness of where one's money goes is absolutely critical. Knowing what one's monthly income, expenses, assets, liabilities, as well as a few other numbers such as net worth and percent of total income helps to create a footing for specific quantifiable goals.

Neckline Emergency Fund

The first and most important savings pool to create is an emergency fund. This is enough money for several months of rent and/or a small emergency such as the purchase of a new/used source of transportation. For me personally, this is $5k, which I keep as the minimum amount in my regular checking account. Any number from $1-$10k is fairly reasonable depending on your life and family. This should remain untouched except for emergencies and should be the primary focus to refill once depleted.

Pay off Debt

Once an emergency fund was established, pay off debts from highest interest rate loans to lowest while making minimum payments on everything else. Once each one is done, one then has more spending power on the next debt. Dave Ramsey calls this the snowball. As you pay debt accounts off, you relieve a loan payment and can pay the next one off faster.


After debt is eliminated, one now has extra income to build towards goals such as a home purchase, starting a business, or retirement. For regular investing purposes, I recommend a app such as Robinhood or Coinbase. I currently purchase one low risk total market index fund ($VTI) each month, and then whatever I have left goes into a savings account for my next big goal, which specifically is building a house.

That's it! The simple path to wealth is to become aware of the numbers, establish an emergency fund, pay off debt, start investing, and head towards your dreams and financial stability. It's simple, but not necessarily easy. If you want the basics of the worksheets, check out the Demo Packet. It has all the information you need and some basic outlines. The Budget Packet has all the info, outlines, and one super dope worksheet design with circular energies and robot arms in a vortex of tentacle matrices. The Premium Packet has the info, outlines, and 12 (yes, twelve) artistic renderings of the worksheet including Classic, Gooey, Triangles, Sun Shapes, Garden Bed, Veggies, Quadrapus, Water Bears, Moss Piglets, Friendlycopter, Numbers, Nodes, and the Robot Tentacles from the Budget packet.

How to Invest

⚠️ I am not a certified financial advisor and am not legally qualified to provide financial advice. Therefore, this is for entertainment purposes only ⚠️

There are four common types of investments: stocks, cryptocurrency, businesses, and real estate.

Stocks: Types and Risks

I find it helpful to divide stocks into three different categories: Total Market Indexes, ETF's/Mutual Funds, and single company stocks. The only difference between these types really is how many companies each one represents. The more companies under an investment product, the less risky it is. Hands down, the most secure investment to make is a total stock market index. Buying one of these, which are bought just like any other stock (I purchase Vanguard's Total Market Index, whose ticker symbol is VTI), is akin to buying a tiny slice of every single company in the stock market. Total Stock Market Index's return on average 7% annually in growth and dividends. It is the standard for which all other investments should be compared to.

Total Stock Market Index's are not very personable and might not represent your interests very well. That is where Mutual Funds and ETF's (Exchange Traded Funds) come in. These are large groups of stocks that represent many companies in one niche or sector. If, for example, you believe in the marijuana industry, you may consider ETF's such as the one represented by the ticker symbol: YOLO.

I would never suggest buying an individual stock, aside from solid blue chip companies, unless you want to be much riskier with your money. Single stocks have the potential to rise much more than 7% annually, but more than likely they will drop like a rock right after you buy them (or at least that's my experience).


Everyone's new favorite investment to talk about or least favorite to listen to! Personally I do believe cryptocurrency is doing to money what cell phones have done to talking - they make transactions faster and easier! That unlocks many novel types of interactions. I think most importantly, it offers a new paradigm of investing to those who don't believe or trust the old system. It offers a democratized and immutable medium of exchange that can be sent electronically.

Because it's so new, even the classic types of crypto are quite volatile, which are namely Bitcoin (BTC) and Ethereum (ETH). Personally I will not stray too far from investing in the top ten coins by market cap. I don't want to look at my investments more than once a month so I'm not interested in a highly fluctuating new coin. My strategy is to dollar cost average in and hold until 5 to 7 years after each bitcoin halving, when the crypto super cycle is around its highest. Riding the roller coaster of crypto teaches you a lot, really nails the intelligent (yet emotionally difficult) way to invest, which is to be happy when the market is red because that's when you buy, and to be pretty nervous when everything is looking super great. Nonetheless, it is a skill to be able to invest in crypto and only only look at its price once a month. Bet!


If you have a passion, hobby, or skill that can earn money, considering investing in your own business can be a good way to create a system of profitable value exchange. It is very easy to form an LLC, get an EIN number, and get a business bank account so that you can start properly accounting for taxes with at least some level of liability and protection. There are innumerable ways to invest in your or other's businesses, this can be one of the more personable and satisfying ways of investing.

This is also where in some, hopefully MANY cases, where some passionate individuals put their bets with their own money. Investing in stonks and crypto are really only ever are going to amount in more of the same, and not necessarily meeting any particular soul enhancing activity (at least, not directly). Creating a business is as easy as cheese nowadays. Here's how to do it. Google "how to make an LLC in [my state]" (it's free, you just need an agent. You can also apply to be your own agent). Get an EIN number (free on the IRS website) and then a business bank account (see your bank or credit union). You can also make a website for free through google, and awesome domain names (like are an added $15/year. Then (more or less conditions may apply at this point), Do. Yo. Thang. Tracking expenditures is most important. Your product or service should ideally bring you joy when you provide it, and connect people to our world or others in novel ways. 3 to 5 years later, boom! It's probably changed and transformed in way's you didn't see coming. Start slow, stay steady, have a big picture guided by immovable personal values, and most importantly, be healthy, mindful and avoid burnout. Surround yourself with people you admire.

For continuous entrepreneurial quotes (this is a shameless unsponsored plug) join James Cleary's email list. Many times it has helped me remember my priorities and pivot my response.

Real Estate

Land is the al-ma-mater of investments. It is not going away, only getting smaller, and ever more being demanded of. I would argue that buying a single family home to live in is not an investment. An investment is something that you buy that earns you money back. One can very easily live in their investment real estate properties, reducing their cost of living down and sometimes living for free or better. In my opinion, the easiest options to consider are buying a duplex with a FHA loan, buying a fixer-upper with very little if any of a loan, or buying a multiplex. Real estate isn't just space on a map though too keep in mind, it's a place with neighbors and hosts other living beings. A proper lesson in social ecology has recently connected all these topics for myself. Highly recommend these pods.

Final Notes

There is no fast and easy way to wealth. Even those who are granted large sums of money tend to lose it because they lack a patterned approach to saving, investing, and watching their assets. Money is highly attracted to organization, and knowing the in's and out's of one's monthly finances is absolutely key in this awareness. Awareness greatly aids in making realistic goals for how much you need to accomplish your dreams and check off things on your bucket list.

My aim with this page and with this money packet is to give you the tools that you need to gain this awareness (and in exchange you buy some stickers??). I believe that you have gifts to offer to the world, and I want you to be able to use those gifts to the best of your ability. To aid you in this, I have included three packet choices for you to pick from. The Demo Packet has all the information you need and some basic outlines. The Budget Packet has all the info, outlines, and one super dope worksheet design with robot arms and a vortex of tentacle matrices. The Premium Packet has the info, outlines, and 12 (yes, twelve) artistic renderings of the worksheet including Classic, Gooey, Triangles, Sun Shapes, Garden Bed, Veggies, Quadrapus, Water Bears, Moss Piglets, Friendlycopter, Numbers, Nodes, and the Robot Tentacles from the Budget Packet. Oh and yeah, they're all FREE!!!!

Shoot me an email at to let me know if this helped, any critiques, or any feedback. Thanks!