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Why Your Best Chance For Wealth Is Now

May 19, 2015 – the Dow was at 18,312.39 and the 20,000 milestone didn’t appear out of the question.

Since then, the market plummeted, came back, and then dropped off the table again. The reasons?

  • The price of oil
  • China’s sluggish economy
  • and the Fed’s rate increase

But quite honestly, it doesn’t even matter. My advice to you is to ignore all of those doom and gloom situations. Your best chance for wealth is now!

best chance for wealth is now

Why Your Best Chance For Wealth Is Now

Ever hear the expression, “Make hay while the sun’s shining“? Most people aren’t realizing it today, but the sun is shining on you RIGHT NOW. It’s time to make some hay baby! Don’t believe me? Here are four reasons why your best chance for wealth is now.

The Down Stock Market

I’ve been contributing to my 401k since I was 25 years old. With the rising stock market and a healthy company match, my balance quickly shot up to $45,000 – that was on May 19, 2015. Since then, my balance hasn’t moved an inch…even though I’m still contributing and continue to get the match.

Do you know what most people would do at this point? They’d say, “I’m not earning any money in the stock market. In fact, I’m losing! It’d be better for me to save up my cash in a savings account!” So, that’s exactly what they do. They pull their money out of the market, pay the tax AND the penalty, and then they plunk their earnings into a very safe, low-yield account, where their money earns practically nothing (but they feel good about it because they know they won’t lose any more money here).

Do you know what I’m thinking at this point? “This is awesome! I keep buying up more shares at a discounted price! When the market returns to it’s old high, I’m going to have thousands more than what I had before!”

The finance professionals call this dollar cost averaging, and the phenomenon is modeled quite well below. At this point in time (Feb. 2016), the stock market is down vs. the “starting point” when it was up at around $18,000 – so we’re at about the $8.5 mark on the chart below.

If you’ve been contributing consistently like I have for the past year, you’re about ready to make a pretty sweet return when the market jumps back to it’s original value (and beyond)! FYI, this is how so many millionaires came into the picture in 2010 and 2011.

best chance for wealth is now

Cheap Transportation

The price of gas in my hometown right now is roughly $1.50 a gallon. The last time gas was this low, I was still waiting for my voice to change!

To the average person, this is a green light scenario for an SUV or truck purchase. After all, gas is cheap so they can now afford to drive the big vehicle of their dreams. Unfortunately, here’s what typically happens…

  • They buy a brand new truck and are all smiles. Gas is cheap and life couldn’t be better.
  • The new payment puts them in a slight bind, but it’s still okay because the price of gas is still down
  • That payment is starting to weigh on them and the price of gas starts going back up
  • Three years down the road – they still have the payment and the price of gas climbs back to $3.50 a gallon
  • And, their net worth never grew because that new truck lost half it’s value (just like all new vehicles do in their first 3-4 years)

best time for wealth is now

Your best chance for wealth is now. Don’t get suckered into a new SUV or truck purchase like the average Joe. Keep driving your gas sipper and invest the fuel savings in the market, a side business, or an alternative investment. Use this time of good fortune to jump start your net worth!

Low Unemployment

Ever since 2009, the unemployment rate has been dropping and people have been able to find decent jobs again. Chances are, you have a pretty decent job yourself. If your household is fully employed and you’re earning more than the yearly average of $53,000, then your best chance for wealth is now. Realize that the sun is shining on you – save some of that money and stash it away! After all, there is always the chance of some rainy weather ahead.

best chance for wealth is now

Earning Extra Income Has Never Been Easier

If we were living in the 1950’s, what would you have to do to earn some extra income? You’d probably have to deliver newspapers, sell some farm fresh eggs, or start a hair salon in your parlor at home. Every option would be inconvenient, would be difficult to start up, and you’d probably get paid next to nothing for it.

What can you do to earn extra income today? The options are endless! You could (click the links for added info):

the possibilities are endless! You can do any of the above things without breaking a sweat, and the income could actually replace your day job if you wanted it to!

Take Advantage of Today

Your best chance for wealth is now. Seriously. Stocks are cheap, gas is cheap, jobs are plentiful, and earning an extra income has never been easier!

Don’t fall into the trap of the typical sucker that you work with. They likely took money out of their 401k, drive a brand new SUV, and think that they’re the smartest person on earth because of the money they “saved” by not being in the market.

In reality, they don’t have a clue. Their short term “success” will hold them back tremendously. By sticking out the market, you’ll end up with far more money, and by steering clear of that shiny ride, you’ll also have more money in your savings account. It might seem like a huge sacrifice today, but you’ll be way farther ahead 10 years from now.

Your best chance for wealth is now. What are you doing about it?



My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. I am invested in a DRIP and this works out great. My dividends purchase more stock which increases the amount of dividends which increases the amount of stock I can purchase, etc. You get the idea. This has worked out really well for me because I started this about 25 years ago. Purchased the stock, it split twice, went up and I sold some of it for a nice profit. Kept the stocks purchased with the DRIP in place and it has been growing ever since. I don’t stress when the value of my portfolio goes down because I didn’t really put an more money in to it. Back in 2008 and 2009 the stock dropped low enough that I was purchasing a full share every quarter. The dividend has been raised every year that I have owned it. Back in 2014 the company raised it twice. Win-win for me no matter what the stock market does.

    • Investing for the long term is the way to go! When will those day-traders learn? 😉

  2. The 2000’s are considered by many to be a “lost decade” but for us it was anything but. We were loyal investors every month through the two downturns and recoveries and we profited because of it.

    The key is to determine your investment plan, and then stick to it – even when you don’t feel like it! Don’t follow your emotions when it comes to investing. They’ll lead you into “dumb” every time.


    • Exactly! By sticking to your plan I bet you came out way on top! I can’t wait for us to come out of this small downturn. My investment property will be worth more, my house will be worth more, and my stock investments should increase by more than 20%! Should be fun. At that point, I’ll be really glad I didn’t “invest” in a boat. 🙂

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