If You Do NOT Have Money To Invest Watch This Market HACK!!!

Hey, what's going on guys? It's Ricky and in this video I wanted to come up with like a creative way on how maybe people that don't necessarily have disposable income uh to be able to start investing into the market. Uh because in the reality, right, the real world, I can casually talk about, yeah, investing is so great. Look at the average rate of return for the past 10, 15, 20 years. Why wouldn't you want to be invested? Um, and I think it's kind of like common sense that of course we all want to be invested. First, maybe you just don't know how. Second, maybe you just don't have the disposable income. It's the reality of the world. It's something that we have to take into consideration. So, this week, I wanted to come up with a creative way for maybe parents. Uh, this video is really going to be for you. So, maybe this video was sent to you by someone uh and or someone that plans to have a family. Maybe you just want to invest for yourself. Trust me, just hear me out. I really do believe that this this idea, although it might sound terrible at the surface, I just hope that it's even just one of one of you that even is willing to try it out. And please let me know down in the comment section if you hate this idea or if you love this idea. I try to film videos like this once a week that are just kind of more casual. Uh so I hope that you enjoy it. So uh what I wanted to talk about is you know we are stuck in an age where most people not everyone but most people yeah they might want to start investing but they don't know how and they definitely might not have the disposable income right cost of living is incredibly high. We have to take that into consideration. So, I thought I was like um it just really went throughout the week of like how can I come up with like a creative way that doesn't feel like it's being like it's money that's being taken away that is that can be invested, right? Um and I have to give credit to my little sister. So, my little sister uh was asking me if I had like a extra phone and I get new phones every single year. I know on average I had a salesbased job. Uh it was actually one of um my commissionbased jobs that helped me qualify for my first house. And I know that um when it comes down to phone sales um you know these these phone companies let you upgrade every two years, right? And when they let you upgrade every two years, you don't necessarily have to trade in your old phone. It's every year you have the option to, but every two years you're kind of like out of your contract andor your payment is technically full your phone is fully paid off. So after 24 months, so I was like, okay. Um, when I looked at these phones, I was like, "Hey, these phones have value, right? I might upgrade every year, but I know on average, in the most casual way, people often maybe tend to upgrade every two years. I don't know if that's necessarily the case, but I was like, let let me just run with it." And again, I'm not saying that this is the case for everyone. I'm just And I know everyone's not an iPhone user. So again, I'm just for the few people that this might be applicable for, you can take this concept and apply it to anything. So I was like, "Okay, after 2 years of an iPhone, right? We all know that iPhones are like $900 to maybe $1,000 based off of a recent update that we've heard from Apple. They're supposedly going to be a little bit more. Nonetheless, you know, realistically after 2 years, what are they worth? Maybe 50%. Right? So, conservatively, when I asked since all of you guys love using AI and chat, I I'm not I I see value in the technology, but I also like kind of doing my own due diligence. But I did find it useful when it came down to this, right? I asked it a very simple question and I was like, "Hey, what is the average, you know, dollar amount that an iPhone sells for after 2 years?" And they said 40 to 50%. I think that's pretty realistic. So, you buy $1,000 phone after 2 years it might be worth $500, maybe $400, maybe a little bit more, but conservatively 500. Uh, and this is where I thought I was like, "Hey, what if again you're you're spending all of this money on these like consumer goods, right? you're indulging. And this could be applicable in in any way, right? Whatever it is that you indulge on. Maybe you're a big, you know, phone nerd, maybe it's a camera nerd, computer nerd, whatever the case might be. And I don't want to hold back your quality of life and where you see value. So, let's say that you do upgrade every two years and you have that old phone. And the reason I brought this up for my little sister is she asked me if I had an old phone and I was like, "Hey, wait, you know, this has money. This has value. If I needed to, I just have it sitting there." If I made it a habit that every two years as I upgrade to my new phone, which tends to be around the second week of September, that's normally when iPhone releases their new phone. This is every year, but let's just take every two years into consideration. I could sell the old one for $500. And remember, a lot of you might have the old phone kind of just sitting in your closet collecting dust. I was like, how can I come up with a creative way for parents andor for casual investors that want to be invested but don't have that disposable income to get invested? Again, I don't want to interfere with your quality of life. I don't want it to make it feel like a drag. If you were to sell, again, if it's not broken, I get it. There's always like excuses you can come up with. Maybe take better care of your phone, right? Nonetheless, after two years of selling your phone, of using it, selling your phone, getting to the new one, so you know, an incentive, you get your old phone, you sell it. Let's say you pocket $500. You don't over complicate it. And all I do then is invest it into the market. I ask chat a very simple question. If I were to invest in Apple stock every two years, $500 around September 14th, because it's on average, right? I said invest into Apple stock every two years around September 14th and invest every other year $500. What would this rate of return look like dating back 10 years? Let me make it very clear, past performance does not mean future results, right? But dating back 2016, you would have been able to acquire 19.5 shares. 2018, 9.4 shares. 2020, 4.4. 2022, 3.3 shares. 2024, 2.3. We're still not on the, you know, we're still not in September, so it can't be the following year. But as of now, a total of 39 shares with Apple stock. That would have been an initial investment of $2,500, right? Because it's $500 every 2 years. And the current value would now be worth roughly 12,000 to 12,500. Roughly $9,500 to $10,000 profit if it just got reinvested into Apple stock. a 380 to 400% return on your investment. And then I thought, dang. Uh, obviously it's so easy to look back and be like, you would actually be incentivized to buy a new iPhone product every year, every two years, however it is that you want to do it. And just by taking that money back and reinvesting it into the very company that you're buying products from because of their average rate of return, again, keeping it simple. You get the money, you just dollar cost average every two years. And you don't over complicate it, right? It's not like you're trying to predict the market, predict the future. It's just you move on and you keep it simple. 380 to 400% return, $9,500 profit to $10,000 on top of the $2,500 that were initially invested. Now, one thing I wanted to take into consideration is that not every person sees value in Apple. I love that, right? I want it to be applicable and more generalized because markets are kind of overbought, maybe overextended. Maybe you just don't believe in Apple. This can apply to anything. And I encourage you do your own due diligence. Speak to your financial adviser and be like, "What about this crazy idea?" Right? What if you were to just invest into the S&P 500 spy? It's a generalized ETF. So instead of getting individual exposure, you invest into like a basket of companies, the top 500 companies in the US technically. Obviously, it's not going to be as aggressive as a result in comparison to Apple, but again, if you think markets are overbought and there could be more downside, more downside can present itself with individual exposure to like Apple. So maybe you just want to more to be more generalized and you just invest into that index, right? S&P 500, top 500 most valuable companies. You just invest into that index, which is an ETF. It's a one for one ETF, SPY. Feel free to look it up, ask your financial adviser. Um $500 invested every September 14th, looking back 10 years, this would mean that with $2,500 initially invested, 2016, 2.75 shares, 2018, 1.72, 2020, 1.48, 48 2022 1.25 2024.89 total shares 8.1 shares current value would be $6,400 6200 or 6400 profit 37 to 3900 a total of $2,500 invested could have turned into 37 to 3900 which is 150 to 160% ROI. So, at that point, if you would have done that, it it looks like Yeah, because you would have had five chances to have invested since 2016, 2016, 2018, 2020, 2022, uh 2024. Out of the $1,000 you would have invested, you still would have lost a little bit. So, it didn't hedge it as well as investing into Apple. But, it's general exposure, right? The biggest thing, the biggest bottleneck that a lot of people are experiencing right now is there's no exposure. All you're hearing about is the rich continue to get richer. Why? Because they're invested. And the poor continue to get poor. Not just because they're making less money and there's a gap between income. And there's a lot of different variables, but a big f a big variable variable of this is markets are trading at all-time highs. A lot of people in the labor market are feeling the pressure. And the uh a big contributor to that is the wealth that is being generated in the market which again the stock market is not a representation of how the overall American economy is doing but it does make up a large amount of the reason people are so wealthy. So, just to get some form of skin in the game because I think we can all agree that especially as things might feel hard and you might not have that disposable income, how can you think about it in a creative way that doesn't take away from your current quality of life but still allows you to get invested? And I just wanted to share this idea with you. This idea can be nothing because if it if it is not followed through with action and consistency, it will amount to nothing. But for some of you, even just one of you, I hope that it just motivates you to open up an investment account or approaching the up and cominging uh month where Apple tends to release a new phone. As my sister was asking me, she's like, "I'm thinking about getting a new phone. do you think I should get one now or upgrade? And I was like, how cool would it be? She's about to have a kid and I was like, man, to be able to come up with a creative way where it doesn't take away from your disposable income uh and just allows you to invest with obviously, you know, hardware that you already purchased, but it allows you to invest into your future or maybe your family's future. And hopefully by being invested and then seeing that average rate of return over a long period of time, maybe it encourages to invest maybe a little bit more whenever it is that you see to be fit. But if you never get started, you will never know. Uh, and you'll never have that exposure. So again, might be nothing, might be something that maybe for some of you just encourages you to get invested. Um, I just thought it was a creative way on kind of how to get started. So let me know down in the comments section what you think. If one of the biggest bottlenecks might be that, oh, I don't know how to start investing. I'm going to share two links with you down in the comment section. The first link is going to be the trading platform and investment platform that I use. You don't have to use it, but they do offer you free shares just for signing up and you can have an initial deposit of just a few bucks, right? You can fund it whatever it is that you want and it's going to be the first link in the description down below. It's completely free to use and it's US regulated. These I I do not use any offshore broker. I would not encourage that. I don't feel like my money would be safe there. This is a US regulated brokerage. You're welcome to use whichever one you want, but if you want the signup bonus, they will offer you up to 12 free shares and you'll earn about $36 minimum $3600 maximum if you get, you know, um the the max amount of free shares because they offer you Nvidia, SpaceX, uh Tesla fractional shares. So again, if you invest the $100, they'll give you 12 free shares and it's a 36% return right there, right? just by setting up the deposit, you get the 12 free shares and fast forward, you know, a few months from now or a few weeks from now, if you end up not liking it, you can always switch to another brokerage and you still get to keep those free shares. So again, that's the first link in the description down below. The second thing I want to share with you is it's going to be a YouTube video for parents that just had kids or plan to have kids in the up andcoming future. I shared this with my little sister. There's Trump accounts. I don't care about your political preference or opinion. This is for your family. It's taxpaying dollars that are there for you. It's $1,000 you get for free just for signing up. We did it for our son that was born in 2025. It's $1,000 and all you have to do is claim it. I show you step by step on how to claim it. That's it. It's a thousand free dollars and if you do nothing and it just invested into the general fund that they invest it into, it can turn into $5,000 by literally doing nothing and just compounding for the next 18 years. And you might be like, "Well, Ricky, in 18 years, $5,000 isn't going to be worth nothing." Well, you know what's worth nothing? Nothing. So, it's better to have something than nothing at all. And again, I just hope that this even if this is all you do today, open up a brokerage account and get your $1,000. That's it. After that, hopefully this encourages you, encourages some of you to be creative, find a creative way to be able to invest into the market. And I just wanted to share this idea with you. So again, very excited for what this week has to offer. We have uh some pretty interesting companies reporting earnings. And for those that want to get a little bit more invested, I do trade live every morning. Um this is something where again if you want to check it out, it is also going to be linked down below. They're my daily live sessions. It's my LPP 3.0 team. Uh but those are for those that want to be a little bit more proactive and learning more about the stock market and what it has to offer. So again, it's going to be linked down below and maybe you can join us for one of our live sessions. So I appreciate you guys' time. I hope that we're in a thumbs up. Please consider subscribing and like always, let's make sure that we end the year on a green note. Take care, team.