|
Friend,
Last week, I showed you how to save $12K-$28K using the Augusta Rule.
That's money you're KEEPING from the IRS.
Today, I'm showing you how to make an extra $10K-$15K per year on money you ALREADY have. (Tomorrow will show you how to turn that into millions)
Not by taking more risk.
Not by investing in crypto or stocks.
By optimizing the cash sitting in your checking account.
Let me show you the numbers.
Here's what most people do:
They keep $50K-$100K across business accounts, personal accounts, checking accounts, savings accounts, brokerage accounts, etc.
"It's safe there," they think.
But safe doesn't mean smart.
The average checking account today pays 0.4% interest.
$100,000 × 0.4% = $400 per year
Here's what the wealthy do:
Same $100K in three scenarios:
-
Checking Account (0.4%)** = $400/year
-
Money Market (4%)** = $4,000/year
-
High-Yield Asset (10.5%)** = $10,500/year
That's a $10,100 difference.
Same money. Same liquidity. 25x more income.
And… most people also make another massive mistake:
They pay their bills EARLY.
Online bill pay auto-sends everything on the 1st.
But what if you paid every bill on the LAST day it's due?
Average that out – you're holding your cash an extra 15 days per month.
Now that same $100K at 10.5% becomes $15,660/year
Not $400.
$15,660.
That's the difference between:
-
One dinner out → Family vacation to Fiji
-
Hoping to retire someday → Actually building wealth
-
One rental property → Three rental properties worth of income
You didn't make one extra dollar. You just optimized what you already had.
This is Cash Flow Optimization – the second part of the OPTIMIZE pillar.
Last week: Optimize for TAXES (keep more from IRS)
This week: Optimize for YIELD (make more from what you keep)
Here's how I structure this:
Instead of one checking account with all my cash earning 0.4%...
I have multiple accounts, each with a PURPOSE:
Operating Account → Immediate expenses (minimal balance)
Profit Account → Owner distributions (10.5% yield)
Tax Account → Quarterly payments (10.5% until due)
Investment Account → Wealth building (10.5% staging)
Lifestyle Account → Vacations, cars (10.5% until needed)
The magic:
If my business generates $50K/month:
Old way: All sits in checking at 0.4% = $20/month interest
New way:
- $10K in Operating (immediate)
- $40K across other accounts at 10.5% = $350/month
That's $4,200/year in passive yield.
With the 15-day hold strategy? $6,300/year.
From money I was already making. Just placed smarter.
Now here's where it compounds:
That extra $6,300/year?
I invest it.
Stock market at 15% over 20 years: $1.6 million
Bitcoin at 30% over 20 years: $9.9 million
From optimizing cash I already had.
This is the power of OPTIMIZE.
It's not about making more money.
It's about making your money WORK for you.
Your quick action this week:
1. Calculate your opportunity cost:
- Add up all cash across accounts: $__________
- Current yield (probably 0.4%): $__________/year
- At 10.5% yield: $__________/year
- Your gap: $__________/year
2. Move ONE account to higher yield:
- Emergency fund → High-yield savings (4-5%)
- Business reserves → STRC or similar (10.5%)
- Tax savings → T-Bills or money market
3. Audit your bill payments:
- Set mortgage/rent to pay 1 day before due
- Set credit cards to pay on due date
- Set business expenses to last day possible
That's it. Three moves. Potentially $10K+/year difference.**
I made a complete YouTube video breaking this down with exact numbers, the high-yield assets I use (including STRC - securitized Bitcoin at 10.5%), and how this is literally building a new financial system.
Watch it here: "This One Cash Move Is Building a New Financial System"
It's 13 minutes that could add $15K/year to your income. Worth it.
Friday, I'm revealing the final pillar: MULTIPLY – how to layer this optimized cash into velocity investments that grow 300-500% faster.
And Monday, November 24th at 6am MST:
The Black Friday announcement.
If you've been:
- Saving on taxes (Augusta Rule)
- Optimizing cash (yield strategies)
The complete Wealth OS shows you how to MULTIPLY it all.
Talk Friday,
- Mark
P.S. Every dollar in checking at 0.4% should be earning 10.5%.
The difference over 20 years? Millions.
Watch the YouTube video. See the full breakdown.
Stop letting your bank rob you.
|
