letteredhub
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stead.builders
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June 04, 2024, 08:33:09 PM |
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Invest as much as you can in Bitcoin, you will earn income even when you sleep. You can sleep soundly without having to think about negative things such as losses or so on, as long as you are able to maintain the security of your private key well, nothing can make you anxious about the assets you store. I chose one of the three ways you mentioned, namely Bitcoin. DCA is a strategy used when investing, you can buy Bitcoin consistently with the same amount at regular intervals. When you already have Bitcoin, believe me, you will sleep soundly and Bitcoin can also increase your wealth.
Not saying Bitcoin is a bad investment, but it's incorrect if you say you will earn even when you sleep. If you didn't sell your coins, it's just an unrealized profit and if you're keep DCA-ing Bitcoin, this mean you still have a job to fulfill your monthly needs, not living by only with Bitcoin investment.. You can't invest in cryptocurrency and be sleeping in that your money is making profits for you, it might be partially correct with bitcoin investment but adding altcoins to the equation makes this sound odd especially with how sharp the volatility of all of these altcoins are, sleeping on them can put you to a loss if you ain't keeping steady track of them. We all know cryptocurrency investment is one mainstream investment right now that has changed the financial system from what it used to be but for me in my view it's not something you invest in and sleep on it withoit expecting anything of the negative to possibly occur. It's not that perfect.
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Wexnident
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June 04, 2024, 09:19:25 PM |
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~ Naturally. Letting it sit in your bank just doesn't sound right at some point after all the things I've heard about finance stuff really. Sadly idrk much about the finance-related sector e.g. stocks. Might try studying them up a bit once more (I tried before, and I didn't go through it after much thought). But there are also other ones you can do, specifically businesses. I'd say if you know how, you can even build a SaaS all on your own and earn money from it. Well you also need to remember that on the other side of the coin, you can also lose money while sleeping ![Tongue](https://bitcointalk.org/Smileys/default/tongue.gif) .
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▀▀▀▀▀▀▀██████▄▄ ████████████████ ▀▀▀▀█████▀▀▀█████ ████████▌███▐████ ▄▄▄▄█████▄▄▄█████ ████████████████ ▄▄▄▄▄▄▄██████▀▀ | LLBIT | | | 4,000+ GAMES███████████████████ ██████████▀▄▀▀▀████ ████████▀▄▀██░░░███ ██████▀▄███▄▀█▄▄▄██ ███▀▀▀▀▀▀█▀▀▀▀▀▀███ ██░░░░░░░░█░░░░░░██ ██▄░░░░░░░█░░░░░▄██ ███▄░░░░▄█▄▄▄▄▄████ ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀ | █████████ ▀████████ ░░▀██████ ░░░░▀████ ░░░░░░███ ▄░░░░░███ ▀█▄▄▄████ ░░▀▀█████ ▀▀▀▀▀▀▀▀▀ | █████████ ░░░▀▀████ ██▄▄▀░███ █░░█▄░░██ ░████▀▀██ █░░█▀░░██ ██▀▀▄░███ ░░░▄▄████ ▀▀▀▀▀▀▀▀▀ |
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Bananington
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
June 05, 2024, 07:59:41 AM |
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Invest as much as you can in Bitcoin, you will earn income even when you sleep. You can sleep soundly without having to think about negative things such as losses or so on, as long as you are able to maintain the security of your private key well, nothing can make you anxious about the assets you store. I chose one of the three ways you mentioned, namely Bitcoin. DCA is a strategy used when investing, you can buy Bitcoin consistently with the same amount at regular intervals. When you already have Bitcoin, believe me, you will sleep soundly and Bitcoin can also increase your wealth.
Not saying Bitcoin is a bad investment, but it's incorrect if you say you will earn even when you sleep. If you didn't sell your coins, it's just an unrealized profit and if you're keep DCA-ing Bitcoin, this mean you still have a job to fulfill your monthly needs, not living by only with Bitcoin investment.. You can't invest in cryptocurrency and be sleeping in that your money is making profits for you, it might be partially correct with bitcoin investment but adding altcoins to the equation makes this sound odd especially with how sharp the volatility of all of these altcoins are, sleeping on them can put you to a loss if you ain't keeping steady track of them. We all know cryptocurrency investment is one mainstream investment right now that has changed the financial system from what it used to be but for me in my view it's not something you invest in and sleep on it withoit expecting anything of the negative to possibly occur. It's not that perfect. I think this is where trading and integrated bots help out to make sure one doesn't lose money all the time when trading or staking using altcoins or even Bitcoin as an investment currency of choice. Bots integration have done a lot to make the dream of making money while sleeping become more of an achievable reality than it normally would and if anyone should map out a good strategy to ensure that they can sleep while their money works for them, then they are already financially independent and free to explore more avenues to make and increase their wealth bracket.
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| | | . Duelbits | | | | | █▀▀▀▀▀ █ █ █ █ █ █ █ █ █ █ █ █▄▄▄▄▄▄▄ | TRY OUR
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barbara44
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
June 05, 2024, 03:24:43 PM |
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This type of income is rare, because it means that you need to make more income than what you are spending. I mean you need large capital which is only possible when you earn more and save more and then you make your capital working for you without any flaw.
For example, this month I have about 300 dollars that I need to live with, maybe a bit more than that, its really nothing much, its a little over half of minimum wage here, does that mean I would be able to do something that could make me money while I sleep? Of course not, by 15th of this month or before, all of this money will be gone, I will not make a dime from it, and people think that you could just live with that.
I think the crazier thing is that even if you make thousands, life isn't that simple, you expand your life, so even if I made 10k per month, first few years would all still be debt, because you expand, you start living a higher standard, and THEN you start to save some.
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trendcoin
Legendary
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Activity: 2296
Merit: 1139
DGbet.fun - Crypto Sportsbook
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June 05, 2024, 11:42:44 PM |
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Passive income is a vital milestone in achieving financial independence. Earning passive income is synonymous with attaining financial security...
Investing in stocks and major cryptocurrencies may seem promising, but I firmly believe that traditional methods yield greater success. Acquiring rental properties or shops for generating passive income is a more secure path towards financial independence in my opinion...
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tottong
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
June 06, 2024, 01:19:31 AM |
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Money in your wallet don't bring more money so you spend it and it's gone.
If people don't have a plan regarding finances then that's how it ends and money will be lost because it can never be multiplied to be more productive. If you keep those things going on then it's impossible that you don't earn money when you sleeping. For staking i have different wallets and on exchangers and different coins
Only on potential coins and it has to be seen to what extent you can make a decision but when you bet on doge or shiba it is possible to make money even while you sleep it will be much more difficult. Unless you are a true bitcoin holder and I am much more confident that this can be realized because bitcoin is much more tested under whatever conditions will occur. Believe me, when you choose the wrong investment, it is the same as spending money and losing it because the power to maintain prices is very risky.
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Reatim
Sr. Member
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⭕ BitList.co
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June 06, 2024, 01:47:13 AM |
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Investing in stocks and major cryptocurrencies may seem promising, but I firmly believe that traditional methods yield greater success. Acquiring rental properties or shops for generating passive income is a more secure path towards financial independence in my opinion...
Renting out your properties is considered a much safer and less risky way to earn a passive income. This way at least the work you actually put will not be much. Compared to crypto where yes you will hold and let it generate income but you still need to carefully maintain it from time to time and the risks are too high that it can cause massive losses.
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Iranus
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![](https://bitcointalk.org/Themes/custom1/images/post/xx.gif) |
June 06, 2024, 09:03:56 AM |
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The great Warren Buffett said, “If you don't find a way to make money while you sleep, you will work until you die.”
He’s mostly right isn’t it. Try to create a passive income if possible.
But is generating passive income by investing in shitcoins and storing coins on centralized exchanges a good idea? I guess the OP is a newbie who hasn't heard about the failure of altcoins nor the collapse of centralized exchanges. Based on what OP is saying, it can be seen that he is a newbie, does not have much experience, and is not even aware of the risks that altcoins and CEX bring. But he quickly thought of earning passive income and getting rich without much effort through staking. I strongly support people finding passive income sources and ways to get rich because I am still looking for those sources of income for myself. But I don't think OP's idea is viable if based on investing in altcoins and staking on centralized exchanges.
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..Stake.com.. | | | ▄████████████████████████████████████▄ ██ ▄▄▄▄▄▄▄▄▄▄ ▄▄▄▄▄▄▄▄▄▄ ██ ▄████▄ ██ ▀▀▀▀▀▀▀▀▀▀ ██████████ ▀▀▀▀▀▀▀▀▀▀ ██ ██████ ██ ██████████ ██ ██ ██████████ ██ ▀██▀ ██ ██ ██ ██████ ██ ██ ██ ██ ██ ██ ██████ ██ █████ ███ ██████ ██ ████▄ ██ ██ █████ ███ ████ ████ █████ ███ ████████ ██ ████ ████ ██████████ ████ ████ ████▀ ██ ██████████ ▄▄▄▄▄▄▄▄▄▄ ██████████ ██ ██ ▀▀▀▀▀▀▀▀▀▀ ██ ▀█████████▀ ▄████████████▄ ▀█████████▀ ▄▄▄▄▄▄▄▄▄▄▄▄███ ██ ██ ███▄▄▄▄▄▄▄▄▄▄▄▄ ██████████████████████████████████████████ | | | | | | ▄▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▄ █ ▄▀▄ █▀▀█▀▄▄ █ █▀█ █ ▐ ▐▌ █ ▄██▄ █ ▌ █ █ ▄██████▄ █ ▌ ▐▌ █ ██████████ █ ▐ █ █ ▐██████████▌ █ ▐ ▐▌ █ ▀▀██████▀▀ █ ▌ █ █ ▄▄▄██▄▄▄ █ ▌▐▌ █ █▐ █ █ █▐▐▌ █ █▐█ ▀▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▀█ | | | | | | ▄▄█████████▄▄ ▄██▀▀▀▀█████▀▀▀▀██▄ ▄█▀ ▐█▌ ▀█▄ ██ ▐█▌ ██ ████▄ ▄█████▄ ▄████ ████████▄███████████▄████████ ███▀ █████████████ ▀███ ██ ███████████ ██ ▀█▄ █████████ ▄█▀ ▀█▄ ▄██▀▀▀▀▀▀▀██▄ ▄▄▄█▀ ▀███████ ███████▀ ▀█████▄ ▄█████▀ ▀▀▀███▄▄▄███▀▀▀ | | | ..PLAY NOW.. |
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sekalitas
Sr. Member
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June 07, 2024, 03:57:28 AM |
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Money in your wallet don't bring more money so you spend it and it's gone. So If you try to look for good Investment opportunities early like was doge or shiba even with 2$ wich is nothing to risk you do right thing. 3 golden ways are:staking, Investing and DCA. If you keep those things going on then it's impossible that you don't earn money when you sleeping. For staking i have different wallets and on exchangers and different coins No matter how little you earn by doing nothing but if you can earn it you make more money from money. My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.
You're absolutely right, true wealth often comes from making money even while you sleep. But your methods can be risky and need a lot of money upfront to generate worthwhile passive income. If you're living paycheck to paycheck, I have a different idea for passive income that doesn't need a ton of cash upfront. Think about your skills and hobbies – maybe you're good at web design, creating videos, or even photography. You can turn those skills into digital products like website templates, online courses, or stock photos to sell. The key is to create something amazing that people actually want, and then spread the word about it. The best part? Once you've set it up, it's pretty hands-off. You can literally earn money while you sleep And once you've built up some earnings, you could even consider investing some of it in the top 10 cryptocurrencies to potentially grow your wealth even more.
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$anounimus$
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June 07, 2024, 04:16:15 AM |
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Investing in stocks and major cryptocurrencies may seem promising, but I firmly believe that traditional methods yield greater success. Acquiring rental properties or shops for generating passive income is a more secure path towards financial independence in my opinion...
Renting out your properties is considered a much safer and less risky way to earn a passive income. This way at least the work you actually put will not be much. Compared to crypto where yes you will hold and let it generate income but you still need to carefully maintain it from time to time and the risks are too high that it can cause massive losses. Yes we talk about choices and of course what you say there is a point. In my opinion it is part of business management and if we are able to manage something well it will produce something good too. Renting property clearly does not have a significant risk compared to carrying out investments in crypto. But in building a building certainly requires a considerable cost and requires a long time to attract capital. While crypto investment does not have a certain time but it is quite risky because the price is very fluctuating. But regardless of that I think it's part of our financial management.
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Samlucky O
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June 07, 2024, 04:42:01 AM |
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The business that best suits your topic is creating a software that is used by individuals on a daily basis till you pass on you will still be making alot of money. I think the owner of Facebook Mark Zuckerberg made this statement that he makes money while sleeping. Because his brand is used on a regular basis 247 he even makes more money while sleeping because people make use of Facebook and WhatsApp more often in the night, so people creat traffic in his app and he makes more money. Apart from the owner of Facebook and WhatsApp Another similar businesses are the Microsoft, Amazon, eBay , apple and many others this people have created a standard passive income business that can stay for as long as human demand is unsatisfied. The truth of the matter is that you must start from a little beginning as time goes on you product become a brand that everyone is going crazy for, by then you make money while sleeping.
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bluebit25
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June 07, 2024, 06:18:58 AM |
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As for finding passive profits, I think we can easily see in different search engines that people can share their methods. But that factor is not the complete key to bringing profit to you, each of us has a different approach to asset management so there will be a common principle for all. People can invest in real estate, stocks, securities, gold, bitcoin,... all of which bring passive profits over time but still come with risks that we need to research to balance think carefully and then make a decision.
In the crypto space, I see we have a great opportunity because volatility brings fast profits and fast losses, so the experiential learning process will be reflected in the results we get.
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crwth
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June 07, 2024, 06:24:12 AM |
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I agree that finding a way to have income even while sleeping is important. Additionally, multiple streams of income would be a necessary thing to do if you really want to build wealth. Most of the things that you are doing would reflect who you are. It's important to have a plan and a goal in mind WHY you are building wealth so you can grasp and hold onto the motivation on WHY you are doing it.
The things that you mentioned OP is definitely one of the things like staking and investing. I think investing and DCA is just one. You should add trading into the mix if you are interested in it. I do hope that you will do it but have a well-managed risk for it.
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kryptqnick
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June 08, 2024, 10:05:24 AM |
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When you're staking, you are risking the whole amount because you're keeping it on a centralized platform and thus this money is out of your control. DCA is good, and it's directly related to investing. But I think it's much better to do DCA with Bitcoin than memecoins because it's safer this way. Still, it's not the same as having passible income because the price can fluctuate, so you sometimes you win, and sometimes you lose, depending on a coin, a point in time, and when you choose to sell.
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Z_MBFM
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June 08, 2024, 10:56:13 AM |
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Money in your wallet don't bring more money so you spend it and it's gone. So If you try to look for good Investment opportunities early like was doge or shiba even with 2$ wich is nothing to risk you do right thing. 3 golden ways are:staking, Investing and DCA. If you keep those things going on then it's impossible that you don't earn money when you sleeping. For staking i have different wallets and on exchangers and different coins No matter how little you earn by doing nothing but if you can earn it you make more money from money. My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.
Why your focus on meme coin. Investing in meme coin is very risky but if you invest small amount there you can make good profit if they pump high quality and if they dump you won't lose much. This is an advantage of investing in meme coin. However, if you invest a large amount in Bitcoin or other potential coins, the risk is low. But if one has the capacity to take big risks then he can do it. But I personally don't like investing in meme coins. But many people are making huge profits from meme coins, which requires the ability to take big risks
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tsaroz
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June 08, 2024, 11:22:13 AM |
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Money in your wallet don't bring more money so you spend it and it's gone. So If you try to look for good Investment opportunities early like was doge or shiba even with 2$ wich is nothing to risk you do right thing. 3 golden ways are:staking, Investing and DCA. If you keep those things going on then it's impossible that you don't earn money when you sleeping. For staking i have different wallets and on exchangers and different coins No matter how little you earn by doing nothing but if you can earn it you make more money from money. My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.
I'm too doing the same thing as you plus some trading but the price fluctuation like the one yesterday is breaking my resilience. Staking, Investing and DCA are great but in order to do that, you'd need money. Job these days pay just enough to get by your life and a few you save are not enough for large rewards from staking, investing and DCA. There are stories of people turning $100 to a million by investing but its rare and risky. Inflation is another thing that makes staking not that good. Yet they are better than keeping your money idle. Another option are regular banking. There are debentures and bonds that gives more profit than crypto staking.
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Peanutswar
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June 08, 2024, 11:32:18 AM |
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~~. My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.
This is not the only option yes the market of crypto is volatile, and you can make a quick flip with your earnings, but you can get outside world there are alot of opportunities that makes you earn more like business, real-state, etc. this business can generate you more money even you are sleeping once you have money enough you can make your asset in crypto sleeps, sometimes extra effort requires to achieve the next milestone in your life. Make a money circulation or good cashflow so you can now sleep well while generating money.
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Assface16678
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June 08, 2024, 12:22:12 PM |
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~~. My number one thing now is crypto staking on many different exchangers and self custody wallets stablecoins and altcoins.
This is not the only option yes the market of crypto is volatile, and you can make a quick flip with your earnings, but you can get outside world there are alot of opportunities that makes you earn more like business, real-state, etc. this business can generate you more money even you are sleeping once you have money enough you can make your asset in crypto sleeps, sometimes extra effort requires to achieve the next milestone in your life. Make a money circulation or good cashflow so you can now sleep well while generating money. Uhmm, yes, what you have said is true and more profitable and can generate more money than investing or staking crypto currency, but based on OP, it is the thing that makes him money or he keeps earning money even while sleeping. We all have different ways to earn money, and for OP, crypto currency is suitable for him, but of course, for others, earning a lot or becoming wealthy when they are doing businesses, and true business is one of suitable for him, but of course, for others, earning a lot or becoming wealthy when they are doing businesses, and true business is one of the most efficient ways if you want to become too successful and generate a lot of money, but on the contrary, it is also risky, like crypto currency, because if not handled correctly, you can go bankrupt. In conclusion, different people have different ways of considering themselves wealthy. For some, having a luxurious life is wealth, but for others, having a sufficient way of living and providing what is needed and necessary is wealth.
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Gaza13
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June 08, 2024, 02:13:17 PM |
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I'm very much familiar in that qoute, and that's also one of the reasons why I initially think that investment is a must once you have your own income, people should at least put some money in their investments from their own salary. In that way, people will be having a passive income and if that person knows the best strategy to grow their own money then possible that they can earn higher from their passive income rather than stable income from their jobs. Indeed, to create a solid financial foundation, investment is one of the best ways for us to get results in the future. There are still many people out there who don't understand what investment is, so they continue to work hard all the time and as hard as they can every day to get additional income. The way they do it is actually not wrong, but employing money and being able to make money from investments is the way smart people see this opportunity. We are among the lucky group of people who know what investment is and understand how it works. In my personal view, investing is the same as building a business, without needing a lot of capital to pay for the costs that people usually do in business. We just need to choose the right coin in this case.
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█▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀ ████████▄▄████▄▄░▄ █████▄████▀▀▀▀█░███▄ ███▄███▀████████▀████▄ █░▄███████████████████▄ █░█████████████████████ █░█████████████████████ █░█████████████████████ █░▀███████████████▄▄▀▀ ███▀███▄████████▄███▀ █████▀████▄▄▄▄████▀ ████████▀▀████▀▀ █▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ | ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀BitList▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ | ▀▀▀▀█ █ █ █ █ █ █ █ █ █ █ █ ▄▄▄▄█ | | █▀▀▀▀ █ █ █ █ █ █ █ █ █ █ █ █▄▄▄▄ | ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀ . REAL-TIME DATA TRACKING CURATED BY THE COMMUNITY . ▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ | ▀▀▀▀█ █ █ █ █ █ █ █ █ █ █ █ ▄▄▄▄█ | | █▀▀▀▀ █ █ █ █ █ █ █ █ █ █ █ █▄▄▄▄ | ▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀▀List #kycfree Websites▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄▄ | ▀▀▀▀█ █ █ █ █ █ █ █ █ █ █ █ ▄▄▄▄█ |
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0t3p0t
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June 08, 2024, 02:23:56 PM Last edit: June 08, 2024, 02:46:35 PM by 0t3p0t |
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The great Warren Buffett said, “If you don't find a way to make money while you sleep, you will work until you die.”
He’s mostly right isn’t it. Try to create a passive income if possible.
Sad reality. Earning while sleeping will surely be the reason we will achieve financial freedom and that is what is important. This is the importance of investing compared to saving money which most people usually makes mistakes in choosing the right decision. Let money works for you as it will generate profits while you are sleeping and poor people usually work for money I think Robert Kiyosaki said that one not sure. 😅 Unfortunately, only few people know this thing because not all has financial literacy.
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