How To Build Your Abundant Waterfall of Income Streams

Regardless of what people think or try to tell you, the easiest and most common way to get wealthy is to build multiple streams of income.

Did you know the average millionaire has seven flows of income?

Yes, it’s possible to get reasonably wealthy with a good job. Yes, you can strike it rich with equities. Yes, you can focus all your efforts into your job or business. However, if you are too concentrated on one single source of income, you limit your growth and remain at risk.

Having added additional income streams for myself allowed me to take more risks, to quit my 9-5, to venture out exploring and growing into an entrepreneur – improving the quality of my life.

Don’t solely rely on one stream of income: Grow and diversify your streams of income.

Diversified growth is a most natural phenomenon. Look at how trees also don’t rely to grow on a single root or branch. As trees grow, its roots and branches start to spread. By reaching out, they are attempting to tap into uncontested soil while branches try to maximize sunlight intake. If a tree fails to obtain sufficient nutrition from either side, unable to support itself, it will die and give way to other trees.

The question about streams of income is somehow a chicken and egg dilemma. It’s not clear if additional income streams make millionaires in the first place – or – if it’s millionaires that simply understand the rules of the game and keep more income streams flowing to them.

Either way, one thing is clear:

Multiple income streams are a crucial part of the wealth creation formula. Increasing your income [streams] counts as the most secure path to financial freedom and abundance.

The starting-point is where you are now. How many streams of income do you currently have? How many of those are you aware (!) of? Which stream is working the best for you? Which stream has the highest potential to improve going forward?

Learn how to optimize existing flows and add additional ones.

“If you don’t find a way to make money while you sleep, you will work until you die.”

Warren Buffett

In other words: Don’t stay in bed unless you’ve learned how to make money – from bed. The goal is to sleep rich and wake up richer.

Primary Stream of Income

Most people are getting started with their money-life earning income through a job. A job is selling your skills and time against money. Jobs can provide security, comfort, and to a certain extend satisfaction. Employed people usually get paid regularly at the end of the month. While different jobs pay different amounts of money – some less, some more – they all pay.

Primary stream of income – your job.

Keep your job and find ways to optimize it. You could start working your way upwards [the corporate ladder] by aiming for a promotion. You could target a salary rise by analyzing your value contribution. Another approach could be to negotiate for part-time work, maintaining your baseline contribution [and maybe even your salary] freeing up yourself more time to work on additional streams of income.

Figure out how much is your real – actual – dollar earned per unit of time you need to sacrifice in order to maintain the job. Your real dollar earned is your salary, less deductions, less taxes, less your costs of maintaining your job (e.g. your commute, expensive clothing, socializing etc.). Deduct the final $$$ amount and divide by your total time effort and you might be surprised how little you actually earn – per hour of your life.

Still, priority one should be to keep optimizing your main stream of income until there are no further improvements possible.

This is where to get started.

Secondary Stream of Income

For this second point, let’s assume you’ve got a partner that is equally engaged in the workforce. This may or may not be the case. If your partner is earning [a stream of] income independently from yours, you can engage in teamwork and optimize for two instead just one main stream of income.

Two streams of income – two jobs – teamwork!

Considerations: If both of you work in the same company or industry you might still have to think of concentration risk in the potential case your industry gets hit or the company lays-off staff.

Diversification is not a must, but could be a meaningful consideration here.

Your partners’ salary might allow one of you to let go of the job in order for the other one to work on building additional income streams or explore entrepreneurship.

It’s a great option to have if you work as a team!

Creating Additional Streams of Income

Whenever someone needs additional income, the stereotypical suggestion offered is to “get a part-time job.” This could be a solution. But it’s not good advice. Mostly. What if you don’t have the time or energy to put in extra hours? Going down the path of part time jobs may still count as “trading time for money”.

There are some exception to where selling more of your time makes sense.

Leverage on stuff you have to “do anyways”. Let me explain. If you consider working as UBER driver, try to only drive UBER on a route you got to drive anyways: E.g. your daily commute. This way, you don’t spend more time or do something you wouldn’t do in the first place, unlock your time-potential and “activate” an additional income stream without changing your daily life or habits or selling more of your prescious time.

Other examples are to pool laundry (charge others for helping them doing theirs), babysit (“kid-pooling”), cook bigger portions of meals and sell the surplus, or anything else you do anyways and think you could “share” out to get paid.

Adding more streams of income will take an effort. Nothing comes for free. Expanding your income potential usually “cost” either a monetary amount or a time investment. Whatever you have in mind, get your focus away from just selling your time.

Your time is your most valuable resource.

When I was younger I’ve read books like “Rich Dad Poor Dad” and “4 Hour Work Week”, they lightened the FIRE in me to become extremely interested in building streams of passive income.

You see, selling your time is considered “active income”, but earning money without selling your time is called “passive income”. If you solely focus on “active income” you cap yourself at 24 hours per day and will not unlock potential additional income.

Try to find ways to open up additional income streams that are not directly linked to you selling (more of) your time. Build systems. Little currents, becoming bigger, growing to streams, streams of income.

Streams of income flowing towards you.

Small things you can do right away are filling surveys online, monetizing your beautiful photos online, hey, in todays world you can even sell your online behaviour. Yes, you’re the product if you want to be. Some apps actually pay YOU for having them installed on your phone. Having a spy installed may not be the most preferred way to earn money for some, to others this might be perfectly legit.

In my case counting my credit card reward points as a flow of passive income makes totally sense. Those reward points allow me to circle the world in business or first/ suites class at least once a year without spending additional money. Just figure out which credit cards are most rewarding and channel your expenses accordingly.

Singapore Airlines Suites Class Flight Zurich to Singapore – for free!

Unlock hidden potential. Otherwise you let it go to waste.

Simply selling your time is limiting your full income potential and it’s not leverageable.

Create Wealth – Passive Income

Did you make more than you spent today? Awesome! Do you need that extra money for expenses tomorrow? Save it! Do you have more than you need for tomorrow? Invest it!

Earn. Save. Invest. Earn more. Save more. Invest more. Repeat!

This wealth creation formula is simple: It’s like holding back your earned money and send it – not YOU – back to work – FOR you – to boost future streams of income higher again.

The most common and easiest additional streams of passive income are investments in capital markets. Invest and earn either interest from bonds, dividends from equity holdings or – depending how you want to look at it – generating capital growth through increasing asset prices over time.

A portfolio of securitized assets that provides sufficient income to cover your expenses is the cornerstone element for most people working on financial independence.

Diversify Your Streams of Income

The capital markets are fluctuating and while it’s the easiest option to build true passive income, you may also diversify into additional income streams that have nothing to do with your investment portfolio.

The second most common is real estate.

If you’re serious to build wealth, please refrain saying you’ll never have enough money, time or expertise to get into this one. You can start small and learn by doing while growing into becoming a landlord.

Room Rentals

One of my friends started out representing his company in another town. For sending him there the company offered him a housing allowance. He optimized that offer in a smart way. Instead of renting a place, he purchased a small two-bedroom apartment with almost no cash down and used his company’s housing allowance to serve the mortgage on it. At the same time he rented out his second bedroom and received passive income from his first tenant. Ten years later, his flat increased in value, the mortgage has shrunken, and my friend kept investing the difference into equities all along. This is how to build wealth from scratch. Beautiful.

In a later stage in life, many are looking to start a family and desire to level up their homes. If you purchase a bigger apartment did you ever consider renting out one room to a tenant? If you choose the right and suitable tenant it could be a great solution. We have done this successfully in the past and enjoyed good times co-living with our tenants.

AirBnB

We also have friends that offer their extra bedroom(s) on AirBnB like a hotel and charge by night. They get to know a lot of interesting people and have extended their network tremendously! Doing AirBnB is a very flexible way to “activate” existing capital and let it work for you. You’re the boss of your AirBnB and may “close shop” if one day you’re no longer in the mood.

Parking Lots

You may happen to own extra parking lots: Try to rent it out.

With parking lots you don’t have to fix the toilets or invest in a renovation budget. Depending on the yield you may earn, it may be even the better choice as compared to rent residentials. It may make sense to invest in parking lots and simply focus on this for passive income generation.

How many streams of income do you have?

Tax Advantages and Credit

In most jurisdictions real estate comes with tax advantages – something that investing in stocks and bonds usually don’t have (except for retirement accounts) – and can boost your credit lines with banks which can be used again to further optimize your bank platform set-up. Speaking about optimizing: IF you have existing mortgages, please check now if it would be a good idea to refinance as interest rates are rock-bottom.

It’s not “the bigger, the better”. Sometimes a few small passive streams of income together may work better than one big one.

Entrepreneurship

Starting a business might not be a goal for everyone. It requires more time and effort as compared to holding a job and building more passive flows of income. However, if you go about it the right way it can be most rewarding in many ways.

Find your Ikigai and create a professional life/ identity around it.

Start it as a side-hustle to test the waters. Offer a service or create product you can sell. Think selling your expertise as consultant, digital products, courses or writing a blog or book.

Hesitating because you’re not sure you got value?

Know that you’re better than 99% of all people at doing something.

Find this something, your core competence, your “ikigai”. Most people that are as good, or even better than you, are simply too lazy to do something with it. This is your chance.

Entrepreneurship is taking control of your own life. You have all the power. But as the saying goes “with great power comes great responsibility”. When you’re an employee and things go wrong, you can blame it on the economy, the company, your co-workers or the boss. When you take charge and become the boss its 100% on you. No excuses.

The upside however is that IF you do it right, all the benefits are yours as well.

It’s simple arithmetic: Your income can grow only to the extent that you do.

T. Harv Eker

The benefits of performing well as entrepreneur are naturally much greater as compared to outperforming on your 9-5 job as you don’t have to pay your company shareholders, your bosses, your service departments such as HR, the office rent, marketing and so forth. However, you’ll also have to do all those things yourself. It’s a give and take.

Entrepreneurship is a wide topic. Once you have built sufficient income streams to sustain a comfortable lifestyle it’s the next logic step for most. You don’t have to build an empire, build a lifestyle business. Owning a company comes with even more tax benefits as compared to real estate.

Building an online business is the most fashinoable way to go. But don’t limit yourself to that thought. There are so many ways you can untap additional streams of income as long as your focus on adding value serving your clients.

Focus

If you’re working a very high paid profession and are happy at your job, shouldn’t you be focusing more time on your vocation instead of venturing into building other streams of income?

My thought on this is simple: Yes! Do focus on what you’re passionate, good at and can get paid for.

However, you don’t have to keep selling your time and skills to an employer.

The only difference between a rich person and a poor person is how they use their time.

Robert Kiyosaki

The more you rely on one stream of income – as high or good it may be – the riskier. Imagine getting laid off tomorrow.

Congratulations if you have a well paid job, it’s actually easier [to get started] as you can re-channel more of your excess cash into assets, trying experiments and you can afford to make more mistakes on your journey.

Simply put, more streams of income equal more security.

Work on becoming your own boss – cut the middleman – and get paid by your clients directly. This is also beneficial to reduce potential conflicts of interest as you can serve your client better if you do so without having to satisfy your employer as well.

Focus to master and bring a first additional stream of income it to fruition, stabilize it, only then move your focus to the next one and repeat. Over time you will build an optimized system of well diversified passive and active income streams that is aligned to your ikigai, lifestyle, dreams and ultimately let you forget when its payday.

This is how financial abundance looks to me.

Coming from a banking background, my own major streams of income are business (consulting, advising, managing money for others), capital growth, dividends and rentals.

Conclusion

Selling more of your time is not scalable. It might also not be sustainable nor enjoyable. Go for additional income streams that are aligned with your envisioned lifestyle and that are mostly flexible and as passive as can be.

Increasing and diversifying your income is simple – but not easy.

It’s definitively worth it.

If you don’t get started, you will always just be one paycheck away from being on the street.

Don’t downgrade your dream to match your reality, upgrade your faith to match your destiny!

How many streams of income do you have and which ones are you currently working on?

Financially Imagineer your life,

Matt

Disclaimer: Please be made aware that the some of the links used above may be affiliate links for which Financial Imagineer could receive a compensation.

The Power of Planning: 8 Life-Changing Ideas to Set Yourself for a Financially Successful 2018/19/20/21!

Update [2020]:

This post was originally written for the New Year 2017/18, but its lessons are timeless: Please also consider this as you plan for 2021/22/23… or within the year.

xxx

Set challenging targets for 2018. Plan to push yourself out of your comfort zone. Try new things, learn new skills, keep pushing yourself forward, change and enrich your mind and your world. Embrace change. Be not afraid to make mistakes. Nothing is perfect from the beginning. Whatever it is, family, love, art, work – life itself. Do something new, something you’re scared of doing. Dare to allow yourself to make mistakes. Only this way can you grow!

To reaching new heights and making dreams work in 2018!

In a life well lived, each succeeding day becomes better than the last. Each day, each year, each experience does not stand alone. It cannot be separated from what has happened before or what may happen later. Yesterday determines today and today helps determine tomorrow. Decide and plan your tomorrow today. Do not stick to business as usual, don’t be a play-it-safer, a creature of the commonplace or a slave of the ordinary.

If you want to have an extraordinary life, you got to get rid of your ordinary one first.

Same procedure as every year James?

If you are aiming for a journey towards financial independence: Dream big, plan ahead and get started. Life is busy. Time flies. Organize your life. No one cares about your success more than you do yourself. And surprise: It’s not all about a budget, saving or investing.

1. Re-Imagineer Your Relationship Infrastructure

Your social environment defines who you become. Did you know that you’ll become the average of the five people you hang out the most with in your life? Therefore: Ensure that you surround yourself with people sharing your vision for financial success!

You become the average of the five people you hang out with.

Do you spend enough time nurturing relationships that matter? Do your current relationships bring you closer to where you want to be? Do you actively reach out and try to connect with people that are already living a life you’d like to live yourself? How do you manage toxic relationships that drag you down? Is the bulk of your current relationships meaningful and enjoyable?

Find five people within your social network that are living the life you dream about, increase engagement with them and learn from and with them. Grow together! Re-imagineer your trusted circle. Engage also in social media online groups such as Choose FI on Facebook.

Your network is your net worth. How do you value your network? Well, if you don’t value it, cultivate it, nurture it, it becomes worthless. If you do value it, it becomes priceless.

If you’re looking for a new start in 2018, this is where to get started!

2. Commit Yourself to Lifelong [Financial] Learning

If you want to grow, you got to keep learning and expose yourself to new experiences. Make expanding your mindset your new habit – embrace ongoing learning. Learn one or two new skills in 2018. This could be anything you believe could add value to your immediate life. Learn how to cook, how to write, how to invest better, how to start a business, anything that brings you forward and closer towards your goals! The most important thing is to get started and keep going so it may become one of your habits.

Make it a habit to read three blog posts a day – http://rockstarfinance.com/ already did the job for your pre-selection by posting the three best personal finance posts every day! Listen to good podcasts on your commute to and from work.

Simply: Create an environment that won’t allow you to escape your new habits anymore. Set yourself up for success.

Jerry Seinfeld has a great way to make new behaviours a sticky habit. Get yourself a big wall calendar and hang it on a prominent wall. For each day you got to do your newly self-assigned task, e.g. to write or to read, take a big marker and make an X over that day. After a couple of days, there will be a chain of Xs on your wall and you will feel a sense of accomplishment. Keep at it and let the chain grow longer. Your only job now is to NOT break the chain! After a couple of weeks you can put the calendar aside as you’d be living your new habit.

Education is the key to unlock the golden door of freedom. Never stop learning, because life never stops teaching. Education, therefore, is a process of current living and not a preparation for future living.

Bonus tip: For myself, I always carry a notebook and pen with me to write down new ideas as they pop up, some people also use online tools such as Evernote. Do this right after you’ve had an inspirational chat, listened to a podcast or finished your three blog posts a day.

Commit yourself to lifelong learning. The most valuable asset you’ll ever have is your mind. Don’t starve it and feed it well.

3. Set A Net-Worth Target

Humans are simple, they usually pay extra attention on what is being measured. Hence, measure financial success, and I assure you will pay attention to it. Start tracking your net-worth, set-up an excel and define a net worth target for you to reach in the next five years, by end of 2018, 2019, 2020, 2021 and 2022.

Goals are simply a dream with a deadline.

What is your current net-worth? Well, you basically add up all your assets and deduct your liabilities. Track the value of your cash, your investment account, your real estate, your business and deduct your loans, your mortgage and any other outstanding liabilities. The resulting balance is your net-worth. Aim to grow it.

When people calculate their net-worth for the first time, some will add their furniture, a car, an impressive DVD collection and assign highly subjective dream valuations to it. Don’t be like these people. Only consider your tangible assets with a objective market value for your net-worth calculation.

Net-worth can be grown by increasing your assets, by decreasing your liabilities or by doing both at the same time. Define by how much you aim to grow your net-worth in 2018 and get started.

Wealth is not money, it’s capacity for quality of life.

4. Activate Your Assets

Look through your list of assets – as in step 3 – and try to find any assets that are currently idle and could be put to work harder in order to help you achieve your net-worth target easier. This could be a large chunk of cash, gold or other unproductive assets, an extra room or two in your home, an extra parking lot, assets in your retirement account not invested efficiently or many other things that I might not have listed in this paragraph.

An asset is something that puts money in your pocket, a liability is something you still got to pay for or that costs you holding it. Hence, you better check if there’s any idle parts in your overall assets that you could activate or reconfigure. Any idle asset that you could activate today will start adding money to your pocket tomorrow and lets you achieve your financial targets earlier and easier.

You got a huge home? Rent out one or two rooms in your home! You got a parking lot but no car? Rent out your parking lot! Reconsider your current retirement account investments and make sure your current assets are put to work in an efficient manner. Many people will be surprised to find potential for further optimization in this area. Activate your assets!

A related area could also be to optimize your debt. Maybe you could pay-off high interest liabilities with lower interest loans and streamline your liabilities part as well. Sometimes I meet people who take up a car-loan but could have borrowed for much cheaper against their home or their portfolio.

In case you like to explore this topic further, you might also enjoy reading my post “Your Gravity Defying Money Bazooka”.

5. Increase your earnings

Are you making as much money as you’d like to? No? No problem: Everything is figureoutable! If you’re not making enough money [yet], then you need to get more creative. The majority of our fellow human beings rely on their salary for a lifetime. That’s not wrong, but it decreases their chance to attain financial independence dramatically. Did you know that the average millionaire has somewhere around seven different sources of income? In case you’d like to earn more money, don’t just focus on your job alone. Explore, dream, discover!

The most helpful tool I’ve come across for this step is Rich Dad Poor Dads Cash Flow Quadrant. The Cash Flow Quadrant is comprised of four quadrants. You might want to view this short video for further clarity before we move on.

E stands for Employee – Human Capital, no leverage

People that “have a job”, they sell their time and are “compensated” with money. Whatever value they create or contribute is absorbed by a company and they are “rewarded” with a salary for their efforts. As you will shortly see, this is unfortunately the poorest quadrant of them all. It offers no leverage and you can’t stop working without loosing your income immediately. Active, linear income with time constraint.

S stands for Self-Employed – Human Capital, no overhead

People in this quadrant “own a job”. They are self-employed and can cut-out paying for expensive offices, bosses or other stakeholders involved in the E quadrant. Hence, they can earn somewhat more money against their time. However, it’s just another version of the “time against money” game since if a self-employed stops working, no income is flowing back to them. Somewhat more money, but still active, linear income with time constraint.

B stands for Business – Human Capital with leverage

People in this quadrant “own a system”, the system allows other people to work with them and hence, they have a leverage component in terms of manpower. The system and its people work for the owner. The key to building a sustainable business system is to have useful, unique and hard to copy products, solutions or services combined with a great branding. Franchise systems can also be considered. In order to be successful, people need to transition from a job-mentality to a business person mindset. They need to learn how to hire and motivate the right people and how to keep all stakeholders involved happy over time. This quadrant is still a rather active one, but offers leverage from the peoples’ as well as the capitals component. Owning and managing a business is more risky than holding or owning a job. Therefore governments around the globe incentivize them with tax benefits people in the E and S quadrant don’t have.

I stands for Investors – Financial Capital with leverage

Last but not least, the investor. The big difference of this quadrant is that investors invest their financial capital instead of their human capital. In other words, they send money to work. This quadrant is therefore the only truly passive income quadrant. The active part comes from choosing the right investment cases and reviewing existing investments once in a while. Investments can be made in businesses, the capital markets as well as in real estate. This quadrant offers you unlimited upside potential but also bears most risks due to the volatility of the markets.

A common way towards Financial Independence is to slowly emerge from the E quadrant towards the S and B quadrants while constantly feeding the I quadrant on the side over time. Don’t just diversify your investments, also diversify your streams of income. Evolve from the E and S quadrants and start unlocking the B and I quadrants for yourself. In case you like it on the safe side: You can still hold your job while taking the first steps into these new fields! Don’t chase seven rabbits until you learn how to catch one.

I would rather earn 1% off a 100 people’s efforts than 100% of my own efforts.
– John D. Rockefeller

6. Multiply your streams of [passive] income

There are different forms of income. In step 5 you’ve seen that there are active and more passive forms of income. You can either sell your time for money or create systems such as a business or investment strategy to provide you with income. Most people start the wealth building process with an active form of income: salary.

Your salary: A nice looking flow of income. What if someone stops or diverts the flow?

Get started on this path and as your active income grows, open up and invest into passive streams of income.

First step: Make a list of all your current streams of income.

Salary
Interest [cash, bonds, mutual funds, ETF]
Dividends [stocks, mutual funds, ETF]
Capital Gains [real estate and capital market investments]
Side-hustle 1
Side-hustle 2
Rental income [apartments, rooms, parking lots]
Business
Any others?

As you look through this list, categorize the income streams into active and passive streams of income. Also make a triage in terms of how much return on investment you could possibly obtain by shifting your focus and/ or more capital into each respective source of income. Now, figure out how much additional resources such as time and savings you could possibly boost every month and define into which income streams you’d be investing your time and money going forward.

As the CEO and CFO of YOU Inc., it’s your job to focus on increasing your passive streams of income, especially where your expected return on investment is the highest. In order to learn more and get your streams of income from more independent sources, try to diversify into several streams of income as long as the administrative effort is manageable.

Imagine: If you’d be a publicly listed stock, would you invest in yourself?

Read here to unlock the power of unstoppable multi-flows of income!

If you don’t find a way to make money while you sleep, you will work until you die.
– Warren Buffett

7. Reduce your expenses

Live below your means. Avoid lifestyle inflation. Do not keep up with the Joneses, rather try to keep up with the Mustachians.

Did you know Warren Buffett is still living in the same home he bought for USD 31,500 back in 1958. He managed to avoid lifestyle creep and smartly reinvested his savings instead of upgrading his residence. Amongst other reasons such as being patient, sticking to his strategy and reinvesting his profits, this allowed him to “early retire at 25” and focus on his true passion: Investing instead of selling stocks. Eventually, this helped him to unlock the magic of compounding interest and lead a happy, self-determined life.

Warren never thought of a $5,000 couch simply as a $5,000 couch. He calculated that $5,000 in today’s dollars multiplied with 7% annual performance over 50 years would represent an opportunity loss of $5,000 x 1.07^50 = $150,000. Now imagine, how much a new car, that expensive dress or a designer bag will actually cost you in tomorrows’ dollars. On top of that, such stuff will all end up as trash.

Warren is smart and successful. Be more like Warren.

Constantly throwing money at new experiences or more stuff is also not a recipe for lasting happiness and contentment. Don’t get me wrong, you don’t have to live like a caveman. But I’m 100% confident almost everyone can cut back their expenses and reinvest the difference in order to snowball their wealth up faster. Economize somewhat, simply spend less on housing, cars, eat out less often, keep your desire to acquire in check and off you go!

8. Pay yourself first – automate your investments

The majority of people simply spend their whole pay-check and only in the rare and special case some cash remains after a month, this might eventually get stashed away. Why not do the opposite and pay yourself first instead? Did you know Mustachianism comes from MUST-STASH!?

“Treat your savings account like just another bill. It has to be paid every month or there are consequences.”

Define how much to stash away every month! Right after you’ve received your pay check, pay yourself first. Best is to have this transfer automated! Stash this cash into your savings or even better investment account. By doing this, you will not be tempted to spending away your saving portion and you will start getting used to making ends meet with whatever amount is left in the bank account after having paid yourself. Another habit is created!

After you paid yourself first – get this surplus invested and make it work for you. Invest whenever your money is ready, invest regularly, best is to have investing automated as well so you don’t have to actively make an investment decision every single month and end up suffering severe decision fatigue. Once you pay yourself first and the investment part is put on auto-pilot, you’re set for a financially successful 2018 and beyond!

Looking for more reading material on these topics?
Click here.

What are your Financial New Year resolutions? What are your net-worth targets? Which skills would you like to build? Leave your comments below or on Twitter and Facebook!

Remember: Failing to plan is planning to fail!

To reaching new heights and making dreams work in 2018!
Financial Imagineer