Where Do You Want to Begin?
Every person who finds WageLegacy is in a different place. Pick the one that sounds like you right now.
I learned Dave Ramsey’s Baby Steps at 16. Applied them on a UPS driver’s salary. Built a net worth of $250,000 before I was 30. Then a divorce took half of it. I rebuilt – differently this time – using everything I learned the first time plus what I figured out the hard way. This site is all of it.
Read the full story →What describes where you are right now?
Every article on WageLegacy fits into one of three tracks. Start with the one that matches your situation today.
This is where I started the second time around. Emergency fund, zero-based budget, debt payoff plan. You cannot invest your way out of debt – you have to build the foundation first. Start here.
Good. Now we make your money work. Roth IRA, 401k, index funds, and how to actually allocate it all on a working income. No finance degree required.
This is where my thinking shifted after the divorce. I started asking why the dollar I earned in 2016 bought less in 2020. Why housing went up 40% and my savings did not keep pace. Bitcoin answered a lot of those questions – not as a trade, as a store of value.
What I believe about money.
You cannot invest your way out of debt. You have to earn your way out. The foundation has to come before anything else.
A $50 investment every month beats one $600 investment once a year. Show up and keep going. The math takes care of the rest.
It is a completely different asset with a completely different purpose. I lost money on Safemoon. I hold Bitcoin. Those are not the same thing.
I built $250,000 on an hourly wage. What you do with your check matters more than how big it is.