One of the greatest things you can do with yourself and your money is invest it. Around 2010, I discovered Financial Samurai and began reading Sam’s website. He has a wealth of experience in investing and worked in finance for a number of years before retiring in 2013 at the age of 35.

There’s a number of ways to invest in yourself and your money. Investing in yourself is straightforward: read books, exercise, eat healthy food, spend time with others and learn from each other, practice a skill, meditate, use an inversion table, and the list goes on. The point is to take time out of your day to better yourself to become more than you were.

Investing money has been one of the great experiences of my life. I remember losing several thousand dollars in the first few years of investing, with one such incident buying 10,000 shares of KDKN in hopes that it would go up. Little did I know it was a dying Canadian energy stock that had been low for ages. After a couple thousand point drop in my shares value, I sold it. Thankfully I did at that loss because it went 90% lower after that and hasn’t recovered.

The best returning investment I’ve found for myself is Currently, I make over 10% and have been doing it since December, 2013. If I can earn at least 7% from it, and preferably 10% or more, I will be ecstatic with it. It’s a nice way to invest if you are in a state that allows it because you can automate the investing and don’t have to spend any work on it after that.

Invest in yourself, invest your money. It’s fun and you have the potential to become and have more than you presently are.

8 thoughts on “Investing

  1. Hello Jeremy,

    I read and enjoyed your article which was on Joe Udo’s retire by 40.

    I was really impressed with how you revealed that your current portfolio is $38,259.11. I reviewed your portfolio details but wasn’t able to find my answers:

    I’m curious how you were able to get to that and how long?

    My questions:
    1. When you started investing with prosper with $10,000, around what year was this?
    2. Did you re-invest your interest/payments to help you get to $38K or did you add additional funds?
    3. If you did add additional funds, how much would you say is money you put into prosper and how much is the interest earned? For example, you invested $25K and with the re-investing interest its now worth 38K?
    4. Now that you make $400 monthly, do you re-invest it?



    1. Hi Mark! Here’s my answers to your questions:

      1. I started in December of 2012 with $10,000 of my money in $100 notes, for a total of 100 notes to start with.
      2. I added additional funds every month, about $500 for a year and a half. Plus I added more when I got bonuses at work. I’m now single with two kids and can’t afford to do that much, but still put in $50 extra each month. I set everything to automatically reinvest.
      3. Out of my 38K, about 6K was interest in excess of principal as of January 31, 2015.
      4. I reinvest all the monthly interest at this time and will continue to do so until I decide to tap into my 401K and other investments. Then I’ll try to live off just interest.

      1. Jeremy, Thanks a lot for being so open with your finances and taking the time to answer my questions! I’m new to this so reading blogs likes yours but more importantly, learning from people who share what helps for them has been helpful! All the best to you!

          1. Hi Jeremy, hope all is well..I’ve been doing the P2P lending,.do far so good…I have a few more questions..
            1.the $400 you earn a month from P2P…is that a combination of principal and interest or just interest?
            2. When you get closer to retirement, will you continue to re-invest the principal and interest or will you just start to liquids the account?

  2. @Mark

    1. The $400 is just the interest
    2. When I get to retirement, I will begin to withdraw just the interest that is earned, such that I want to keep the base amount the same. I don’t want to dip into my cash, but just live off the interest.

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