Many people never become millionaires because they don't have the tools or information to do so.
AND, most of what the "money gurus" talk about sounds like a foreign language
— it's just too complicated.
As a result, most people often face common challenges such as living below their means, not being able to save money, fear of losing money in investments, etc.
This toolkit addresses all of these issues (and more) with over 70 tools and resources to help you learn how to make millions — even if you're starting at zero.
Let's get started:
Resource Categories:
- Wealth Building Essentials
- Tools To Make (More) Money
- Tools to Keep (More) Money
- Tools to Multiply Money
- Tools to Repeat the Wealth Pattern
Wad Street Wealth Building Essentials
The Wealth Pattern Series (Free Email Course)
The ideas and insights in this series serve as the core for everything we at Wad Street do and everything we'd want to share with you.
We’re going to take you on a journey through a new paradigm of how to think about money.
This shift in thinking results in money entering your accounts faster than you can blink.
https://www.wadstreet.com/subscribe
"I Got Rich When I Understood This" (Must See Video)
Years ago, the Wad Street team came together to see if they could understand rich people.
Members of this group studied the rich and the wealthy of all walks of life, including successful businessmen, stock market executives, tech moguls, pro athletes, and even people who have risen from homelessness to billions.
Watch the short Documentary: https://youtu.be/AQU3atq3GmM
The Little-Known Truth About Money & How to Build Wealth From Nothing
What if there is a little-known, untold truth about money – an actual step-by-step formula for anyone desiring to build wealth from nothing — from scratch — from zero.
You won’t find this formula anywhere — not on the internet, it’s not taught in schools, nor the mainstream.
This formula is like the wealthy’s best-kept secret…. Until now.
Watch the Full Documentary: https://youtu.be/CyTqkGdiDQg
The Framework for Infinite Wealth:
If you want to achieve financial freedom, you need to understand how money works.
The Framework for Infinite Wealth is a simple 4 phase cycle that can completely skyrocket your money, freedom and happiness.
No confusing tech jargon — 4 simple phases to grasp (hint this toolkit is built around this very framework)
https://www.wadstreet.com/learn/the-framework-for-infinite-wealth
Wad Street Wealth Secret #1: Mastering Money
To the wealthy, building wealth is a matter of the Master VS the Slave.
A key reason why they are rich and you are not is that they make Money their slave instead of being a Slave to money.
Here is a crash course in Mastering Money, featuring Jamie Foxx, George Washington and a Horse.
https://www.wadstreet.com/learn/mastering-money
Wad Street Wealth Secret #2: The Wealthy's Willpower
The wealthy has a superpower — one that you too could possess if you worked to build it within yourself —
This superpower is "Willpower" and the wealthy's willpower is 100x stronger than yours (which is why they're wealthy).
Learn how to strengthen your Willpower like the wealthy with this short series.
https://www.wadstreet.com/learn/the-wealthys-willpower
Tools to Show You How to Make (More) Money
Understanding How Wealth & Money Really Works
The Richest Man In Babylon (Book)
One of the oldest and most well-known books on wealth building, The Richest Man in Babylon is a must-read for anyone serious about building wealth.
It tells the story of Arkad, the richest man in the city of Babylon, and his timeless secrets to wealth.
The One Percent (2006)
This documentary takes a look at the growing gap between rich and poor in the United States from the perspective of one of the wealthiest trust fund beneficiaries in America.
It features interviews with some of the wealthiest people on the planet, as well as those who are struggling to make ends meet.
https://www.youtube.com/watch?v=HmlX3fLQrEc
Rich Dad Poor Dad (Book)
One of the most famous book on investing and the wealth mindset, Rich Dad Poor Dad is a must-read for anyone looking to build their wealth.
It tells the story of Robert Kiyosaki and his two "dads" — his real father who was a struggling school teacher, and his rich friend's dad who was a successful businessman.
Family Wealth (Book)
In Family Wealth, Stanley and Danko share their extensive research on how the world's wealthy families maintain their wealth across generations.
This book is a must-read for anyone looking to build sustainable wealth for themselves and their families.
How Money Works: The Facts Visually Explained (Book)
This book is a great resource for understanding how money works and the different financial concepts that impact your wealth.
It's written in a simple and easy-to-understand manner, making it perfect for those who are new to personal finance.
Powernomics, Dr. Claud Anderson (book)
In Powernomics, Dr. Claud Anderson lays out a plan for so-called "African Americans" to gain economic power.
He shares his research on "black" economics and explains how wealth can be built within any community no matter what odds are stacked against them.
TED Talks: Money
If you're not familiar with TED Talks, they are essentially mini-lectures on various topics, given by experts in their field.
There are tons of great TED Talks on money and wealth, but here they are all in one convenient place:
https://www.ted.com/topics/money
Money Mastery for Families & Children
CASHFLOW Board Game (2020 Edition)
The CASHFLOW board game is a great way for you to learn & teach your kids about money, investing and building passive income.
It's a fun and interactive game that will help everyone understand how money works and the basics of investing.
https://store.richdad.com/products/cashflow-board-game
CASHFLOW For Kids
This is a version of the CASHFLOW board game specifically designed for kids.
It's an amazing and fun way to introduce your children to money and investing, and get them excited about building their own wealth.
The Stock Market Game
The Stock Market Game is an online simulation that lets players invest in real companies listed on actual stock exchanges.
It's a great way to learn about the stock market and how it works, without any risk.
https://www.stockmarketgame.org/
Cashflow 202 (Advanced)
CASHFLOW 202 is the advanced version of the CASHFLOW board game.
It's designed for those who have mastered the basics of investing and are ready to take their skills to the next level.
Understand the Basics of How Economies Works
The American Dream:
This animated film, though hilarious and entertaining, takes a critical look at how the money problems we face today are nothing new, and why great minds throughout history have warned us about the pitfalls of money and the economy.
(NOTE: Made for Adults-PG13 Not suitable for children under the age of 13)
https://youtu.be/tGk5ioEXlIM?t=17
U.S. Debt Clock
This is a live clock that shows the current US debt, and how it's changed over time.
It's a great way to see the huge impact that debt can have on an economy, and why it's so important to be financially responsible.
The Big Short (2015)
The Big Short is a movie about the housing market crash of 2008 — it also stars some of the biggest names in Hollywood: Brad Pitt, Steve Carell, Christian Bale & Ryan Gosling
It's an excellent film that does a great job of explaining how the economy works, and why things like the housing bubble can have such a devastating effect.
https://www.imdb.com/title/tt1596363/
Inside Job (2010)
Dubbed "The film that costs $20,000,000,000,000 to make."
Inside Job takes a closer look at what brought about the 2008 financial meltdown.
https://www.imdb.com/title/tt1645089/
Financial Dictionary:
This is a great resource for better understanding all the different (and confusing) financial terms and concepts.
It's essential for anyone who wants to become financially literate and be able to understand the news, reports, and other financial information.
https://www.investopedia.com/financial-term-dictionary-4769738
Tools to Learn Entrepreneurship Fundamentals
Starting Your Business in a Trillion-Dollar Industry:
Trice "The Unicorn" Johnson joins John Whaley (Business & Entrepreneur Coach) to talk about his simple strategy for starting a business in the trillion-dollar tech industry.
Watch: https://youtu.be/PsPNVlKVP1Y
The E-Myth Revisited (Book)
The E-Myth Revisited is a classic book about entrepreneurship, and why so many small businesses fail.
It's a must-read for anyone who wants to start their own business, and learn the basics of what it takes to be successful.
https://www.amazon.com/Myth-Revisited-Small-Businesses-About/dp/0887307280
The Untold Truth About Money
There is an untold truth about money – an actual equation that allows you to build wealth from nothing.
It’s an equation that is hardly taught in schools if at all, and is often overlooked by those who are trying to get rich, or achieve their dreams of “financial freedom”.
In this video, we’ll take a look at exactly what that equation is.
https://www.youtube.com/watch?v=6mRbDEtDoyA
47 Best Side Hustle Ideas 2022 (Make $1,000+ a Month!):
The best side hustle ideas are flexible and pay well for the work you’re doing.
We personally like the ones that are scalable (as in ones you can build into a much larger business), but not everyone is looking for a new career.
But if you want to make an extra $1,000-$2,000 per month, keep reading.
We’ve got the best, legit side hustle ideas for you.
https://millennialmoneyman.com/side-hustle/
Accounting Basics for Beginners
Accounting is the method of keeping score in the game of money.
In this powerful YouTube playlist, we'll take 1 simple example and follow it through all 8 Steps of the Accounting Cycle - from start to finish - you'll build a solid understanding of all the Accounting Basics we encounter along the way.
https://www.youtube.com/watch?v=yYX4bvQSqbo&list=PL5zKSeS09l339nB6ujJPQ9Rsv99_b-aTb
Harvard School of Business - Free Business Lessons
Harvard offers a number of free business courses on their edX platform.
These courses cover topics like accounting, marketing, finance, and more.
While they are not comprehensive courses, they are a great way to learn the basics of business from one of the world's most prestigious universities.
https://lessons.online.hbs.edu/
Law Depot - Free Legal Documents
Law Depot is a great resource for finding free legal documents.
You can find everything from contracts and agreements, to wills and trusts, to power of attorney forms.
https://www.lawdepot.com/?loc=US
Small Business Calculators
This website has a bunch of great calculators to help you with your small business.
There are calculators for start-up costs, marketing budgets, break-even analysis, and more.
https://www.bankrate.com/small-business/calculators/
Blue Ocean Strategy
In Blue Ocean Strategy, W. Chan Kim and Renée Mauborgne explain how companies can create uncontested market space, or a "blue ocean", and make the competition irrelevant.
It's a must-read for anyone in business, and is especially relevant for entrepreneurs and small businesses.
https://www.amazon.com/Blue-Ocean-Strategy-Expanded-Uncontested/dp/1625274491/
The Durable Business Course (Free)
This is a great, free course on how to build a durable business.
A durable business is one that can withstand the test of time, and is not dependent on any one person or thing.
In this course, you'll learn the basics of building a durable business, and how to create a business model that will last.
https://tinylittlebusinesses.com/the-durable-business-series-part-1/
Wave App - Free Business Accounting Software
Wave is a great, free accounting software for small businesses.
It's easy to use and has all the features you need to run your business finances.
Freshbooks - Accounting Software Built for Owners, Their Clients & Accountants
Freshbooks is the undisputed champion for invoicing software for small businesses.
It's easy to use and has all the features you need to create and send invoices plus more.
Stripe - Payment Processing for Internet Businesses
Stripe is the leading payment processor for internet businesses.
They offer a free, simple, easy-to-use platform that makes it easy to accept payments online.
Podia - Create, Sell & Market Your Courses Online
Podia is a great platform for selling digital products, online courses and building communities.
It's easy to use and has everything you need to launch and sell your course.
Plus, it's free to get started.
Gumroad - Sell What You Make
Gumroad is a great platform for selling digital products.
It's easy to use and has everything you need to launch and sell your product.
And because Gumroad makes money only when you make money, the risks are extremely minimal.
Tools Help you Keep (More of) the Money You Make
Resources to Improve Your Spending Habits
The Wealthy Barber (Book)
The Wealthy Barber is a great book that teaches you the basics of personal finance.
It's an easy read, and is packed with information on how to save money, invest, and more.
https://www.amazon.com/Wealthy-Barber-Updated-3rd-Commonsense/dp/0761513116/
Mortgage Calculators
Mortgage calculators are a great way to compare different mortgage options, and find the one that's right for you.
There are many different types of mortgage calculators, but some of the most popular ones are the Mortgage Payment Calculator, the Mortgage Interest Rate Calculator, and the Mortgage Affordability Calculator.
https://www.bankrate.com/mortgages/calculators/
Auto Calculators
Auto calculators are a great way to compare different auto loan options and find the one that's right for you.
There are many different types of auto calculators, but some of the most popular ones are the Car Payment Calculator, the Car Loan Interest Rate Calculator, and the Auto Loan Affordability Calculator.
https://www.bankrate.com/auto/calculators/
Credit Calculators
Credit calculators are a great way to compare different credit card options and find the one that's right for you.
There are many different types of credit calculators, but some of the most popular ones are the Credit Card Payment Calculator, the Credit Card Interest Rate Calculator, and the Credit Card Debt payoff Calculator.
https://www.bankrate.com/finance/credit-cards/calculators/
Debt Management Calculators
Debt management calculators are a great way to compare different debt management options and find the one that's right for you.
There are many different types of debt management calculators, but some of the most popular ones are the Debt Reduction Calculator, the Debt Consolidation Calculator, and the Debt Payoff Calculator.
https://www.bankrate.com/debt-management/calculators/
Money Management Tools
Pocket Guard - Personal finance simplified
Pocket Guard is a great tool for tracking your spending and saving money.
PocketGuard makes it easy to take control of your money, optimize your spending and grow your savings automatically.
Personal Finance Calculators
Personal finance calculators are a great way to compare different financial options and find the one that's right for you.
There are many different types of personal finance calculators, but some of the most popular ones are the Financial Goals Calculator, the Savings Calculator, and the Retirement Calculator.
https://www.bankrate.com/personal-finance/calculators/
Resources to Help you Save Money
Savings Calculators
Savings calculators are a great way to compare different savings options and find the one that's right for you.
There are many different types of savings calculators, but some of the most popular ones are the Savings Goal Calculator, the Savings Rate Calculator, and the Compound Interest Calculator.
https://www.bankrate.com/savings/calculators/
Becoming Your Own Banker (Book)
Finally! A book that tells the truth about Dividend-Paying Whole Life Insurance. Exercise your imagination with this major paradigm shift. Reading the book just one time won’t do the job.
Many people have seen what this book is about, but no one, to my knowledge, has put together a comprehensive argument like you will find in this book.
Read it with an open mind and you will discover an exciting new financial world!
Tax Calculators
Tax calculators are a great way to compare different tax options and find the one that's right for you.
There are many different types of tax calculators, but some of the most popular ones are the Tax Refund Calculator, the Tax Bracket Calculator, and the Self-Employment Tax Calculator.
https://www.bankrate.com/taxes/calculators/
Tax-Free Wealth: How to Build Massive Wealth by Permanently Lowering Your Taxes
In Tax-Free Wealth, Tom Wheelwright shows you how the tax code is actually designed to make you wealthy—if you know how to take advantage of it.
For most Americans, the biggest check they write each year is to the IRS. Wouldn’t it be great if that could change? This book explains how.
Protect Money from Loss
Pyramid Scheme: Definition according to the SEC:
Pyramid schemes are one of the main ways most people who are eager to build wealth lose money.
Understanding the real definition of a pyramid scheme and how to recognize them is key.
And who better to learn from than the SEC — the government agency tasked with putting creators of pyramid schemes in prison.
https://www.investor.gov/introduction-investing/investing-basics/glossary/pyramid-schemes
Ponzi Scheme: Definition according to the SEC:
Ponzi schemes are one of the oldest and most common types of fraud in the world.
Ponzi scheme promoters find new investors to pay returns to earlier investors from money paid by subsequent investors, rather than from any actual profit earned.
Understanding the real definition of a pyramid scheme and how to recognize them is key.
And who better to learn from than the SEC — the government agency tasked with putting creators of ponzi schemes in prison.
https://www.investor.gov/introduction-investing/investing-basics/glossary/ponzi-schemes
Tools to Multiply Money the Money You Keep
Tools to Learn Investing Fundamentals
Forbes — Elements Your Financial Investment Portfolio Must Have in 2022:
No matter how you summarize your goals for the future, there are certain core investments that will always have a place in a well-diversified portfolio.
Forbes Magazine tells all.
Investing Calculators
Investing calculators are a great way to compare different investing options and find the one that's right for you.
There are many different types of investing calculators, but some of the most popular ones are the Stock Return Calculator, the Mutual Fund Return Calculator, and the CD Ladder Calculator.
https://www.bankrate.com/finance/credit-cards/calculators/
Warren Buffett's Ground Rules: Words of Wisdom from the Partnership Letters of the World's Greatest Investor
What are the basic principles that have guided Warren Buffett through six decades of extraordinary investment success?
In this invaluable book, Jeremy C. Miller has organized and distilled two hundred letters written by Buffett to his limited partners during his partnership years into thirteen key themes, each a concise dist
Learn to First Invest in You
Wad Street MONEY MOTIVATION Playlist:
Listen to this popular playlist on YouTube featuring some of the most influential people in finance sharing their stories and motivating you to take your finances to the next level.
https://youtube.com/playlist?list=PLt1Nk3DkuznnksImbEcDigxpCWU0bMPXE
Bullet Journal
What is the best way to keep track of your finances and save money?
For many people, the answer is bullet journaling.
Bullet journaling is a method of organization that involves creating a notebook with different sections for different areas of your life.
You can use it to track your money habits, tasks financial goals along your journey to building wealth.
You Are Powerful - 365 Meditations of Strength and Positivity
This is a great book of daily affirmations to keep you motivated and focused on your goals.
A major part of wealth building is having the confidence to know that you can acheive wealth, that you're worthy of wealth, and this book will help you to build that confidence.
https://youarepowerfultoday.com/
Getting into Tech Without a Degree
A lot of people think that you need a degree in computer science or engineering to get a job in tech, but that's not necessarily true.
There's a little known science to getting into tech that doesn't require a college degree, and there are many ways to learn the skills you need without spending four years and a fortune on a degree.
Watch: https://youtu.be/dUm8GTQ8T0c
The War of Art (Book)
The War of Art is a great book for anyone who wants to learn how to overcome resistance and get started on their wealth-building journey.
The book is written by Steven Pressfield, a successful author and screenwriter, and it's full of practical advice on how to deal with procrastination, self-doubt, and other obstacles.
https://www.amazon.com/War-Art-Through-Creative-Battles/dp/1936891026/
Audible
Audible is a great resource for anyone who wants to learn more about money and investing.
There are many great books on Audible that can teach you the basics of investing, how to save money, and how to become a millionaire.
Some of our favorites include The Millionaire Fastlane, Rich Dad Poor Dad, and The Richest Man in Babylon.
Home Equity Calculators
If you're a homeowner, you have access to one of the most powerful tools for building wealth — your home equity.
Home equity is the portion of your home's value that you own outright, and it can be used as collateral for loans or investments.
There are many different ways to leverage your home equity to grow your wealth and these calculators will help you squeeze every available cent out of your property if needed.
https://www.bankrate.com/home-equity/calculators/
Rentometer
Rentometer is the Best way to scan the market for rental income comparatives.
Whenever you are thinking of buying an investment property, you should always check the rental income comparisons in the area to make sure you are getting a good deal.
Rentometer is a website that allows you to do just that.
Learn How to Investing in Others
Harvard School of Business — The Beginner’s Guide To Reading & Understanding Financial Statements:
Before investing in stocks or other business, you need to understand how read their financial "report card" — the company's financial statement.
Harvard School of Business offers this free course to teach you how to do just that.
https://online.hbs.edu/blog/post/how-to-read-financial-statements
Harvard School of Business — How To Read & Understand An Income Statement:
"As a working professional, business owner, entrepreneur, or investor, knowing how to read and analyze data from an income statement—one of the most important financial documents that companies produce—is a critical skill to have."
Learn from one of the best institutions to ever teach it — Harvard School of Business.
https://online.hbs.edu/blog/post/income-statement-analysis
TD Bank, Stock Market simulator game
This is a fun and risk-free way to learn how to invest in stocks.
Learn about the stock market and personal finance and practice trading real stocks at real prices, without risking real money.
https://virtualstockmarket.tdbank.com/
NFTs, Explained
Yes it's hype. But it could change our world.
Video journalist Johnny Harris takes a deep dive into crazy world of NFT's to discover if it's just smoke and hot air, or is there something really to NFT's.
https://www.youtube.com/watch?v=Oz9zw7-_vhM
The Intelligent Investor (Book)
“By far the best book on investing ever written.” — Warren Buffett
Nuff said. Read the book.
Currency Calculator
If you're looking to invest in foreign currency, this calculator will help you determine how much your investment will be worth in today's dollars.
https://www.calculator.net/currency-calculator.html
Repeat the Wealth Pattern to Make More, Keep More and Multiply More Money
The Accounting Game (Book)
"The Accounting Game: Basic Accounting Fresh from the Lemonade Stand is a fun, easy way to learn basic accounting and double-entry bookkeeping.
Suitable for ages 9-99."
This is a great book for kids (or anyone) who wants to learn the basics of accounting in a fun and engaging way.
https://www.amazon.com/Accounting-Game-Basic-Fresh-Lemonade-ebook/dp/B001U29UIU/
Kakebo: The Japanese Art of Saving Money (Book)
Kakebo is the Japanese art of saving money, and this book will teach you how to do it.
"Kakebo is much more than just a bookkeeping method. It is an effective way of gaining control over your finances and your life."
https://www.amazon.com/s?k=Kakebo%3A+The+Japanese+Art+of+Saving+Money&i=stripbooks
Money Training For Kids & Teens:
How To Make, Save & Invest Your Money
This is a great resource for teaching kids and teens about money.
It includes games, activities, worksheets and more to help them understand and manage their money.
For Kids: https://www.themint.org/kids/
For Teens: https://www.themint.org/teens/
Financial Fitness Test:
How Fit Are You?
This quiz will help you assess your financial fitness and give you some tips on how to improve it.
https://www.themintgrad.org/try-it/financial-fitness-test/
The Be Your Own Boss Challenge:
How do you know if you've got what it takes to be your own boss?
Consider the following questions to get you started thinking about what it takes.
https://www.themint.org/kids/be-your-own-boss-challenge.html
How Banks Work (For Kids)
This is a quick resource for kids (or anyone) who wants to learn how banks work.
It includes a quick overview to help them understand how banks operate.
https://www.themint.org/kids/how-banks-work
The Mint Grad's Guide to Starting Your own Business
This is a great resource for high school students and college graduates who are thinking about starting their own business.
It includes information on how to get started, what to consider and more.
https://www.themintgrad.org/guide-to-starting-your-own-business/
Cash Calculator (For Kids)
This is a great tool for kids to use to help them understand how much money they have and how to budget it.
https://www.themint.org/kids/cash-calculator.html
Saving Calculator (For Kids)
This is a great tool for kids to use to help them understand how much money they need to save and how to budget it.
https://www.themint.org/kids/saving-calculator.html
When Will You Be a Millionaire?
This is a great tool for kids (or anyone) who wants to know when they will be a millionaire based on investment amounts and investment types.
https://www.themint.org/kids/when-will-you-be-a-millionaire.html
The Truth About Millionaires
"The Truth About Millionaires exposes the myths and presents the facts about how Millionaires really think and act when it comes to money."
https://www.themint.org/kids/the-truth-about-millionaires.html
Buy It or Not?
This is a great tool for kids (or anyone) to help them understand the difference between needs and wants.
https://www.themint.org/teens/buy-it-or-not.html
What Kind of Spender are you?
This quiz will help you understand what kind of spender you are and give you some tips on how to manage your money better.
Teen Edition: https://www.themint.org/teens/what-kind-of-spender-are-you.html
Graduate Edition: https://www.themintgrad.org/try-it/what-kind-of-spender-are-you/
What is your Credit Card IQ?
This quiz will test your knowledge on what credit cards are, how they work and what to consider before using one.
https://www.themint.org/teens/what-is-your-credit-card-iq.html
Test Your Financial Compatibility Quiz
"Are you and your partner on the same page when it comes to finances? This quiz will help you find out."
https://www.themintgrad.org/try-it/test-your-financial-compatibility-quiz/
Budget Busters Tool
This is a great tool to help you understand where your money is going, what's busting your budget and how to budget better.
https://www.themintgrad.org/try-it/budget-busters-tool/
Wrapping Up
There you have it!
A wealth of resources to help you on your journey to becoming a millionaire.
Be sure to bookmark this page and come back to it often as you continue your journey.
And don't forget to share this with anyone who might find it helpful.
Did we miss anything? Let us know in this form.
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Peace and ❤️
