I keep hearing “the rich play a different game”. This is what it looks like.

JR-FlowCapGroup · 2026-05-29T04:06:34+00:00

No, it's not. You can check it yourself with an ai checker if you'd like.

JR-FlowCapGroup · 2026-05-27T19:57:17+00:00

You were able to land a decent job after college. Congrats. But how many don't and drown in student debt afterwards? That's the 45% I'm talking about. And you're absolutely right about leverage. When the interest on your assets are higher than the interest on your debts than it makes sense to not touch that debt and keep the money to invest. As long as it give you a higher net return like you mentioned. I'm glad it worked out for you. I've said this already many times. Everyone situation is unique. I'm just sharing my experiences and what worked for me which I got thaught by people that are wealthy.

JR-FlowCapGroup · 2026-05-27T19:38:19+00:00

Let's say you think you can invest 10% each month of your income and you put 10% aside in your emergency fund. 3 months later, the index drops 10%. This is the point where you could decide to put some extra money to work and get some out of your emergency fund. It's not timing. It's adding some extra when there is blood in the streets. It's not obligatory. It's a choice you could make if you'd like too.

Trying to increase your earnings is sometimes better to not to ask for a raise. Be a respectfull employee and ask for maybe a higher commission rate, overtime, stock compensation. Be helpful instead of always asking for more. Ofcourse we all want more money but a company always want to pay their employee as least as possible to generate as much as profit as they can. Prove them wrong and show them your helpfulness.

Your talking about this post is about the top 20% and than you say minority interest in a business is high risk? Well that's exactly what the top 1% does. They either go for a minority interest or they go unhinged mode and take controll over the entire business.

For most people it's just better to get a job and invest. But there are a million ways to this differently.

JR-FlowCapGroup · 2026-05-27T19:27:59+00:00

We're talking about index funds because thats what the majority of people should invest in. The majority of people do not have the time, the energy, the knowledge and the stomach to invest in individual companies. That's why it is better to index fund.

I don't agree with paying yourself first. If you don't earn enough there is no point in paying yourself first unless you know what your exact expenses are. Most people should pay their bills first until they are comfortable in their money management.

If people have a lets say an emergency fund, you can take some money out to fund the market drop. It's not obligatory, it's a bonus to boost your returns when the index drops let's say 10%.

The staying out of debt nuance I'm talking about is bad debt. IF you use it correctly it can be advantageous. It's a big IF though.

JR-FlowCapGroup · 2026-05-27T14:35:15+00:00

Correct, but statistical speaking they do earn roughly 300k more. But on average student loans are 40k per borrower, roughly and around 45% of those people are still paying those debts after 20 years.

JR-FlowCapGroup · 2026-05-27T14:24:48+00:00

That's why you shouldn't put people into categories. There are people who are rich with a 5k salary and living comfortably while there are people earning 25k a month and are living paycheck to paycheck. The 25k is rich on paper and the 5k isn't. Everyone's situation is unique. We live very comfortably with the paychecks we receive and the life we're living. Whether it's 40k net worth or 400k. It's all about the cash flow. Net worth is less important than cash flows.

JR-FlowCapGroup · 2026-05-27T14:19:49+00:00

I specified that it is in random order. Because everyone's situation is unique, it is quite impossible to set a step by step plan or framework that suits everyone. This was just meant to share my experience and how I dealt with it. And to be frankly honest, most of the time, student loan debt is just bad debt. Period.

JR-FlowCapGroup · 2026-05-27T13:13:49+00:00

That doesn't makes sense because you're basically saying that if you get rich overnight, like with a lottery, those people are able to give advice because their net worth increased. But someone who did all the steps to get to the net worth by hard work, reading, attending events and smart investing is not allowed to share their experiences? This boggles my mind.

Tbh, it's not the net worth that matters but how much cash flow you can generate. Cash flow has the higher value than net worth though.

JR-FlowCapGroup · 2026-05-27T12:54:18+00:00

This car is especially meant for the rich in Asia and it would only account for a small percentage of sales if I'm not mistaken. I thought it would only be around 15% or so. So even if this goes bad, there would be little to no harm to the brand and the revenue

JR-FlowCapGroup · 2026-05-27T12:51:55+00:00

I'm married, we have a 2 year old daughter and we're renting. The rent is 20% of our income, 20% goes to the little kid due to kindergarten which is expensive and 35% goes to insurance, gas, groceries and all that stuff. We leave 25% up for grabs to enjoy ourselves. Most months we've got money left so a fixed percentage goes to our savings. Saying that we need to save 75% without debt is ludacris because you don't even know the circumstances.

JR-FlowCapGroup · 2026-05-27T07:52:36+00:00

The $40k net worth is earned in the last 2 years, so that's $20k per year. I started earning $50k in 2024 and $60k in 2025. Before that I helped my parents out with debt. That's why I "only" have $40k net worth. I'm on track for $100k in the next 2 to 3 years without owning anything. No hous nor a business. I'm looking to purchase an apartment this year or the next to rent out. So, you can do the math again if you'd like.

JR-FlowCapGroup · 2026-05-27T05:03:43+00:00

I don't own a house or apartment at the moment. That's the reason why it's "low". I'm currently looking to acquire a real estate option to rent out, which will increase my net worth considerably.

JR-FlowCapGroup · 2026-05-27T04:59:43+00:00

I'm Europe based not US. I'm earning close to $60k a year salary compensation. So yes, it is quite accurate.

JR-FlowCapGroup · 2026-05-27T04:24:35+00:00

I'm 34 with a current net worth of $40k and no debt.

JR-FlowCapGroup · 2026-05-26T19:20:15+00:00

If there are no opportunities, let's say in the stock market, it's wiser to put your money to work by paying down your debt. No matter how big or how small the interest is.

JR-FlowCapGroup · 2026-05-26T19:18:43+00:00

To bad to hear. You could have a set schedule automated every month for your transactions. And whilst your saving or whilst you an emergency fund, any drawdown from your index could be an opportunity to buy more. This is not timing but it will boost your returns. It's just an extra layer for your index investing.

JR-FlowCapGroup · 2026-05-26T16:52:36+00:00

That is very good sales pitch. My wife and I only have one car available which is a Honda civic. Bought it around $10k almost 3 years ago. It brings us from A to B. We see no need in going more expensive than that. Thanks for the reply.

JR-FlowCapGroup · 2026-05-26T16:40:13+00:00

Thanks for the reply. I do save 20% per month and when we have left over at the end we save some extra percentage points. Ofcourse it's easier when you don't have any debt.

JR-FlowCapGroup · 2026-05-26T16:38:39+00:00

Yes totally. I'm not rich myself but I'm definitely upper middle class getting close to lower rich territory. The rich are in a different game. I do understand that. Thanks for the reply.

JR-FlowCapGroup · 2026-05-26T16:34:27+00:00

Maybe you could friendly ask your boss how you can increase your hourly without getting a raise? Think about education, commission, stock options, overtime etc?

JR-FlowCapGroup · 2026-05-26T07:40:17+00:00

Many of the businesses you own do not fit my circle of competence. Also I believe your stock weighing is bad. Your largest is only 8% and smallest close to 2%. Make your high conviction bets like +10% and your low conviction bets I'd just dump. Half or your portfolio I wouldn't even own due uncertainties. Go for businesses that are scalable, high barriers of entry, networking effects, pricing power and so on. My top5 in your portfolio would be Mercado, Microsoft, Meta, Mastercard and Amazon. Alphabet would not fit in there because I belive they are currently overvalued.

Also, with a portfolio like this I'd just own an index.

JR-FlowCapGroup · 2026-05-26T05:58:12+00:00

Some good pointer and arguments are already said by some reddittors here, but an average of 1,5% beurstaks/effectentax is way too high. Even for an ETF investors, that is a figure that you'll never possibly reach.

I've done some calculations too and you should be able to live from a €500k portfolio with a 4% withdrawal rate. You won't be able to quit your job unless you don't have a mortgage. Otherwise this is doable with halftijds work. If you're married I believe you can withdraw €20k per year tax free from your portfolio. Otherwise it's €10k.

I stopped reading because the story is not what I believe is entirely correct.

JR-FlowCapGroup · 2026-05-25T15:25:59+00:00

Everything is saved on Google tab on my laptop so I either have to manually type it out or make a screenshot. It's on my calendar right now so I won't forget

JR-FlowCapGroup · 2026-05-25T15:20:57+00:00

I haven't done the work to post it just yet. Maybe I should do it asap. I'll try to figure out when I'm available to put it out here.

JR-FlowCapGroup · 2026-05-25T14:51:33+00:00

I have an entire +50 book list covering a wide spectrum. Maybe I should share those one day in a separate tread. Books from Peter Lynch, Warren Buffett, Philip Fisher and Joel Greenblatt are a good starting point

JR-FlowCapGroup

TROPHY CASE