Millionaire Calculator
Years to Target
1. Start with a plan.
2. Build your portfolio.
3. Track your progress.
The Roadmap
Get Emergency Fund.
Before you start investing, build a safety net of 3-6 months of expenses. This buffer protects your investments from life's surprises and gives you peace of mind to make rational decisions.
Split Core and Satellite Portfolio.
Keep 80-90% in a steady core portfolio where you DCA into proven assets. Use the remaining 10-20% for more ambitious investments. This way you can participate in exciting opportunities without risking your wealth-building machine.
Pick ETF and Platform Wisely.
Choose low-cost ETFs tracking broad market indices. Pay attention to expense ratios - even 1% fees can eat 25% of your returns over 30 years. Pick a reliable platform that allows automatic investments.
Learn How to Invest in Crypto Safely.
Focus on Bitcoin for long-term wealth building. Avoid the temptation of memecoins and leverage trading. Keep your keys secure and understand the risks before investing.
Learn How Gold and Silver Work in Portfolio.
Set up recurring buys for Bitcoin. Don't try to time the market - systematic buying smooths out volatility and removes emotional decision-making from the process.
Learn How to Use Bonds without giving up gains.
Build a balanced portfolio using traditional safe-haven assets. These act as stabilizers during market turbulence and provide dry powder for buying opportunities.
Invest Early. Invest a Lot.
Time is your greatest ally in investing. Thanks to compound interest, investing $2,000 monthly for 10 years can outperform $1,000 monthly for 20 years. Start early, even with small amounts.
Rebalance Portfolio.
Maintain your target allocations by periodically rebalancing. This enforces the "buy low, sell high" principle automatically and keeps your risk level consistent.
Join Community.
Connect with like-minded investors. Share experiences, learn from others' mistakes, and stay motivated on your wealth-building journey.