4 Investments you need to do before your 40's

6 min readJan 28, 2022

How I can invest my money properly so that I can retire early, right? That’s a great question.

Who doesn’t want to live a comfortable life, right? To have enough funds to stop working as much or own all together? But to achieve that, you could first be smart with your money. Today, I have a list of five investments that you can make in order to retire early. Look, having money in a bank account just isn’t going to cut it. Nowadays, saving cash in a bank account will most likely not give you any good returns, right? Interest rates on savings accounts don’t allow your money to grow very quickly. And unfortunately, the interest rates in your savings account are often way lower than the rate of inflation. So your money is actually going to be worth less and less in the bank, which, simply put, means you need to invest your money. You need to apply it somewhere else. The first suggestion is to invest into stocks.


Now, I’m no financial planner, but I do have a team that helps me manage my investments, and I’ve learned a lot from them. There’s a lot to unpack here when it comes to investing in stocks and shares. But what I want you to get from this post is that you should be fairly knowledgeable in the companies that you’re investing for. You guys that don’t know investing in stocks, it simply means buying tiny shares of ownership in a public company. Z, for example, own shares of a lot of technology companies like Apple, Tesla, Google, et cetera, airline companies like Delta, United, Boeing, like real estate companies, more traditional automotive companies, and so many others. Right ?

Some of these are investments that my financial planner chose. Others I decided to invest in myself. If you haven’t invested into any stocks yet, I highly recommend that you familiarize yourself in that space. And here’s what I’ll say about that, because it might seem daunting. I know a lot of you who watch my posts. You guys are young, some of you are teenagers, but it’s actually not as difficult as it seems. Most people get scared or intimidated by stocks, but with a little research, you start to feel pretty comfortable with the topic. And then you get to a point where you’re ready to invest some of your own money. Of course, it goes without saying, all right, that investing into stocks does not guarantee that you’re going to make money. It just doesn’t. It all depends on how those companies that you invested in are doing and how the overall market is doing. Start small, learn how to buy and sell stocks, research as much as possible, but start doing this now.

Crypto’s and NFT

These the new shiny thing and everyone’s talking about it, right? Investing into cryptocurrency. It seemed to be a good idea at the moment. I mean, look at all the crazy growth in Bitcoin Ethereum, DOJ and so many other coins they blew up recently. It’s insane. If you’re serious about retiring early, I highly recommend you start investing into the cryptocurrencies that you are familiar with. Is it a safe investment? No, it’s not. It feels 100% safe. Then everyone would just be super wealthy right now from crypto and just quit their job. So the same applies here. Invest only what you’re comfortable losing. That’s $100. Cool.

Invest $100 if it’s 5K or 10,000 and invest that amount. I’ve invested pretty heavily into Bitcoin Ethereum and a few other smaller coins because I do believe that they are the future, right? Some would even say they are the present, especially now with Facebook creating meta, the meta versus weird and foreign. But at the end of the day, it’s actually not that far off from today.

When it comes to NFTs, the first thing you need to do is spend a few hours learning what they are, how it works and how they are created, how they’re sold, and what the future of NFT looks like It’s a lot to unpack. And if you want to learn all about NFTs, then our sponsor has your back. Tesla has everything that you need. It’s an energy efficient block chain where developers, artists, entrepreneurs, brands, and others from around the world build and engage with a network of decentralized applications. So they have a build, play and collect home page that makes the wild and sometimes really hard to understand.

Real Estate

Now, granted, it’s probably also the hardest investment to make traditional real estate investment. It means buying a property, selling it later for a profit, or maybe owning that property and collecting rent as passive income, which is great. Owning real estate has always been a passion and a goal of mine since I was in my early twenties. At the time, it seemed really daunting and crazy to own real estate. But as you grow older, it becomes more and more accessible. Of course, with the right mindset and the right research, you can do that.

There are several States and locations in the United States, for example, that allow you to get a property for a fairly low price. La, New York City definitely not one of them. But if you look elsewhere, you’re able to afford a place, right? Then you rent that place out for an amount that covers your mortgage, covers your property taxes and any other maintenance fees. And maybe a little bit more. And there are other, more hands off ways to invest into real estate. For example, I invested into the massive apartment complex. This year, I got connected with the company that was buying this property.

They needed investors to fund that purchase. So I invested. I’m getting a return on my investment, and I’m not doing any of the work. I’m not renting it out. I’m not going to have to maintain the property. I’m not going to have to sell. There are other ways. If you get creative and if you find the opportunities again, having a good network is going to be very important.


The last investment that you all have to make right now if you want to retire early and that is in your education and this is something that you need to start doing now if you haven’t started yet this post counts as education right? This is good.

You want to know how you can retire early. This is good. You already have that curiosity and that is really good. You need to be curious. You need to research, you need to learn right? And then as you learn you gain the confidence and the knowledge to start applying those learnings and making some money right. That’s really what it comes down to What I would say is without education, .without investing into learning first it’s really hard to do the other three. You can’t really do the other.

How are you going to do real estate investment without really educating yourself in that topic? So what I would recommend guys right now start educating yourself if you’re serious about retiring early or maybe you just want to live a comfortable life start educating yourself in the financial game right now. That’s going to be very important and that is why Tesla’s is so good.

Originally published at https://www.a4sheet.xyz.




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