[Life Advice for 18-30] How to Get Stupidly Wealthy

Janis99 said:

Just started reading the thread.

I love reading anything Splishsplash posts - don't get me wrong.

But the opening message gives me serious Marie Antoinette vibes (when she was told that the peasants had no bread, she replied: "Then let them eat cakes.")


P.S. I am 50, so I have lost the game before it even started.

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charla said:

"You don't make money off hype, you create it" is probably the most useful sentence in this thread.

Same logic applies outside trading. Building distribution before the demand exists is the whole play. Whether that's a PBN, an audience, or a free tool people actually use, the pattern is identical: be early and boring, get liquid when everyone else gets loud.

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splishsplash said:

This is the advice that if I could go back to when I was 18 and teach myself I would be, today, sitting on a yacht laughing at my ridiculous success.

Instead. I discovered this at 43.

That's ok for me. I'm blessed with good genetics and I have the same energy/health I had in my 20's so I can keep building, but I'll impart this wisdom on my younger friends here on bhw.

Most of you won't manage to do this though. It requires discipline and it goes against everything the influencers preach, but for the handful of you that do, you're in for an amazing life.

Here's the biggest secret that no one talks about.. (really)

You only need to compound 8-9% to get wealthy. You don't need to make 15%, 20% or higher returns.

The S&P 500 has done about 11% average over the past 100 years.

Over a period of 20-30 years you're going to get 8 to 12% with it. Likely more like 12% given the debasement of currency and the technological growth of the economy, but you only need 8%. Anything else is a bonus.

Here's your life plan:

Age 18 to 30 - You have maximum energy. This is also the worst time for men. Trust me. 40+ is the fucking time to be a man 18-30 is your prep-years. (Whether you want a wife or to be a playboy. Doesn't matter. Build and focus on you first and you'll get a super high quality wife at 30-35+ and can build a huge family with ease if that's what you want. Which imo is the best path.)

Use this time to bank hard. Don't try to grow companies.

Venture Capital is a big scam. It's slavery wrapped up in a nice box. They want your energy to make them rich.

If you can net just $2 mil by the time you're 25, here's what the numbers look like with 9% compounding :

That means, $2 mil in VOO or an S&P 500 tracker. Don't overcomplicate it. This is all you need. Banks want to sell you fancy things because they make money on them. They don't make much money on simple index's.

In 50 years, you're worth $150 million.

That means, if all you do, is bank $2mil by age 25, when you're 75 you're a deca-millionaire. And in current time's, 75 year olds are going to be like 40 year olds are today.

But here's the magic..

You keep working and banking until you're about 30. At this point, you've maxed out your VOO. Job should be done. The more you get in it pre age-30, the more you'll have later in life.

Now you might think life is going to be boring until 75.

But, you're now 30, your future is set. You know what you can do now?

Use your energy. Earn, spend, have fun. You can make $500k/year and spend every penny on lifestyle. Travel, party, drive sports cars.

By the time you're 40, your $2mil you banked in VOO at 25 is worth $7.2 million.

At this point, you can start taking loans against it. 2% is the sweet spot. You can take 2% per year for the rest of your life and never pay tax on it and never get margin called.


At 40, your 2% loan is $145k/year. $12k/mo tax free, work free, that will only increase year on year.

Want to buy a house? You can get a super low rate mortgage against your principle. The house and the principle compound.

Let's say you take a loan of $800k for a house. Your $800k keeps compounding at 9%. The house compounds at 5-6%, and the loan interest is 4-5%.

By the time you're 50, your principle is $17 mil and your tax free yearly is $344k. At this point, you own a home, have $30k/mo tax free and never have to work again. Or, you can keep hustling and making cash. Maybe you're working and making $50k/mo. You can fly private, charter yachts and have fun, all safe in the knowledge your lifestyle is secured for the next 100 years.

2% loans yearly will keep your LTV under 25% indefinitely.

By year 60, you're worth $350m and if you want you can take out a couple extra big loans for big purchases if you want.

You're 85, but you have so much wealth you've had access to all the best supplements, peptides and anti-aging medicine so you look like a 55 year old.


It's that easy.

Age 18-30 - Just earn and bank. Don't grow companies. Don't reinvest heavily into a company. If you can bank $300k-$400k/year for a few years you're good. Build a company to $1mil/year, and bank $800k/year. Don't try to grow it to $5mil/year by reinvesting that $800k. Just get to $5mil in VOO before 30 and you're good. $10-$12m by 30 and you're going to stinking rich at 60.

Everyone makes the mistake of either spending, or trying to grow a company early.

It's easy to make $1mil/year for 5 years.

It's very hard to build a company to $10mil/year. Not many can do it. You have to be truly good at business, and this takes years, which defeats the point.


30-45 - This is your earning years. You've got more skills. You can probably make $2-$3m/year at this point. Don't save it. You don't need to. Spend spend spend. Go fucking crazy. Life like you're super rich, because when you're 50, you will be super rich without working. At 30-45 you have to work to be it, which is fine.

45-50+ - Choice is yours. Spend time with the family. Be a playboy. Work. Don't work. Play WoW. Doesn't matter. You're a decamillionaire. Enjoy life.


P.S. Copy and paste this into chatgpt and ask it questions. Ask it to give you tables of year on year and ask it about LTV, how to take loans against your principle, what VOO is, what buy, borrow, die is and practicalities of what I'm saying, but most of all, keep it fucking simple. The reason this won't work is if you try to get fancy and make higher %'s or you want to sell and spend your principle. Just s&p 500. That's all you need.

P.P.S: Are you 40+ ? This won't work well. You need to build a company and sell it for $10-$12m by the time you're 45-50 and you're set. Still do-able, but you can't do it with $2m-$5m unless you can wait until 80+. If you start at 50 with $12m, by the time you're 65 your principle is like $35m. It's do-able though. You just need to build a decent company to $5m ARR and you can sell for $10m-$15m.

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casber said:

Great advice, thanks for sharing whole wisdom. I see you put a lor of time to write this post. Great work man.

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splishsplash said:

Yes, I did. Good old home grown human content with zero AI. All from my own brain/experience and shared to benefit others.

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Rally09 said:

It's really great. But what do you suggest for people who are still starting out? I have skills, really great ones but I don't seem to get someone to pay for them. I have tried freelancing and a lot of things, but didn't turn out great. Payment processors are a major barrier for me. I wanted to start selling. Maybe POD, reselling, affiliate or dropshipping but payment processors are banned in my country.
In what ways do you think I could bootstrap myself? Will really appreciate an answer

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splishsplash said:

This is the advice that if I could go back to when I was 18 and teach myself I would be, today, sitting on a yacht laughing at my ridiculous success.

Instead. I discovered this at 43.

That's ok for me. I'm blessed with good genetics and I have the same energy/health I had in my 20's so I can keep building, but I'll impart this wisdom on my younger friends here on bhw.

Most of you won't manage to do this though. It requires discipline and it goes against everything the influencers preach, but for the handful of you that do, you're in for an amazing life.

Here's the biggest secret that no one talks about.. (really)

You only need to compound 8-9% to get wealthy. You don't need to make 15%, 20% or higher returns.

The S&P 500 has done about 11% average over the past 100 years.

Over a period of 20-30 years you're going to get 8 to 12% with it. Likely more like 12% given the debasement of currency and the technological growth of the economy, but you only need 8%. Anything else is a bonus.

Here's your life plan:

Age 18 to 30 - You have maximum energy. This is also the worst time for men. Trust me. 40+ is the fucking time to be a man 18-30 is your prep-years. (Whether you want a wife or to be a playboy. Doesn't matter. Build and focus on you first and you'll get a super high quality wife at 30-35+ and can build a huge family with ease if that's what you want. Which imo is the best path.)

Use this time to bank hard. Don't try to grow companies.

Venture Capital is a big scam. It's slavery wrapped up in a nice box. They want your energy to make them rich.

If you can net just $2 mil by the time you're 25, here's what the numbers look like with 9% compounding :

That means, $2 mil in VOO or an S&P 500 tracker. Don't overcomplicate it. This is all you need. Banks want to sell you fancy things because they make money on them. They don't make much money on simple index's.

In 50 years, you're worth $150 million.

That means, if all you do, is bank $2mil by age 25, when you're 75 you're a deca-millionaire. And in current time's, 75 year olds are going to be like 40 year olds are today.

But here's the magic..

You keep working and banking until you're about 30. At this point, you've maxed out your VOO. Job should be done. The more you get in it pre age-30, the more you'll have later in life.

Now you might think life is going to be boring until 75.

But, you're now 30, your future is set. You know what you can do now?

Use your energy. Earn, spend, have fun. You can make $500k/year and spend every penny on lifestyle. Travel, party, drive sports cars.

By the time you're 40, your $2mil you banked in VOO at 25 is worth $7.2 million.

At this point, you can start taking loans against it. 2% is the sweet spot. You can take 2% per year for the rest of your life and never pay tax on it and never get margin called.


At 40, your 2% loan is $145k/year. $12k/mo tax free, work free, that will only increase year on year.

Want to buy a house? You can get a super low rate mortgage against your principle. The house and the principle compound.

Let's say you take a loan of $800k for a house. Your $800k keeps compounding at 9%. The house compounds at 5-6%, and the loan interest is 4-5%.

By the time you're 50, your principle is $17 mil and your tax free yearly is $344k. At this point, you own a home, have $30k/mo tax free and never have to work again. Or, you can keep hustling and making cash. Maybe you're working and making $50k/mo. You can fly private, charter yachts and have fun, all safe in the knowledge your lifestyle is secured for the next 100 years.

2% loans yearly will keep your LTV under 25% indefinitely.

By year 60, you're worth $350m and if you want you can take out a couple extra big loans for big purchases if you want.

You're 85, but you have so much wealth you've had access to all the best supplements, peptides and anti-aging medicine so you look like a 55 year old.


It's that easy.

Age 18-30 - Just earn and bank. Don't grow companies. Don't reinvest heavily into a company. If you can bank $300k-$400k/year for a few years you're good. Build a company to $1mil/year, and bank $800k/year. Don't try to grow it to $5mil/year by reinvesting that $800k. Just get to $5mil in VOO before 30 and you're good. $10-$12m by 30 and you're going to stinking rich at 60.

Everyone makes the mistake of either spending, or trying to grow a company early.

It's easy to make $1mil/year for 5 years.

It's very hard to build a company to $10mil/year. Not many can do it. You have to be truly good at business, and this takes years, which defeats the point.


30-45 - This is your earning years. You've got more skills. You can probably make $2-$3m/year at this point. Don't save it. You don't need to. Spend spend spend. Go fucking crazy. Life like you're super rich, because when you're 50, you will be super rich without working. At 30-45 you have to work to be it, which is fine.

45-50+ - Choice is yours. Spend time with the family. Be a playboy. Work. Don't work. Play WoW. Doesn't matter. You're a decamillionaire. Enjoy life.


P.S. Copy and paste this into chatgpt and ask it questions. Ask it to give you tables of year on year and ask it about LTV, how to take loans against your principle, what VOO is, what buy, borrow, die is and practicalities of what I'm saying, but most of all, keep it fucking simple. The reason this won't work is if you try to get fancy and make higher %'s or you want to sell and spend your principle. Just s&p 500. That's all you need.

P.P.S: Are you 40+ ? This won't work well. You need to build a company and sell it for $10-$12m by the time you're 45-50 and you're set. Still do-able, but you can't do it with $2m-$5m unless you can wait until 80+. If you start at 50 with $12m, by the time you're 65 your principle is like $35m. It's do-able though. You just need to build a decent company to $5m ARR and you can sell for $10m-$15m.

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splishsplash said:

People skills.

Your voice.

Your confidence.

The ability to sell.

Certainty. <-- This is everything. It comes across in your voice. Your posture. Everything. People can also see your posture through the phone. The brain is very powerful.

reselling - trash

POD - super trash

affiliate - Forget this unless you're 10 years in the game with teams, experience and connections.

Dropshipping - Beyond trash.

And influencer - Every teenager on the planet, every boring fucking person around wants to be an influencer.

Don't do what everyone else is doing.

What no one wants to do is get really fucking confident over the phone.

Trust me. Get good on the phone and you will succeed. Get good in person. This is your secret weapon in 2026 and beyond.

Some accents are better than others, but it doesn't matter if you have an Indian, Nigerian or whatever accent. People hear the certainty and confidence in your voice.

And you can do voice training to improve your speaking. I'm lucky that I was blessed with a Scottish BBC style voice, but you CAN do voice training to improve your speaking. You would be amazed at what's possible. With enough work you can train your voice to sound absolutely delightful.

But the key is CERTAINTY. Good energy. Confident. Authority. Certain. Positive. Helpful. A get-up-and-get-em type character.

Focus on this. You will succeed in life if you do this.

And model the way you speak on how the British speak. Can be American, but upper middle class British, BBC British is what you want. Not upper class, that's too much. You can touch it a little, but you don't want to sound like King Charles ;-)

Study the way the British speak. The language and words they use. It's the most universal and liked in business globally.

ie.. Never, ever ever ever fucking call someone "sir".

And mirror the person you're speaking to.

If I'm speaking with an English guy I'll say 'mate' a lot.

If it's an American I use 'buddy' a lot.

If it's a more refined older man I'll use only his first name.

If it's a peer, someone you're shooting the shit with. Bro it up.

If they swear, you can swear.

If they don't swear. Don't fucking swear.

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r2150523 said:

Not everyone has tendency to think of 7 figures annually. For most 6 figures annually is enough. And almost everything you've listed can get you there.

And I'm sorry if it sounds rude, but what am I supposed to sell if I eliminated everything after coming to conclusions everything is trash?

Succeed in life? Most of us lost with you at the beginning. Get good on the phone in English being from 3rd world country and speak to corporate America... okay, how much training? 10 years and still zero progress.

You're just lucky..Admit it. And to me it seems you don't understand how you got there..You can't remember 20 fcking years of your life.

Wait a second... this thinking matches being a good onlyfans girl. Do phone calls. Get them horny. Is that what we speak about here? It seems so because I don't see what we sell here other than time.

Phone is good for scams and getting people horny. But it's bullshit. Nobody needs to use phone in 2026 unless you speak with some old farts... hahaha!

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Janis99 said:

Just started reading the thread.

I love reading anything Splishsplash posts - don't get me wrong.

But the opening message gives me serious Marie Antoinette vibes (when she was told that the peasants had no bread, she replied: "Then let them eat cakes.")


P.S. I am 50, so I have lost the game before it even started.

Click to expand...

splishsplash said:

You don't know a thing about me.

This is what you've done :

You started from a place of despair, hatred for the world, hatred towards money and lack of hope.

Instead of deciding to improve yourself, you run with your hate and use the forum as an outlet.

You create stories that justify your hate so you can continue to spew more hate.

It's a cycle, where at the end of the day, you feel satisfied that you were right.

And that little bit of satisfaction energises you for another day of hate.

The entire story you created in your head about me is your story. It isn't real.

I won't tell you my actual story, because it doesn't matter.

All I'm doing here is shining a little truth on your patterns from a place of love so that the part of you that's real might awaken.

And if something in you does want to change, the thing you must realize is:

It's not a competition. Everyone is unique.

Everyone has vastly more potential than they realise, including you. That potential is dormant under the weight of your negativity right now.

You may have it much much harder than me, but what you don't realise is that you do have the power to reach the same heights that I do if you can shed the despair.

Best of luck to you.

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r2150523 said:

You trashed all common internet marketing business models potentially insulting 90% of community right here.

Then you went with Jordan Belfort advice from famous movie Wolf of Wall Street.

You forgot to explain what that magical phone would help to sell when I grab the phone and start dialing.

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r2150523 said:

Then you went with Jordan Belfort advice from famous movie Wolf of Wall Street.

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splishsplash said:

The difference is, I'm not telling you to do sales in 2018. In 2018 I'd tell you to do fb ads, webinars, ecom and dropshipping.

In 2010 I'd tell you to do affiliate marketing.

In 2026, I'm telling you the way to stand out is getting good on the phone.

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