Tired of living paycheck to paycheck?

Wondering how much money you'd need to never worry about work again? To tell your boss, your bills, and the whole system to...

🤑 KISS MY ASS! 🖕

For anyone who's ever thought: "There's got to be more to life than this..."

Calculate Your Freedom Number

Think you can get rich, live carefree, and tell the world, "Kiss my ass!" without learning some things about money? This calculator shows you exactly how much money you'll need stuffed in a mattress to pull it off. This is your own personal quantity of
Kiss My Ass Money

👇 Start calculating the horrifying truth below 👻

📊 Calculate Your Kiss My Ass Number

1990
Age: 35
19242025
90
55 years left
35150
$75,000
per year
$25K$500K+
YOUR KMA NUMBER
$8.7M

to tell the working world to kiss your ass.

With this amount, you can afford to actually say 'that's not in my job description.'

Daunting? You bet!

This is what you'd need to stuff in a room, earning no interest, to stay ahead of inflation for the rest of your life. That's insane.

💡 The Smarter Approach

Let me introduce you to the 4% rule.

With some basic safe investments, you can live on the interest of just:

4% RULE TARGET
$1.9M

invested wisely to live off the returns forever.

🎯

What's the 4% Rule?

The 4% rule suggests you can safely withdraw 4% of your investment portfolio each year without running out of money. So if you have $1 million invested, you can live on $40,000 per year indefinitely.

⚙️

How Does It Work?

Historical market returns average 7-10% annually. Even in bad years, a diversified portfolio typically grows enough to cover your 4% withdrawal plus inflation. The math has worked for over 95% of 30-year periods since 1926.

📈

Getting Started

Index funds - Low fees, broad diversification

Tax-advantaged accounts - 401k, IRA, Roth IRA

Automate everything - Set it and forget it

Stay consistent - Time in market beats timing the market

💡

Reality Check

This isn't a get-rich-quick scheme. Building wealth takes time and discipline. But the difference between needing $8.7M in cash and $1.9M invested? That's the power of putting your money to work.

But wait, there's more!

Your money can work harder for you than this. While saving and safe investing is a great start, if you want to escape the rat race and stop making other people rich while you get by, you want ASSETS.

🚀 Building Real Wealth

💰

ASSETS

Put money in your pocket

🏠 Rental Real Estate

Tenants pay you monthly rent that exceeds your costs

🍔 Franchise Businesses

Proven systems generate income with minimal involvement

📈 Dividend Stocks

Companies pay you quarterly for owning their shares

📚 Intellectual Property

Royalties from books, courses, patents, or licensing

Money working for you
💸

LIABILITIES

Take money from your pocket

🏠 Personal Home

Mortgage, taxes, insurance, maintenance costs

🚗 Cars & Boats

Payments, insurance, gas, depreciation

💳 Credit Cards

Interest payments that make banks rich

🛍️ Lifestyle Expenses

Subscriptions, gadgets, status symbols

You working for money

Your Financial Equation

💼
+ Job Income
💰
+ Asset Income
💸
- Expenses
🎯
= Net Cash Flow

More assets = Less dependence on your job = More freedom

Wealth isn't about having a lot of money - it's about your assets making more money than you spend. Each rental property, dividend stock, or business you own is like hiring an employee who works 24/7 to make you money. Build enough assets, and your job becomes optional.

🚀 Now THAT is Kiss My Ass Money!

Build yourself some freedom. Don't grind – grow!

💡 Wisdom

Curated resources to help you on your journey to financial freedom

assets
6/25/2025

Build Lasting Wealth with Assets

• Assets put money in your pocket, liabilities take money out
• Your house is NOT an asset - it's a liability if you live in it
• Focus on acquiring income-generating assets: rental properties, businesses, stocks
• The rich buy assets first, then buy luxuries from the cash flow
• Financial education is more valuable than formal education for building wealth
• Work to learn, don't work for money - acquire skills that generate income
real-estate
6/20/2025

REITs are Real Estate without the Landlord Hassle

• REITs must distribute 90% of taxable income as dividends to shareholders
• Diversify across REIT types: residential, commercial, industrial, healthcare
• Consider both equity REITs (own properties) and mortgage REITs (lend money)
• REITs offer liquidity that direct real estate ownership lacks
• Typical REIT yields range from 3-6%, higher than most dividend stocks
• Use REITs for real estate exposure without property management hassles
dividends
6/13/2025

Dividends: When Stocks Pay You to Hold Them

• Focus on companies with 10+ years of consecutive dividend increases
• Target dividend yield of 2-4% with annual growth of 5-10%
• Reinvest dividends automatically to compound your returns
• Diversify across sectors: utilities, consumer staples, healthcare, financials
• Avoid dividend traps - companies with unsustainably high yields
• Monitor payout ratios: should be under 60% for sustainable growth
• Start with dividend aristocrats (S&P 500 companies with 25+ years of increases)
intellectual-property
6/10/2025

IP Monetization Framework

• Create evergreen content that generates royalties for years
• Protect your IP with trademarks, copyrights, and patents
• License your knowledge through online courses, books, and coaching
• Build once, sell many times - focus on scalable digital products
• Consider affiliate marketing to monetize your expertise
• Develop recurring revenue through membership sites and subscriptions
• Your experience and expertise are valuable IP assets waiting to be monetized
alternative
6/4/2025

Alternative Income Evaluation Guide

• Evaluate cash flow potential vs. initial investment and maintenance costs
• Consider location-dependent businesses: vending machines, laundromats, car washes
• ATMs generate $3-8 per transaction but require high-traffic locations
• Storage units offer steady income with minimal maintenance
• Parking lots and billboards provide location-based passive income
• Research local regulations and licensing requirements first
• Start small to test profitability before scaling up

Share the Freedom

Know someone feeling trapped in the rat race? Share this with them. Sometimes all it takes is seeing your number to realize there's a better way.

Not financial advice. Probably good life advice.