How I Went From $0-$200,000 in The Stock Market Before Age 25 (Step by Step)

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Today I tell you an old-school story about how I went from nothing to over $200,000 in my stock market account all by the age of 25. I hope this story inspires many and teaches how I pulled this off. I think what I pulled off is possible for many people who have a crazy work ethic and determination young.

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I found a certain individual came on CNBC one day might have had, I don’t know $2,000 or $3,000. So in November 2010 I get a job at a place that really changes my trajectory. Okay, and every time I used to start the car up the belt was squeak like so loud.

I was living really cheap Oh to eat like tone Tinos, pizzas in like ramen noodles and stuff like that, like, Well, good day subscribers. Hope you guys are having a great day out there. As always, today, I’m going to go ahead and share an old story about how I went from nothing to $200,000 in the stock market before I was age 25.

This isn’t a story I’ve shared in probably two and a half years or so on the channel. And we get so caught up in like what’s going on in the market at a particular time, like what’s going on with this stock? Oh, my gosh, did you see what happened with Tesla’s stock today?

Oh, I just made this $10,000 buy order and all these sorts of things that are going on. Like sometimes I forget about my past and like storytelling on a lot of these stories that like either inspire people or teach people about, you know, things I’ve been through in the stock market, how I did different things.

And I found a story like this actually inspires a lot more people, because it is much more realistic than like the life I live today. Like being a big YouTube person and whatnot. And having all these subscribers and whatnot like this is very hard and very unrealistic for most people to pull off.

However, going from nothing to $200,000, when you’re in your 20s, I very much think that is a possibility. I’m going to share step by step exactly how this happened. And I think if you work really, really hard, and you have the right mindset, I think this is absolutely something that everybody in their 20s can pull off.

As long as you start when you’re 18 or 19 years old, and you grind on it. And you work super hard at it. I think this is absolutely something everybody can achieve. Because I didn’t do add in like make crazy money at any of this time. And what you’ll find out is like I’m like, my peak was like making 50 or $60,000 a year wasn’t like I was making crazy money or something like that.

So I think a lot of like what I’m doing nowadays is much more unrealistic because of what YouTube has brought me and whatnot. So I hope you guys enjoyed this story. I hope you learned a lot from it. And more than anything, I honestly hope it inspires you to get to wherever you’re trying to go over the next five to 10 years, guys.

So make sure you hit that thumbs up if you enjoy me sharing this with you and let’s start getting into it. Okay, so my money life starts when I was 18 years old, okay. And I feel like this is when everybody’s money life starts basically right? after you graduate high school, you start figuring out, am I going to get a part time job?

Am I going to like get a full time job? Am I going to go to college? What am I going to do and you start paying attention to money more, okay, whereas in like high school, and before, it may have been like, okay, you just needed some money. So you can go to the movies or something like that, or so you can like pay your cell phone bill. But there was no thought about like getting more money or like building money or something like that.

I think that’s just common for most of us, at least when you’re in high school and whatnot. So my money life starts when I was about 18 years old, okay. And what else started was basically I went to community college. Now the only reason I went to community college in the first place was to run track, okay, if it wasn’t for track, which I started running my senior year of high school.

I probably wouldn’t have even like, went to college at all, okay, but I wanted to like try and make it as like a track athlete. And I thought it was really fun and whatnot. And I talked to the coach, senior year high school, I met him at like the last track meet of the year, I happen to meet him there. And he was interested in me of being like a 400, meter runner and whatnot.

And I was like, Okay, this is pretty cool. You know what, I’m going to go ahead and I’m going to do this. So I entered Community College. And at first I had to pay for all out of pocket. Okay, now just kind of tell you a little bit like later on down the road, I did end up getting a part scholarship for running track, ended up earning that and you know, earning my way on the team and whatnot.

But at first I had to pay for all the courses and whatnot. And then when I was in community college, I happen to take some business courses. And I really found like, that was my niche, like, that was what I was interested in business building, like investing all these sorts of things, money related things I really gravitated towards.

And I found that even though I was a CMD student in high school, which you know, you pretty much don’t do any business courses or money related courses in high school and whatnot. Right? I found that in college, when I was doing these business courses, I was getting A’s.

Like if I got a bad grade in one of these business or money related courses, it was like getting a B like I was finding like I was getting A’s in these classes. And it’s like, okay, science class, I get a C or D and then I go over here to this business related class or investing related class or accounting or something like this, and I’m getting B’s and A’s.

What is going on here obviously my interest level obviously my attention span is much different. When we’re talking about money comes into the subject rather than just this other stuff over here. This science stuff math, social studies, history, these sorts of things aren’t my forte, but if it’s got something to do with money, okay, now I’m very intrigued now I’m very interested.

So my attention span was just different okay, but track is honestly what even got me to like, be interested to go to community college. Okay, so I go to community college start running track at 18. And I also start doing like part time jobs. Einstein bagels was my first job. My brother got me a job there.

I was making like $7.50 an hour so just above minimum wage, I think minimum wage in Arizona at that time, which by the way I was living in Arizona, the minimum wage was like $7.25, or something like that. So I was making like barely above minimum wage. And then I went ahead and applied at Walgreens was my brother also had a connection at Walgreens.

And I was able to get started there for like, 825 or something like that. Or maybe it was $8 an hour. So I was making like 75 cents, or maybe $1 over the minimum wage. And I thought that was awesome. Okay, like, that was pretty awesome. At that time. It was 18 years old going in and 19. And so I started coming into money, and I’m like, Okay, what am I gonna start doing with this money because.

I was living with my parents, like most 1819 years old, and you know, I’m making this little bit of money. So I started, like, you know, having a little more money than basically what I was spending. So it was like, What am I gonna do with this money? I think I had, like, $1,000 saved or something like that.

So I started looking into like, how to grow money, because my mind was already on like, compounding and growing money. And I’m not sure how that came to me might have been natural. And maybe I heard something in my business classes or accounting classes or something about you know, compounding money, but my mind start going to Okay, how do I grow money?

There’s, there’s ways you can grow money. There’s ways you can invest as ways people make money without actually having to do physical work and stuff like that. How are these people doing it? So I started looking into things. Keep in mind, this is like 2008 2009, like timeframe?

Okay. So this is like the Great Recession going on, like, obviously, you know, tons of people are losing jobs every day is there’s negativity around the economy and things like that, like, that’s just what the moment was at that time. Okay. And so I started looking around, like how to invest and I found real estate prices were super cheap, especially in Arizona, like in Arizona, that was one of the markets that got hit the most by the great recession.

So houses literally like a lot of houses dropped over 50% of their value from where they were at the peak of like, 2006 2007, to where they’re at, in like, 2009, a lot of these homes had dropped like 50% and was absolutely crazy. Okay, so I was looking into like real estate investing, but I just flat out didn’t have enough money.

And then banks weren’t loaning any money at that time, like banks were like, completely dry at that time, especially trying to loan money to some 1819 year old, who’s never done real estate investing before, give me a break. That’s not going to happen.

Okay. So real estate investing, although it looked awesome, because houses were so cheap, it was very unrealistic for me because I couldn’t get loans for homes. And also on top of that, I didn’t have any money to like do a downpayment, even on a real estate property. Okay, so then I started looking into like savings accounts and things like that. And I’m like, well, maybe I can grow my money through a CD account savings account.

So I went to the bank, I think it was Chase, bank and whatnot. And I looked at like their CD account rates and their savings accounts rates, and they were absolute joke, the CDs, you had to lock up money for a certain amount of time. And you hardly even got like a percent or percent and a half on your money.

And then savings accounts, were literally pretty much like you minds, just have your money in a checking account, like you pretty much almost didn’t get anything on a savings account. those particular times like the banks, were just giving absolutely nothing on savings accounts like you even today is what 2019 and banks hardly give anything on savings accounts.

Back then it was like 10 times worse. Okay, if you could find a half a percent savings account a half a percent a year, like that was great in 2008 2009. Okay, it’s just the way it was. Okay, so real estate was out savings accounts were out bonds, I kind of looked into that, that wasn’t something that interests me.

I came across stocks in that kind of interest me because I was like, I’d always been fascinated by stocks, even as a young kid and whatnot, like seeing like the tickers go across you know, and whatnot. And just seeing stock prices and the stocks moving up and down. It always been something that intrigued me. And I looked at this.

I’m like, you know, what I $1,000 in the stock market, I could actually grow that I could actually buy some shares in stocks. It’s realistic. Let me start looking into the stock market. Okay. And when you start looking at the stock market is really freaking confusing.

Okay, there’s all these terms you don’t know, there’s all these different strategies, you’re getting like a gauntlet of different strategies thrown at you. And this person looks at this thing. And this person looks at this thing. And this person values the stock this way.

And this person looks at this technical chart, and they’re using all these terms that you’re like, what is if net income earnings per share, beta, balance sheet, income statement, cash flow, what is all this stuff you’re just like, it’s like learning a foreign language like learning the language of money learning the language of stock market investing is literally like learning a foreign language like you just completely lost.

And so my first couple months of looking at the stock market, like I was making progress, but I was ultimately just a confused individual trying to buy stocks. Okay, I was like, I don’t know what to look for. This is so confusing. Until one day, I was watching CNBC and I was watching CNBC because I noticed that like.

I could pick up more and more terms, the more I watched, like CNBC, like and by the way, I’ll suggest, like anybody that gets into the stock market, like you know, watch financial channels, whether it be on YouTube, or whether it be on TV or something because the more you’re just like, like hear these terms, or whatnot, the faster you’ll learn them and you’ll start picking up on things and you’re like, Oh, that’s what they mean when they talk about this thing.

Okay. So I was watching a lot of the CNBC channel trying to learn I think I was watching Jim Cramer back then and people like that, okay. And ultimately, I was Still a little confused, okay, I was getting on the right track, but I was still confused. And then I found a certain individual came on CNBC one day.

And it was an older guy who’s like in his 80s. He was this guy, and I was one of the richest guys in the entire world. And the way he spoke was, it just made so much sense. And he just exuded so much confidence. And he was like, This all shucks guy. He was so unbelievably rich.

And he just like it just made sense. And he had so much confidence. And everybody at that time on CNBC was coming on, and it was just negativity, negativity, this is a great recession. Okay. And so everybody coming on, we’re just like, talk about fear. And old discussions were let around fear and like, could things get worse and all these sorts of things, this guy named Warren Buffett comes on, and he just exudes confidence.

He’s like, yeah, everything’s gonna be okay, we’re gonna come out of this, we’re gonna make a lot of money. That wasn’t really the way he put it. Those aren’t really his words, but like the gist of it was those were the his type of things, okay. And the way he explained stocks and start talking about stocks.

I was like, This is making sense, okay. And here’s this guy, one of the richest people in all the world. And he’s making this sound so much simpler than all these other individuals that have been on this channel that I’ve been watching for months and months. And so I start YouTubing this individual, Warren Buffett, okay.

And at first I remember I couldn’t even spell his last name, right? Oh, I spelled his last name wrong. So I finally learned how to spell his last name, right, and started watching YouTube videos. And YouTube at that time was a very different place. Okay. And so a lot of like, interviews of him were like people like filming from like, I don’t know, a DVD or filming from like a camera of their, like television or something.

And then posting on YouTube, there was a lot of these weird different interviews out there, or different things that he he had done in the past, and like the 90s, or the early 2000s, where he spoke to colleges. And then people later uploaded those on to YouTube and whatnot. But there was a lot of content actually, on this Warren Buffett individual.

So I started looking into everything that could possibly ever be posted about Warren Buffett on YouTube, okay, I start looking at everything, most recent stuff, stuff that was done in the past, once again, YouTube only been around for like three or four years at this particular time. And I just started learning exactly like what he was looking for him by watching all these different interviews.

I started piecing together piece by piece, exactly like his framework for investing, then he would always talk about this book called the Intelligent Investor, I went ahead and I bought that book. And I started reading that book. And slowly but surely.

I was starting to piece everything together on how Warren Buffett looks at stocks, how he judges a stock, a good stock versus a bad stock, a good business model versus a bad business model, and all these sorts of things. And through watching, you know, hours upon hours, if not days and days worth of content, I was able to piece together his framework for investing.

And this is when things started to get fun, because everything started to make sense, what a stock represented start to make sense what the stock market represents start to make sense, how to pick stocks, how to look at stocks, how to judge investments, all this started to make sense, on top of having confidence in myself for the long term investing, rather than all this fear and mumbo jumbo that everybody else was preaching on.

CNBC in these different networks about why you need to be scared, why you need to be worried why we’re going to have another recession on top of the recession, we just had an all these sorts of things. And I started growing confidence from this, okay. And I started actually having some focus and knowing where.

I was going, Okay, so from 19 to 20, I basically started implementing what he was doing, and I slowly grew my Okay, I slowly grew money. And you know, these are early days, and I wasn’t making a lot of money. So it was hard to grow money, I might have had, I don’t know, $2,000 or $3,000, or something roughly, basically, in my stock market accounts.

So I was slowly growing, growing, growing, but it was very slow growth, okay. And then I got a job that changed my life on November 6 2010, I started this job. And this job completely changed my trajectory on how fast I could grow money. And with this gentleman’s philosophy, and with the money.

I was gonna start making from this job, it completely changed everything for me, let’s get into that part now. So in November 2010, I get a job at a place that really changes my trajectory. Okay, this is my attract back from back in the day. But it’s this company named Kwik Trip, okay, in 2010.

Not sure if you guys can see the badge or not. But I get a job at this place in 2010, November 2010. And this really is when I was able to start ramping up things. Okay. So basically, I was looking to like, make more money, I was looking for a better job, Walgreens at that time, I couldn’t get promoted there. They had like a hiring freeze on assistant managers and whatnot.

And I thought because I was in retail, I had confidence that I could maybe become an assistant manager somewhere. So one day it was at Kwik Trip and I saw it like they had this banner on the front door and it was like we start, we hire assistant managers starting at like 39,000. And so I was like, Okay, this seems interesting.

Okay, I mean, here I was, I was making like, I might have got bumped up to like $9 an hour, $9.10 an hour or something like that. Walgreen’s. So you start talking about 39,000 a year. Okay, now I’m really, really, really interested. Okay? So I go ahead and I apply for this place. This is like probably in October of 2010, you know, do the interviews and whatnot.

And sure enough end up getting the job started in November of 2010. And, you know, that is a lot of money to be making when you’re that young. And when you just like it’s in the recession time, like, there aren’t many good jobs at all, like that paid decent at that time, like most people were losing their job, if anything, or like seeing them salaries go down.

And here we are seeing a huge bump up, okay. And so what this went ahead and allowed me to do is it allowed me to start investing one to $2,000 per month, okay, so I was able to start funneling some real money into my fidelity account. Now, my fidelity investment account, like one to $2,000 pretty consistently.

I’m still living with my parents for like the first six months or maybe seven months of actually working out that job. Okay. Now I want to head on moved out of my parents house, it was around like may or maybe june of 2011. I remember, it was so hot, it was a summer day. And man, we were sweating on that day, okay, I was age 21.

And this is when I was able to be on my own and I had to start paying my own bills. I got like a nice one bedroom apartment kind of by the Arizona Cardinals stadium. And it was pretty new at granite countertops, like I definitely like enjoyed the place, it was definitely you know, a good start to things because usually when people move out of the parents, they usually have to have roommates, or they don’t really like live in a nice place.

Like this was a really nice apartment, one bedroom started paying all my own bills and you know, got to become a real adult, okay, you don’t become a real adult till you start paying your own bills, and you’re on your own. Okay, so that was definitely awesome. Okay, so after seven months at Kwik Trip.

I ended up basically getting moved to like one of the highest bonusing stores, literally pretty much on the west side of Arizona, if not, you know, in the whole state of Arizona, essentially. Okay. And this bumped me up to making like 50k per year now because this store bonus so much money. And on top of that I was getting like I think a quick trip at that time, you got like a six month raise, and then like a one year raise.

And so I ended up starting to make like 50k a year at Kwik Trip because I was at this high bonusing store. Okay, so now I was able to start funneling 1500 to like, all the way up to like 2500 per month, depending on how much the bonus check was and whatnot into my Fidelity Investments account.

Okay, so now we’re starting to really build this account, because we’re starting to get some stock gains, we know what we’re starting to look for in stocks as investments and whatnot, we’re starting to get gains and then we’re putting a lot of money into the account at that particular time.

Because keep in mind when I started Kwik Trip, like maybe we had two or three or maybe $4,000 total, in our particular accounts like now, you know, we’re we’re starting to put a lot of money in that account each and every month consistently. And I was able to you know, I lived in a nice place.

I still kept expenses very low at this time. Okay, very, very low. Like I was still driving around in like a Hyundai Elantra that had 100 and I don’t know 30,000 140,000 miles or something on it. And every time I used to start the car up that the belt was squeak, like so loud and whatnot.

And keep in mind I’m making 50k plus per year and like I’m making good money, and I was still living outside of the place actually lived in outside of that. I was living really cheap Oh, to eat like 20 nose pizzas in like ramen noodles and stuff like that, like I was eating really cheap.

I was living on, you know, a shoestring budget for the most part. And other than living in a nice apartment, like I was living very, very cheap, okay. And so that’s why I was able to funnel so much money into my accounts constantly. Okay. Then, in late 2011, slash like, early 2012, my girlfriend moved in, who by the way, ended up becoming my wife nowadays.

And she started paying some of the bills, she took some of the bills. And I was basically able to at that point to start putting at least $2,000 per month into the stock market almost every single month because we were still living in a one bedroom apartment, I was still keeping expenses very low, and I was making good money.

So pretty much every single month I was putting like a minimum of $2,000 into my account. And with that money, we were going ahead and starting to get the gains really rolling some of the stocks I remember at that time that we were making really big gains on around that 2012 2013 like time horizon was Trinity industries Cabela’s monster beverage, which at that time used to be called Hanson’s natural beverage.

They didn’t change her name to like Monster Energy Corp till I think it was like 2014 2015 or something like that. But it used to be called Hanson’s natural beverage Corporation was monster and no there was other stocks on top of that but those were some of the stocks that.

I really remember like getting huge gains and those were the initial really big confidence builders like I had some small gains before that I was making dividend money and I had you know some stocks I made like 5% on 8% on 12% on but I didn’t really have any of those really like Grand Slam stocks where you get a 30% gain, a 50% gain and 80% gain like start making huge money start seeing your money like double up and whatnot.

Those were my first stocks that really told me Hey man, all this work you’re putting in all this research work and whatnot is is worth it because you can make a lot of flippin money from the stock market okay and you can really see your money grow if you make the right investments, okay.

So we really start getting the gains rolling, still putting in a, you know, good amount of money every single month, we moved out Charlotte, North Carolina wanted to help the company expand out there was a new market at the time for the company, I was working at Kwik Trip, I saw this as an opportunity to learn more about business how a business expands in another place.

And I also looked at it as I could get promoted faster up the ranks at that time, my goal was kind of like to become a store manager, and maybe you know, after a store manager, a training manager that’s, you know, trains, new store managers, and then maybe after that a supervisor that basically looks over 14 to 16 stores and things like that.

So that was kind of my goals at that particular time. So we move out Charlotte, North Carolina, and that puts us in the best position possible to do those sorts of things. Okay. Meanwhile, I’m reinvesting all the stock gains, I get all the dividend gains I get, I think the only time the only time.

I believe during this whole time that I actually took out money out of my accounts, and like bought stuff with it. I think the only time I ever did that was when I moved out of my parents house because I had to get like you know, the stuff you have to get when you move out of your parents house like a couch in like a bed in you know, a dining table and all those sorts of things.

I think that if I recall, that was the only time I ever took money out of my stock market account to buy stuff. And then that time, like all these stock gains, I was getting all the dividends I was getting, I was putting that money right back into stocks. I was compounding the money I was building I was building I was building. And that’s the whole focus.

And by the way, today, Okay, I’m gonna turn 30 years old soon, okay. And it’s still the same strategy today. The all these years later, still the same strategy, I don’t pull money out of my accounts to go buy stuff with it. I reinvest all my gains, I reinvest all my dividends, it’s the same thing as it was way back then. Okay.

And so I was doing all that. And by the spring of about 2014, for the first time we hit over $200,000 in our account, okay, that was the first time ever and that was pretty freakin cool thing. Okay. And that is literally exactly how I did it, you want to break it down, I researched exactly what to look for in stocks, figure that out, so I can start actually building my money into building money, get a decent job.

Like I said, a quick trip the most ever made was maybe like 60,000 or so when we’re working out in Charlotte, North Carolina. Most the time I worked at Kwik Trip, I made like 50k a year, that’s not killing it, that’s having like a decent job, okay, there’s no other way to put it, that’s having a decent job.

Keeping expenses low, putting as much money as possible into my fidelity account building that building that getting gains constantly reinvesting those gains year after year after year. And we get to $200,000. It’s as simple as that. It’s not a complicated game. Okay. This is not a complicated game of like building money.

It’s not an impossible game. It is absolutely something that can be can be conquered. But keep in mind, a lot of work had to go into this quick trip, it was a lot of work. It was a lot of stress, managing stores and learning all that and whatnot. It’s a lot of work to research companies. Okay, keep in mind, it wasn’t like I was just throwing money at stocks hoping they go up. I was researching every single night.

If I got done at Kwik Trip, I was reading annual reports, I was listening to conference calls, I was doing all sorts of things. And I was working 46 to 48 and a half hours per week while I was working at Kwik Trip, okay, so it’s definitely a lot of work. If you want to get to do something like this, where you got, you know, several $100,000 in your stock market account.

And when you’re in your 20s, you’re going to need to start young, 18 1920 years old, maybe 21 at the latest, and you’re going to need to work your behind off okay, or you could just like if you’re just killing you make a ton of money from something, then you can obviously get there pretty easy.

But you know, most people it’s unrealistic to make six figures in your 20s from the like 98% of people okay, 98 99% of people are not going to make six figures a year of income from a job or something like that or from even like if they start a business so being that that’s unrealistic for most folks, the most realistic route is you get a decent job that pays 40 to 60k per year, you keep your expenses low.

You put as much as possible into your brokerage account, you get gains on that because you do the full research on companies, you know what to look for, you reinvest that money you build and build and build and build and you’re gonna absolutely get a lot of money and then when you have that type of money.

If you have a couple $100,000 in your 20s you’re setting yourself up to maybe have a half mil or maybe a mil plus in your 30s Okay, and then things start getting real real fun. All right, so anyways, hope you guys enjoyed this as always me kind of sharing the story with you make sure you smash the thumbs up button and let me know what your goal is.

By the time you wrap up your 20s if you’re in your 20s if you’re older in this watching, let me know what your goals are over the next five and 10 years. I would love to hear from you guys in the comment section. As always share this video with somebody that you know loves inspiring stories like this and whatnot. Thank you for watching and have a great day.

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