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Build Wealth: A Simple Path to Stock Market Millionaire Status

Do you want to know how to become a stock market millionaire?

It’s much easier than you think.

Let me rephrase that, it takes a lot less work to become a stock market millionaire than you think.

In fact, the most work you do is at the beginning of the process.

Once you have your foundation laid, you can pretty much put things on auto-pilot.

How great is that?

If you take about an hour or two of your time now to lay the groundwork, you are 95% of the way to becoming a stock market millionaire.

What do I mean when I say laying your foundation?

I am talking about creating your investing strategy. You can’t be jumping in and out of the market, chasing returns and trying to pick the best time to buy or sell.

You have to have a strategy and stick to it, in both good times and bad times.

So what exactly do you need to know to become a stock market millionaire?

I’ve outlined all the steps below to help you build your wealth in the stock market.

If you are strapped for time, you can also jump to the quick summary of the steps at the end of the post.

Becoming A Stock Market Millionaire | Your How-To Guide

Step #1: Create A Plan

If you don’t have a plan, how do you know where you are going?

Better yet, how do you know you even succeeded?

You don’t.

When it comes to investing, having a plan is crucial.

Most investors jump around from investment to investment. They never see any real increase in their portfolio values so they give up investing.

They think the stock market is rigged against them.

What most of these investors fail to have is a plan. If they had a plan to follow and they followed it, they would be successful.

By having a plan, you can assess if you are on track to meet your investment goals.

Read now: Click here to learn investing basics for success

If you find you are not on track, an investment plan helps you to make changes along the way.

Here are the questions you should ask yourself when putting together your investment plan.

Don’t worry, creating your plan isn’t difficult to do.

Why Are You Investing?

The first question you need to ask is why you are investing your money.

Is it for a house, a vacation, a wedding, early retirement, a child’s college education, etc.?

If you plan on investing for more than one goal, this is OK. Write down the various goals but keep them separate and answer the following questions.

What Is Your Time Horizon?

In other words, how long will it be until you need the money you are planning to invest?

For retirement, you would tend to have a long time horizon, up to 40 years depending on your age.

But for a house or vacation, your time frame is going to be much less.

The general rule of thumb is to invest in stocks for any goal that is more than 5 years away.

Any goal shorter than this should have your money invested in bonds or in a savings account or certificates of deposit.

Read now: Learn the best types of short term investments with high returns

Below is a chart for you to follow so you know where you should invest your money.

It is based on when you will need the money you are saving.

What Is Your Risk Tolerance?

You have your goal and you know when you need the money.

Now you have to figure out how to invest it.

I mentioned above that if your time frame is greater than 5 years, you should invest in stocks. But just how much of your portfolio should be in stocks?

This is where you have to be honest with yourself.

You want to find an allocation that helps you reach your goal, but one that you are comfortable with as well.

We all want to sleep at night, right?

If you aren’t sure what your allocation should be, I suggest you check out this questionnaire from Vanguard that will help determine your risk tolerance.

One note about taking a risk tolerance questionnaire.

Make sure you focus more on the amount of money you could lose versus the amount you can gain.

We all will take more risk to earn extra money. But we discount how we will feel if we lose money.

When the stock market drops, we freak out because we didn’t assess our risk tolerance correctly.

This is why you need to be honest with yourself.

There are no wrong answers when it comes to your risk tolerance.

Read now: Click here to understand exactly what your risk tolerance is

You will find most of you should be investing in a 60% stock and 40% bond portfolio.

This allocation will allow you to earn a good rate of return on your investments. It will also allow you to sleep at night.

Should you find that 60% of your money in stocks is too risky, then reduce that to a 40% stock and 60% bond portfolio.

You don’t want to go much lower than this if you are young.

The reason is because over the long term, bonds will not offer the return you need to reach your goals.

How Much Do You Need?

Of course, you need to know how much money you need to save if you ever want to reach your goal.

For a house or a vacation, the amount you need to save is easy to determine. You know how much a vacation will cost you or how much of a down payment you need for a house.

For retirement, it’s a little bit harder.

Here is a rough calculation for you to perform that will give you an idea of how much money you need to save:

Figure out how much you spend on a monthly basis
Multiply this number by 12 to get your annual spending amount
Multiply this number by 25

The answer you get is the amount of money you need to have saved for retirement.

For example, if you are spending $5,000 a month, you multiply this by 12 to get an annual spending amount of $60,000.

Next you multiply $60,000 by 25 and you end up with $1,500,000. You need $1.5 million saved in order to afford retirement.

Read now: Click here to see how Personal Capital will figure out your retirement number for you

Again, this is not an exact number as some expenses you have today you might not have when you are retired. But it is a solid estimate nonetheless.

How Much Can You Save?

Once you know how much you need to save, you need to figure out how much you can save each month.

Don’t give up or become frustrated if you realize you can’t save as much as you need to save to meet your goal.

You have time on your side.

Regardless if you can save enough each month or not, you should make it a priority to create and follow a budget.

I know some of you hate the idea of a budget, but hear me out.

By creating a budget, you can see where all your money is going. This can be a real eye-opener for most people.

When we created our budget, we were amazed at how much we were spending eating out.

We enjoy eating out, but didn’t realize just how much we were spending until we created a budget.

After you create and follow your budget, you can better assess your spending and saving.

Who knows, you might even be able to save more money! More on this below.

Now, how do you get started with a budget?

You have 2 main options, a manual approach with spreadsheets or using apps to automate the process.

There are advantages and drawbacks of each so it is important that you look into both options to find the one that fits best with your goals.

Once your budget is set up and you see where your money is going, you can start looking for ways to save more.

In my build wealth section of the site, you will learn priceless tips that cover the following topics:

How to slash your spending by at least $1,000 a month
Over 100 simple tricks to save money
The ultimate guide to earning large raises every year
Over 50 ideas to easily make money on the side

The bottom line is, there is no reason why you cannot live within your means and still live a wealthy life.

How Much Should You Save?

Since the amount of money you need for your goals will differ greatly from person to person, you should save yourself the headaches and just strive to save a set amount of money each year.

For most people saving for retirement, your savings amount should be roughly 15% of your income.

Saving this amount this is a solid number to help you to reach your long term goals.

For shorter term goals, you can just take the amount you need to save and divide that by the number of years until you need the money.

Then divide that number by 12 to get a rough idea of how much you need to save each month.

For example, if you need $25,000 for a down payment in 6 years, you need to save $4,167 a year or $347 a month.

This calculation works best for goals less than 5 years away.

Creating An Investment Plan: Real Life Example

Here is a step by step example of how creating an investment plan would work.

Why Are You Investing? Bob wants to save for retirement. He dreams of not having to go to a job every day and instead spend his days woodworking and volunteering at the library.

What Is Your Time Horizon? Bob will need the money in 30 years. He would like to retire sooner, but after thinking things over, 30 years allows him to save and invest comfortably.

What Is Your Risk Tolerance? Bob is a middle of the road type of guy. He doesn’t like a lot of risk. As such, he is investing in a portfolio of 60% stocks and 40% bonds.

How Much Do You Need? Bob estimates his monthly expenses are $3,000. Multiplied by 12, his annual expenses are $36,000. When he multiples this by 25, he sees that he needs $900,000 saved for retirement.

Finally, Bob has to determine how much he should save.

Because he is saving for retirement, he will save 15% of his income each year.

As his retirement balance grows, he updates his progress in his retirement plan to see is progress and make any adjustments along the way.

That’s all there is to it.

Once his plan is set up, all he has to do going forward is review it once or twice a year and make any adjustments.

Notes When Creating Your Investment Plan

The example I gave above is simplified so you can follow along. When you sit down to figure out your plan, many won’t know where to start.

Ask yourself, “why is money important to me?” and write down your answers. If your answers are “freedom” or “flexibility”, you need to keep digging.

The reason is because you are only at the tip of the iceberg.

For example, you might say money offers you freedom, but what does that mean? Maybe it means quitting your job.

But why do you want to quit your job? Is it because you want to start your own business? Or maybe it is so you can start a family?

These are the real answers about why money offers you freedom.

Be sure to take the time to dig down to get to these answers.

The more specific you are with your investment plan, the greater the success you will achieve because you are aware of your motivation to meet your financial goals.

For my wife and me, freedom means that we can be more involved in our children’s lives. We won’t be stuck behind a computer at work until 8pm every night.

Also, when it comes to picking investments, you can’t jump right into figuring out what you should invest in.

You first have to ask yourself the above questions.

For some reason, when it comes to investing, we want an answer without taking into account the question.

Would you be OK with a mechanic working on your car before you even tell them why you are there?

No! You want to tell them why you are there first so they can ensure your car gets fixed and is safe and reliable to drive.

The same holds true with investing. You can’t just start picking investments and think all will be fine.

You have to first figure out your goals and create a plan.

Take the time to figure out your goals so you can put your money where it makes the most sense and in a way that aligns with your plan.

Step #2: Open Your Account

I know, it’s basic, but we need to cover it.

You have all sorts of options when it comes to investment accounts.

In fact, just looking at the many online brokers can be overwhelming.

Read now: Click here to see the best online brokers you can invest with

To keep things simple for you, I narrowed the list down to 3. These are the brokers I have found my readers love the most and find are the best to deal with.

Charles Schwab

This is the perfect broker if you have some investing experience.

You have the ability to create your own portfolios and you don’t have to worry about high investment fees.

They offer every type of investment you would want:

Stocks
Bonds
Mutual funds
Exchange traded funds

They make investing simple and straightforward with an easy to use website.

Betterment

For the majority of readers, Betterment is the #1 choice.

The reason is simple. They make investing effortless.

Read now: Click here to see why so many investors swear by Betterment

In just 10 minutes you can have a customized portfolio built for your goals and all you have to do going forward is invest more money.

And they have you automate this task, meaning there is zero work for you to do.

Many readers swear by Betterment and I am confident you will love them too.

You can click here to open your account today.

M1 Finance

M1 Finance is a new player to the broker world, but they are definitely unique.

They allow you to choose a pre-built portfolio or a 100% customized low cost portfolio of ETFs to invest in.

And they offer this without any trading commissions. With M1, you invest for free.

Read now: Click here to see why you should invest with M1 Finance

Because M1 allows you to invest in individual stocks, if you are considering investing in dividend stocks, then M1 is hands down your best option.

Click here to get started with M1 Finance.

Step #3: Set Up Automatic Transfers

Once you have your account open, you need to set up an automatic transfer into your account each month.

All the brokers I listed above allow for ongoing transfers.

If you want to become a stock market millionaire, you need to invest in the stock market on a regular basis.

You can’t just invest $1 and wait for it to become $1 million.

I say that because if you invest $1 and it grows at 8% annually, it will take 180 years until you become a stock market millionaire.

I hope you see the problem with that.

But, if you invest $100 every month and earn 8% annually, it will take you just 54 years to become a stock market millionaire.

Now we are talking!

The great thing is that I can show you how to reduce the time to become a stock market millionaire even more.

Do you want to know how to become a stock market millionaire in just 30 years?

Here’s how.

Save $667 per month and invest it in the stock market. Before you get overwhelmed with that number, hear me out.

The median U.S. income is $59,039 per year. If you make this amount and contribute 10% of your salary into your 401k, you are saving $491 each month.

That leaves you with just $176 to invest after tax.

Note I didn’t include employer matches in this since some people don’t get employer matches. If you do, then you’ll be a stock market millionaire in less than 30 years.

Set up an automatic transfer to your investment account monthly for $176.

That’s all there is to it.

If your salary differs and you want to do this yourself, here is your blueprint:

You need to save $8,004 a year to become a millionaire in 30 years.
First, save 15% of your income in a 401k plan. If you are not covered by a 401k plan, save 15% in an IRA.
Next, take you annual salary and multiply it by 15%.
Take this number and subtract it from $8,004. This is how much more money you need to save.
Take this number and divide by 12 to get your monthly savings goal.

Here is example to drive this point home.

You make $35,000 a year. Set up your 401k plan to save 15% of your salary.

Now take the $35,000 and multiply it by 15% to get $5,250.

Take this number and subtract it from $8,004. The answer is $2,754.

Take this number and divide by 12 to see that you need to save $229 a month in either an IRA or some other investment account.

By doing this you are saving $8,004 a year, which will have you become a millionaire in 30 years.

But let’s say you want to know how to become a stock market millionaire in less than 30 years.

Here is a chart I created.

It shows you how much you need to save per month based on your current age to reach millionaire status at a given age.

Your current age is found down the left hand side of the chart and your desired retirement age is across the top.

Note the figures highlighted in green. I feel that these are attainable numbers if you invest 15-20% of your income.

The great thing is if you are disciplined with saving and investing when you are young, you are almost guaranteed to become a stock market millionaire!

The key takeaway from Step #3 is to invest as much as you can on a regular basis.

I would rather be a little less comfortable now and save a lot than not save anything now and end up having to work the rest of my life.

The more you invest, the quicker you will become a stock market millionaire.

And for those reading this who want to enjoy life now, but are a little short on extra money to invest, I encourage you to check out my build wealth section to learn simple ways to make more money.

Step #4: Pick Low Cost Investments

Many people don’t realize that they pay fees annually on their investments.

Every mutual fund and ETF that you invest in, you pay a fee on. You never see the bill for it because the fee comes out of the return of the fund itself.

For example, if your mutual fund charges a 1% management fee and your statement shows it returned 5% this year, it actually returned close to 6%.

You only earned 5% of that return because of fees.

Read now: Click here to see how high fees destroy your savings

You might be thinking 5% is good because you’re going to be a stock market millionaire based on Step #3 alone!

While this is true, you can get to millionaire status faster by picking low fee investments.

And you’ll end up with more money too.

Here is an example of how costly investment fees are.

Let’s say you have $1,000 invested in a mutual fund that has a management fee of 1.25%. This is about the average for a stock mutual fund.

In 30 years after earning 8% annually, you will have paid just shy of $1,200 in fees.

In contrast, if you pay 0.30% in management fees, you will have paid about $350 in fees.

Some may be looking at the difference of $850 and not bat an eye.

While $850 on the surface might not seem like much, it is.

That $850 comes from your investment account. If you left that $850 invested, it would be able to compound upon itself and your balance would grow even faster.

Here is your investment balance after 30 years.

That $850 difference in fees ends up costing you over $2,000 in 30 years!

As your investment balance grows, so do the fees you pay.

If you have $50,000 invested, you are paying almost $60,000 in fees over 30 years by investing in a mutual fund that charges 1.25%.

If you instead invest with a fund that charges 0.30% over 30 years you will have paid just $17,000 in fees.

Here is what your investment balance looks like after 30 years.

By choosing an investment with a lower fee, you would have over $100,000 more in savings! This could mean you retire a few years sooner if you simply invest in low cost investments.

The bottom line is that fees matter.

On last point about fees.

Don’t fall for the idea that the higher fee you pay means a higher return. Investing doesn’t work this way.

Would you rather have someone wash your car for $10 or $5? Assume there was no guarantee that your car would be cleaner in either case, what would you say?

Many would still choose the $10 wash.

Why? Because they perceive an added value from the $10 car wash.

When it comes to investing, many investors make the same mistake.

They think a fund that charges a higher fee does so because it has a secret formula to earn a higher return.

It doesn’t.

There is zero in common between high fees and high returns. None. Zip. Zilch. Zero.

Save your hard earned money and pick investments with the lowest fees possible.

But what is considered a low fee?

You should not be paying over 1% in any circumstance for an investment. There are many low cost mutual funds and ETFs that you can invest in that will not cost you and arm and a leg.

Vanguard, M1 Finance, and Betterment are excellent when it comes to low fees. Schwab is good too if you pick the right investments.

This is your money. Don’t give it up so easily.

Now let’s talk about specific investments. You don’t need to go crazy and have investments that cover every sector of the stock market.

In fact, you can easily use just 3 funds and invest without issue.

Read now: Click here to see a simple guide to building your own model portfolios

If you decide to invest with Vanguard, Schwab, you will need to build your portfolio.

But with Betterment and M1 Finance, they will build your portfolio for you.

Step #5: Diversification

Risk and reward are related when it comes to investing.

The higher return you want to achieve, the more risk you are going to have to assume.

It’s the nature of the beast. By diversifying your investments, you take away some of the risk and still earn a good return.

Here is how diversification works.

Stocks tend to earn a higher annual return than bonds and are also more volatile.

What this means is that stock prices tend to rise and fall quicker and in larger amounts than bond prices do.

If you invested in just stocks, you could earn as much as 51% in one year or lose as much as 37% in one year.

With bonds, you could earn as much as 17% in one year or lose as much as 11% in one year.

Most investors wouldn’t like it if they had to choose between these two.

This is where diversification comes into play.

If you were to create a portfolio of 50% stocks and 50% bonds, your potential one year gain drops to 32% while your potential loss drops to a loss of 17%.

Of course, diversification doesn’t stop there.

There are all sorts of stocks you can invest in. Small cap, large cap, growth or value stocks, domestic or international, etc.

For bonds, you can invest in long-term or short-term bonds, government or corporate bonds, or even junk bonds.

All this diversification has an impact on your returns.

The goal of diversification is to allow you to earn the highest return with the least amount of risk.

Realize that there are limits to diversification. You can get to a point where you are too diversified.

Plus, you can’t diversify away 100% of the risk in the stock market. There will always be risk present.

Read now: Click here to see diversification magic at work

But the bigger question is if you are already investing, how do you know if you are diversified right now?

And how do you go about making some changes to help you get to an ideal mix?

You have two options: an automated one and a manual one. Let’s look at the automated one first.

Personal Capital. You create a free account and link up your investment accounts. You will get a chart that shows your current asset allocation.

In just a few minutes you will know what moves you have to make to become diversified. In addition, Personal Capital offers many other great benefits too, like fee analysis and a retirement planner all for free.

You can learn more here.

Spreadsheet: When it comes to a manual approach, your best option is an excel spreadsheet. The downside it you have to take the time to create it and then update it every time you want to see your allocation.

Step #6: Don’t Chase Returns. Stay Invested.

Chasing returns doesn’t work. When you chase returns, you cost yourself money through commissions and trading fees.

At the end of the day, you end up in a worse position than you would be in had you just stayed invested.

This is why the average investor only earns a 2% return.

Chasing returns is akin to Wile E. Coyote chasing down the Road Runner.

He does every possible thing to catch the Road Runner and every time he comes up empty.

Same idea applies here.

If you want to be a stock market millionaire, you can’t chase returns.

Don’t be Wile E. Coyote.

Another reason why chasing returns doesn’t work is because we base investment decisions off of past performance, even though investment professionals tell us not to.

Back during the dot-com boom, I made this fatal mistake.

I invested in a tech mutual fund that earned over 60% in the prior year. The year I invested in it, the bubble burst and I lost close to 60% of my investment.

I never chased returns again.

For me, slow and steady always wins the race when it comes to investing.

After the stock market collapse of 2008 many investors fled the stock market.

Some investors have come back into the market, but many investors have not come back at all.

Those that didn’t come back have missed out on one of the greatest bull markets ever.

The market is up over 300% as of this writing from the lows in 2009.

You would have made all your money back and a lot more had you just stayed invested.

When I was working for a financial planning firm, most of our client’s portfolios were back to pre-crash levels by 2012.

They were scared during the crash, but they knew they were better off staying in the market versus selling everything.

You have to stay invested in the market, in both good times and bad.

The market will drop. But it will also rise. Over the short-term, the market can be volatile.

Just look back to the summer of 2011.

I’ve never seen anything like that in my life. But over the long-term, the general trend of the market is positive.

Look at any chart for proof. The market pushes higher over time.

Source

With that said, I know it can be hard to stay invested when it seems as though the sky is falling.

Especially when the media over-hypes the situation and makes it seem as though the world is coming to an end.

You have to do your best to keep your emotions in check and tune out the “noise” as I call it.

Read now: Here is how to best handle stock market volatility

Turn off the television, don’t read the stories in the newspapers, magazines or online.

Remember that Wall Street makes money by making you trade. The more you trade, the more money they make.

Fear and greed are the two most dangerous things to an investor. You have to learn how to manage these if you want to be a stock market millionaire.

When you are feeling most worried, refer to your plan you created in Step #1. Review why you are investing the way you are and what your goal is.

For most people, it is a long-term goal, so don’t get upset over things happening in the short-term.

Finally, always remember we make things out worse in our head than they turn out to be.

The worst case scenario rarely becomes reality.

Step #7: Track Your Progress

Unless you track your progress, you will never know if you are on track for meeting your long-term goals.

Over time as the market moves, you might see that you are investing in more stocks than bonds.

This means you are taking on more risk than you are comfortable with. By tracking your investments, you can correct this so that you stay on track.

Likewise, maybe you now have more bonds than you planned on holding.

This too can be a problem since bonds tend to have a lower rate of return than stocks.

If you are investing too much in bonds, you run the risk of not earning the return you need to meet your goal.

To balance your holdings at the correct allocation, you will need to rebalance.

Read now: Here is how to rebalance your portfolio

This means selling holdings that have grown in value and buying those that have decreased in value.

On the surface this might sound counter-intuitive.

After all, why sell the holdings that are making you money?

By rebalancing, you are guaranteeing that you buy low and sell high. You take the emotion out of investing and this is a major factor in your success with investing.

Here is a quick example of rebalancing.

Let’s say your ideal portfolio is 60% stocks and 40% bonds. At the end of the year you see you have 70% stocks and 30% bonds.

You would sell off 10% of your stock holdings and use the proceeds to buy more bonds.

Now, when it comes to your retirement accounts, you can buy and sell without worry. There are no tax consequences from placing trades within these accounts.

But things get tricky in taxable accounts since you have to pay taxes on any gains you realize when you sell.

Here are the guidelines I use to rebalance:

I review my holdings twice a year, usually at the end of June and the end of November.
I look for holdings out of balance by 5% or more. This means if my 60/40 portfolio is 62/38, I don’t bother rebalancing.
For my retirement accounts, I buy and sell without question as taxes don’t factor in.
For my taxable accounts the process is a little different. I skip the buying and selling and add new money to the assets that I need a higher proportion of. So, if my 60/40 portfolio was 70% stocks, 30% bonds, all new money I invest would go towards bonds. This is until I got my portfolio back to 60/40.

Finally, as time goes on, you may realize that you need more or less money that you originally calculated.

When it comes to tracking your investments, the easiest way to track is through Personal Capital.

Read now: Click here to see how Personal Capital will skyrocket your wealth

Just link your accounts and you’ll get a detailed analysis from Personal Capital.

You will be able to quickly see your asset allocation, current balances, the fees you are paying on any of your investments, and more.

Personal Capital even allows you to customize a retirement plan and access a detailed review of your portfolio all for free.

You can get started with Personal Capital here.

Stock Market Millionaire Recap

I know this was a lot of information, so here are the steps quickly recapped and broken down for you.

Step #1: Create A Plan. Take the time to figure out what your goals are and why you are investing the way you are. This will help you to stay invested for the long term.
Step #2: Open An Account. There are a lot of brokers out there, for most people, Betterment, M1 Finance, and Schwab are your best options.
Step #3: Set Up Automatic Transfers. By investing money on a regular basis, you take advantage of market dips and grow your wealth over time.
Step #4: Pick Low Cost Investments. The fees you pay have a negative impact on your saving balance. Make sure you find the lowest cost investments so you keep more of your money invested.
Step #5: Diversification. By not having all your money tied in one investment, you lower your risk while still earning a good return. Understand though that you cannot remove all risk from investing.
Step #6: Don’t Chase Returns. Ignore returns and simply invest for the long term. A solidly built portfolio should earn you roughly 8% a year which is enough to allow you to reach your goals. When you try to chase returns, you end up costing yourself money.
Step #7: Track Your Progress. Stay on top of how your investments are performing and rebalance as needed to ensure you earn the return you need to reach your goals. Use Personal Capital to make this easy.

If you can follow these steps, you will ensure you become a stock market millionaire!

If you want more details on these steps, be sure to check out my book, 7 Investing Steps That Will Make You Wealthy.

Final Thoughts

There is your step-by-step guide for how to become a stock market millionaire. I told you that it was easier than you thought!

If you follow these steps, you will be well on your way to investing success.

I know that there was a lot of information here, so don’t feel like you need to cover everything at once.

I know that investing can be overwhelming for many people. Everyone is telling you something different.

What I can tell you is that all these tips, when used together, work.

It’s the same philosophy we used at an investment firm that I worked for. And these people had millions to invest.

I use all these tips and it has allowed my wife and me to have great success when it comes to investing.

If you feel overwhelmed, but want to start investing, I encourage you to look at Betterment. It is the easiest way to get started in the stock market and we all know getting started is the key.

As I mentioned earlier in this post, just take 10 minutes, pick a goal and monthly savings amount. That’s it. They will do everything else for you.

If you that want more detail on these steps, along with a few extra points, be sure to check out my eBook, 7 Investing Steps That Will Make You Wealthy.

By taking the time to understand how to invest, you will find success and reach your goals. You aren’t going to get anywhere without taking action.

Start investing today and become a stock market millionaire.