Digital Nomad Finance Plan

  1. If I have $8,000 USD saved up, begin making plans to travel to Cebu City.
  2. If I have less than $8,000 USD saved up, stay at my sister’s place for 1-3 months working on my business. Whatever it takes to have $8,000 USD.

I just checked my bank account. I believe the best thing for me to do is to withdraw $100/week, starting Saturday, 05/28/22 and live off it for an entire week. That means spending $15/day. Given that I’m at my sister’s place, this is very plausible. Hell, I could spend far less than $15/day.

Another plan to jumpstart my business? Pitch 10 cold emails per day. After reading this post by Elna Cain, she states it’s a good rule of thumb to send 10 cold emails per day.

What Type Of Game Works on Filipinas?

Right now, I’m on Filipino Cupid to gauge how to pickup Filipina chicks online. This tells me how the interaction will be like in real life.

So far, what I’ve discovered what works is Filipinas – like Colombianas – get confused when you try value based game. Remember, I already have enough value be simply being American. There’s no need to increase it even more.

Use simplicity and directness to seduce Filipinas. For example, in text game do:

  1. Direct Opener: “You have the cutest look and I have to say hi.”
  2. Next, they say “thank you.” I respond with, “no problem hows it going [name]”

Notes:

  1. Follow this guide like the bible: https://www.playingfire.com/how-to-message-on-tinder/
  2. Be low investment as fuck. Don’t care what you write. Submit small posts
  3. Be super direct. This line works and it’s weird lol: “you should party with me when i arrive in cebu” or “you should come over when i arrive in cebu”.
  4. IMPORTANT: I have saved a dropbox filled with my good interactions with Filipinas on Filipino Cupid. Review them before I venture out to Cebu City.

What to do next as a freelance writer?

I’ve already written the four blog posts required to meet my quota. What’s next? Here’s what I’ll do in order:

  1. Get rid of my Medium article on TRT and programming.
  2. Go to the Good Man Project and read their editorial requirements. Make changes to my TRT/programming blog post to satisfy said requirements.
  3. Before I submit the article, I need to draft an author bio. I will write it on my blog before submitting it on Good Man Project.
  4. Submit the article.
  5. Once I submit the article, it may take a while to get approved. Since this may be the case, my next objective is to format my freelance writing website.
  6. IMPORTANT: Before I find ANYONE, write up a big draft of what I require.
  7. Find a web site designer and send them my requirements.

New Digital Nomad Plan

I want to leave the United States ASAP.

It’s best if I leave with 15 – 17K in the bank.

Big expendatures:

  1. Plane ticket to Cebu:
    • June 9th: $1,075
  2. 3 months rent in Cebu paid off: $900

Total initial cost: $2000

Real Estate Investment Course

Our Basic Strategy

How We Make Money In Real Estate

  1. Cash Flow: This is what I typically think of when it comes to making money in real estate. Let’s say I owe $600/month in my mortgage. However, I rent out my house for $1,500. I’d make $800/month profit. That’s an example of cash flow.
    • While we’re at it, John mentions leverage. Leverage is pretty much the amount you borrowed on a property = less cash flow. For example, I want to pay 15% down. I’d get less cash flow overall since my monthly payment is going to be higher.
  2. Principle Paydown: Principle paydown is self-explanatory. Principle is the amount you owe on a house before interest. The more you pay down your house, the more money you get overall. The reason why this is great is because if you have tenants, you’re paying off the loan without paying out of pocket.
  3. Depreciation: Depreciation is how the house ages over time. You can deduct it on your taxes when tax season comes up. You can deduct structural damage as a loss, which decreases your taxes owed.
  4. Appreciation: Specifically leveraged appreciation. This is the property value going up over time.

Buy Properties that have Good Cash Flow

Why do we need properties with good cash flow? Because it’s easier for us to make payments on the house and therefore, we get higher leveraged appreciation.

What’s important is high cash flow, low prices. I think I’ve found a few real estate assets in Sedalia which fits what John is stating.

Get Long Term Fixed Loans to Reduce Risk

We don’t want to do interest only loans, variable interest rate – no, the basic strategy is to do a very stable loan. This is usually a 30 year fixed loan. A big reason why we do this loan is because we want to reduce risk as much as possible, especially during market crashes and similar conditions.

Utilize Leverage to Grow Wealth in the Long Term

The big thing we want to do is to utilize leverage to put down as little as possible to net a little money or break even… and the long-term strategy is that over many years is that property value goes up. The goal is to get a ridiculous return rate.

However, if you want more cash flow, pay off a higher down payment (ie. 20%). If you want more leverage, pay lower down payment (10%).

If possible, try and buy a property every year.

Create Passive Income By Utilizing Management

A lot of people think real estate investment is a lot of work and maintenance. However, we can turn it into a mostly passive income if we use property management. Is is strongly recommended you do NOT manage your own property.

In John’s experience, he has to deal with property managers MAYBE once or twice a month. Even then, it’s usually a quick email or quick phone call.

Convert Leverage to Cashflow For Passive Income

What we inevitably want to do is convert leverage to cash flow for passive income. Eventually, once we get enough net worth, we want to convert these net worth properties to cash flow. We can do this in a few ways: A 1031 Exchange, sell the property and take capital gains, pay off the principle, etc.

However, for most people, it’s going to be the long-term strategy to get the cash flow from.

The reason why John says this, is because once you pay off properties, you’re still going to get a nice cash flow from rental income.

What Kind of Returns Can We Get on Real Estate

Simple Math

Most people think real estate investment is high risk. It’s not. People don’t go over the math as to why real estate investment is so good. Let’s go over it now:

You buy a property for $100k. You put 10% down. If your property goes up 3.5% per year, the amount of money you’re going to make off that profit is going to significantly outweigh the amount you put down.

Getting Started (take personal notes)

Identify Your Criteria

First and foremost, I need to find out how much I have in my bank account to invest. That is the most critical thing. If you have $20K and if you’re looking at a $200K house, you have to invest at least $20K for 10% down. But realistically, you’re going to have closing costs and other expenses.

IMPORTANT: I want to have $15K to invest starting off. This means I need to find a home that is $60K-$70K and putting down 15%-20%.

John recommends talking to a mortgage broker and look at the options. See what percentage down I could do.

For example, I could call a mortgage loan (ie. HomeReady or Home Possible) and see if I can put down 10% and let them cover the rest. I will have to do more research on them, though.

Next, find out what type of property I’m looking for. Do I want to buy a single family house? Do I want to buy a condo? John personally doesn’t care. I, on the other hand, want to start with the most common property type, which is single family house.

When John rents out a house, he prefers the bigger the deal, the better it is. His reason for that is because it takes a lot of work to buy properties. To find them -> to negotiate the deal -> to get a loan on that, etc.

For example, let’s say John has 100K to invest. He would not want to do 5 deals where he’s putting 20% or 20K down for each one. That’s too much time and effort. Instead, he’d rather take that 100K he has to invest and see if he can find one or two deals. To John, that makes much more sense.

Let’s look over the criteria again: How much money do I have to invest? What is the price of the property? What is the property type?

If John had to meet with a real estate investor he’d say, “Hey, I’m looking for a property I can put down 5,000 – 10,000 dollars. I’m looking for single family properties only. And I want them to be in decent neighborhoods, not in crappy areas.”

Remember: If something is too good to be true, it probably is.

IMPORTANT: Rely on real estate investors – NOT WEBSITES – to find properties you’re looking for.

Identify a Market

The next step after I’ve defined my criteria is to identify a market. As far as John’s preferences, he prefers investing in a local market, but remote is totally fine. This is particularly true if you’re in a big city – they’re just too expensive!

IMPORTANT: After going through a few websites, I’ve determined the best market to be Memphis, TN, Montgomery, AL and Birmingham, AL and. I’ll be buying my first property over there. They’re incredibly low price.

What I’m going to be looking for when I’m browsing markets is looking for properties close to the 1% rule. What’s the 1% rule? The rent is 1% of the purchase price. For example, if I buy a house that is 70K, the rent is $700.

Everything John is saying isn’t scientific. One thing he recommends is to STOP OVERANALYZING THINGS.

It doesn’t matter if I get the absolute best deals or not. Why? Because we’re making money off of the leverage appreciation that’s a pretty steady number we can count on over a long period of time.

Contact a Real Estate Agent

The next step after identifying a market is to contact a real estate agent. Note: This may not happen immediately since I want to save 15K before I do so.

In the market I identified, look for real estate agents in the city. If I can find a real estate agent that specializes in investment properties, that’s probably even better. However, before I do so, look at their reviews.

IMPORTANT: When I contact a real estate agent, tell them what my criteria is. “Hey, I’m a remote investor looking for properties. Since I’m starting off, I’m looking for a price point at about 50,000 – 70,000. And for a down payment something I can put down for 10,000 dollars. I’m looking for single family properties only. And I want them to be in decent neighborhoods, not in crappy areas.”

This shouldn’t be hard considering I’m investing in either Memphis or Alabama.

Be sure to ask for daily emails listing properties with my criteria provided.

To-do: Hold off on this course until I have 13K saved up. Once that happens, head back to the course and start calling real estate agents.

Niche Countries to Visit for Travel and Social Circle Game

After looking through Reddit, it looks like Kosovo (suuuuper low cost of living) and Cyprus (moderately expensive) are two great countries to run some sort of social circle game around here. Since Americans are rare and loved, it looks like I can do a lot of good being a cool guy without actively gaming. Think of it as a vacation from my PUA travels in Eastern Europe.

I will remain in either country for 1-2 months. If I like it, I’ll extend my stay.

After that, check out Georgia (very low cost of living; $850 month). Follow the same rule. Befriend locals -> do social circle.

Getting into the right PUA mindset when I return

  • Watch Californication. Binge it. And watch it over and over again.
  • Read this page: https://web.archive.org/web/20201205222353/https://www.swooptheworld.com/put-mood-charm-californication/
  • Read this page before hitting up Asia: https://web.archive.org/web/20201111223601/https://www.swooptheworld.com/asian-girls-dating-different-types/
  • For Europe: https://thisistrouble.com/dating-abroad/

Of Sith Philosophy and The Concept of Good and Evil

On Monday, 03/28/22, I watched a movie called The Theater Bizarre. Overall, it was a terrible horror flick – and one of, if not the worst, horror anthologies I’ve seen thus far. However, one segment entitled “I Love You” caught my attention.

The plot revolves around a jealous, needy husband and his adulterous wife. While the acting itself was atrocious, it taught me a few valuable lessons: Was I like that? Should I feel bad for the needy husband or learn a lesson from him?

It allowed me to reminiscence my relationship with Nicole. I was the needy one. Was I so different from the husband? Did I desire to visit Nicole more and more that I drove her away? Did I need her so much that I clung onto her like a child the last night we hung over? The answer is a resounding yes.

This lead me down a rabbit hole of sorts. What is the proper response of myself and the husband? To realize women are all around me – and if I am required to distance myself, so be it. If, to improve my standing in the Game itself, I am required to sleep with other women as to reduce neediness – so be it.

It is not evil nor good. It is what is required to succeed in pickup and life in general.

Sometimes, I must do things that society deems immoral or wrong. These things are not that. They are simply required to win. Nothing more, nothing less.

To make sacrifices in my relationship to NOT end up like the husband or the jealous boyfriend or the simp boyfriend who wails at the thought of his girlfriend leaving him.

I am reminded of the Sith philosophy. The Sith did not consider themselves good nor evil. They wanted the best for their lives and others. For some, their actions were considered cruel or evil.

Think about it – I will give a girl a wonderful experience in life. But, what is required of me to provide such a service? To live as a so-called “fuckboy” and to sleep around.

She will learn, grow, and benefit with a relationship with me.

All that is required on my end is that I sleep with other women, exude confidence so I’m well aware I have a slew of other women on speed dial, and keep my distance when necessary.

Remember: You are a winner in life. Win at all costs.

If I need a reminder of what losing looks like, look no further than the poor sod on I Love You.

Instant Gratification or Delayed Gratification? It’s Your Choice.

As I’m typing this, I’ve jerked off three times today. And I’ve done it consistently for the past five days. I feel like shit and my motivation is down the hole. My dopamine receptors are shot. Hell, I’ve been spending less than an hour working on my freelance writing business per day, despite the fact my sister and her kids are gone out of the house. I literally have no excuse but to bust out hours of good, hard-earned work.

But it’s time to get back on my feet and chase greatness over feeling good short term.

That’s the real question, isn’t it?

Instant gratification via jerking off or delaying said gratification for future glory, future adventure, foreign & exotic girls, and a successful freelance writing business.

WHAT DO YOU WANT, ADAM?

I know the answer.

It’s time to quit playing around and get to work.

From here on out, I will jerk off only once a week. That’s it. No more, no less.

Let’s get back on the narrow road to success and win.