You Can Become Financially Independent or A Millionaire… Even On A Small Income

I know, you have doubts that this is possible, especially as you look at your current situation. You are…

  • Barely making enough money to survive
  • Having difficulty making ends meet each month
  • Feeling overwhelmed with debt
  • Saving little or nothing from your paycheck
  • Watching a long list of things you can’t buy
Still, you can become financially independent quicker than you think. See how this is possible in my new, life-changing book Pennies to Power.
Dear friend,

The sound of financial freedom is immensely appealing. But for people like you who feel engulfed by economic woes and cannot see a way out of their current dilemma, the appeal is nothing more than a fantasy…a fictional idea that will never come true.

But things can change. Imagine for a moment that your circumstances are different. You’re no longer being controlled by a job that you hate. Long-distant driving in heavy traffic, low pay, and bad-working environments are things of the past.

You’re now in control of your situation. Since you’re no longer bound by financial limitations, you’re able to pay off all your debt with money left over…lots of it…to do what you want.

Essentially, you’re living the life you’ve always dream about: Waking up when you want, enjoying a bike ride in the early morning hours while the air is still cool and fresh, attending every activity that your kids are involved in, and doing things you’ve always wanted to do.

You’re feeling a lot healthier these days. Much of it has to do with better eating habits, less stress on your body, and daily exercise…things that were impossible to maintain with your prior working schedule.

You’re now spending more time with friends and family. They only problem is that they’re often too busy with work and other things to enjoy your company.

And the best part is…

Your financial condition is improving daily. Because you have money saved or invested, your wealth is growing by the minute. You no longer have a need to borrow “other people’s money” (credit) to maintain your lifestyle.

You’re in the business of lending money. That’s right! Your invested funds, which are being managed by a few trusted companies, are being used as loans. This means that “other people” are paying you interests while using your money in their lives.

With the concept of compounding interest, your financial bottom line is getting larger every day, which means more financial security for you…now and in the future.

Basically, your life has changed. You’re living your dream…something that you never thought would happen: You have the option to travel the world, live where you desire, and work when you want.

The only downside is that you wish you had done this much earlier in life.

This is why Pennies to Power is written primarily for people in their twenties…young adults who are thinking about marriage, having children, and gaining financial success.

This doesn’t mean that if you’re older that you cannot benefit from the book. On the contrary, anyone can become financially independent…including YOU.

See how Pennies to Power can fixed or prevent financial chaos and pave your way to financial freedom.

Below, you will meet a number of millionaires and billionaires…some about your age and others older. No doubt, many of them used the same principles found in Pennies to Power to achieve their financial freedom.

You can do the same despite your current circumstances…

Meet a few billionaires who once lived in extreme poverty

There are people who were born into wealth, and there are those who became wealthy from extreme adversity. In fact, many of these dirt-poor individuals became some of the wealthiest people in the world.

Like Howard Schultz, former manager and current owner of Starbucks, who grew up in a housing complex for the poor. “I may have a suit and tie on now,” he says, “but I know where I’m from and I know what it’s like.” After graduating from the University of Northern Michigan, he worked for Xerox. In 1987, he bought a small coffee franchise called Starbucks and became the CEO of the company. From 60 shops, he grew the company to more than 27,000 outlets worldwide. His net worth is over $2 billion.

And Oprah Winfrey who was born into a poor family in Mississippi. After graduating from Tennessee State University on a scholarship, she moved to Chicago to work for an AM talk show which later became the “The Oprah Winfrey Show.” Today, her net worth is well over $3 billion.

So is Shahid Khan who once was a dish washer when he first arrived in the United States, working for $1.20 an hour while attending the University of Illinois. He now owns Flex-N-Gate, one of the largest private companies in the U.S. His net worth is close to $4 billion.

Then John Paul DeJoria, the man behind a hair-care empire and Patron Tequila, once lived in a foster home and his car. Before the age of 10, this first-generation American sold newspapers and Christmas cards to support his family. Later, he lived in a foster home and even spent some time in a gang before joining the military. With a loan of $700, he created John Paul Mitchell systems and sold shampoo door-to-door while living in his car. His net worth is well over $4 billion.

And Do Won Chang, co-founder of Forever 21, who worked as a janitor, gas station attendant, and Barista when he first arrived in America. While working three jobs to make ends meet, he and his wife (Jin Sook) established their first clothing store in 1984. Forever 21 is now an international empire. His net worth is over $5 billion.

Also, Francois Pinault, luxury goods mogul, who quit high school in 1974 after being bullied for being poor. He is now the face of fashion conglomerate Kering (formerly PPR), which owns high-end fashion houses including Gucci, Stella McCartney, Alexander McQueen, and other others. His current net worth exceeds $15 billion.

And George Soros who survived the Nazi occupation of Hungary and arrived in London as an impoverished college student. In his early teens, he posed as a godson of an employee of the Hungarian Ministry of Agriculture to stay safe from the Nazi occupation of Hungary. He eventually escaped the country to live with his relatives in London. Later, he put himself through the London School of Economics working as a waiter and railway porter. His current net worth is over $20 billion.

There are many more wealthy people who were once hungry, homeless, and living in their car who are not on this list…time would not permit a longer record.

Yet, the underlining message is clear: These individuals have shown that anyone can be financially independent despite his or her circumstances in life…this includes YOU!

The following group conveys a similar message, except to show that age is not an issue when dealing with financial success.

Young people who became millionaires before 20

Call them fortunate, hard-working, or something else…the reality is they are proof that there is no minimum age to become a millionaire…

Take Juliath Brindak who began creating sketched characters at age 10. Then she developed a complementary social-media platform at 16. Her Miss O & Friends company is now worth an estimated $15 million.

Sean Belnik started and e-tail shop with $600 at 16 and began selling small items such as trading cards. He then moved on to larger items, founding BizChair.com, and developing a knack for the retail market. By age 20, his net worth was $24 million.

When Adam Horowitz was 15 years old, He challenged himself to make his first million by his 21st birthday. He developed Mobile Monopoly, which is a tutorial for learning mobile marketing. He reached his goal, earning a sizable six-figure income on schedule.

Mark Zuckerberg, co-founder of Facebook, started swimming in wealth when he was a young college student. His current net worth is well over $20 billion.

Maddie Bradshaw, who was featured on Shark Tank along with her younger sister and mother, started her success by designing locker decorations using soda bottle tops. She earned $1.6 million in her first year. By the time she was 16, she had lured an astonishing three investors or partners into her enterprise.

Michael Dunlop dropped out of high school after his dyslexia teachers telling him he’d never be successful. Later, founded IncomeDiary.com. His is now generating a hefty six-figure income. While his blogs aren’t flawless grammatically, his business advice makes a lot of sense.

Abbey Fleck invented “Makin’ Bacon” designed the first microwave bacon cooking technology when she was 8 years old. A favorite on the infomercial circuit, she’s been featured on numerous talk shows. Her current net worth is in the millions.

As before, this list could go on endlessly…but I’m sure you’ve gotten the picture: It’s never too late or too early to chase your financial dreams. With some knowledge, good guidance, and a little bit of creativity, you can become a millionaire…despite your age or circumstances.

While it’s true the rich get richer, these rags-to-riches individuals have demonstrated how anyone can move from the bottom to the top by overcoming their circumstances and achieving extraordinary success.

You can be the next one on the list…

A no-nonsense approach to personal finance

Written from the same perspective that inspired these individuals and others to greatness, Pennies to Power is your doorway to financial freedom. Among other things, it will stimulate change that bring financial prosperity into your life. While reading it, you will…

  • Discover practical solutions to overcome seven (7) cultural barriers that keep most people from achieving financial success.
  • Learn how to harness your God-given abilities to design our own financial destiny.
  • Discover why most people are having difficulty saving money and how you can master the art to your advantage.
  • Know how to cultivate your present resources for maximum financial benefits.
  • Unearth an affordable way to get around the #1 practice that leads to financial failure.
  • Discover easy-to-use financial techniques to beat the economic game and win big.
  • Learn the best cash flow strategy to get ahead on a small income.
  • Gain financial wisdom beyond your age to escape the anxiety of living paycheck to paycheck.

While no one can predict the future, you can begin to shape yours today by obtaining a copy of Pennies to Power. The knowledge you will gain from its pages will help you take control of your finances and create the economic freedom that you deserve.

For a small investment of only $19.99, you can begin this amazing journey that will change your life forever.

Thanks for reading…

Tom Graneau

P.S. It’s easy to postpone a life-changing event such as this for another day, but I urge you to be proactive about your financial future. Success doesn’t happen automatically. YOU must make it happen. The sooner you start, the faster you will become financially independent.