The goal is $10M in investable assets.
Investable assets: real estate market value, securities, business valuations.
Not net worth. Assets. There is a difference and it matters.
$10M is not pure vanity. It is legacy. Options. Freedom.
It is setting up my family so they never have to start from zero.
It is showing people who did not grow up around high finance that it is possible.
That is what the number means.
I am currently at $1.6M. The gap is $8.4M.
Here is what $1.6M looks like right now.
Real estate: $1.2M. Securities: retirement and brokerage: $375K. Marketable securities: $45K.
That is the foundation.
THE MATH
To get from $1.6M to $10M in 7 years requires a 30% CAGR. Every single year.
Here is what that looks like annually.
Year 1: $2.08M
Year 2: $2.70M
Year 3: $3.51M
Year 4: $4.56M
Year 5: $5.92M
Year 6: $7.70M
Year 7: $10.00M
And here is what happens if I fall short.
At 20% annually I land at $5.7M.
At 10% annually I land at $3.1M.
$1.6M to $10M — three CAGR scenarios over 7 years
WHERE IT PROBABLY NEEDS TO GO
I want to be transparent.
I am completely conjecturing here. I do not have a perfect blueprint for what $10M looks like.
What I know is it requires more than what I am doing now. And likely involves ventures I have not fully started yet.
My best guess at a $10M portfolio mix:
Real estate: $7M
Business equity: $2M
Securities: $1M
The real estate grows through better assets and better deals.
The business equity comes from ventures I am building toward.
The securities compound steadily in the background.
That is the theory. The practice is what this page is for.
WHAT I HAVE
I understand credit and access to capital. I can financially assess a deal. I have assets so I have optionality.
I am comfortable operating alone when the world is asleep. These are real advantages worth naming before talking about what is missing.
WHAT I AM MISSING
A dedicated team all working toward the same goal. Right now I hire people in silos.
No one under one umbrella moving in the same direction. That has to change.
Contracting experience or a partner who has it. I am considering flipping real estate as a new income stream.
Without a trusted contractor in my corner that remains a risk to manage carefully.
Time during the day.
Wholesaling requires phone time I do not have.
Real estate sales requires availability I cannot give.
My hours are 9PM to 1AM on weekdays and Saturdays.
That is the window I am building from.
A system. If the right processes existed today I would already be further along.
Building the system is part of closing the gap.
WHAT HAS TO BE TRUE TO GET THERE
New income streams that fit my life.
New partners who fill the gaps I have. New networks in industries I have not fully tapped.
Better risk management as the numbers get larger.
A shift in how I think and act around investing.
The test is not really the number.
The test is whether I can pull the right levers.
Build what does not exist yet.
Change what needs to change.
When you have a goal, a philosophy, an approach, a strategy and consistent work, the numbers do not look as big.
$8.4M is the gap. Closing it is the work.
"They gone love me for my ambition. Easy to dream a dream though it's harder to live it." — Wale
Blueprint Cee
GLOSSARY
CAGR — Compound Annual Growth Rate. The rate your portfolio must grow every year, assuming that growth compounds on itself, to reach a target number in a set number of years. It is not a guarantee. It is a benchmark.
Investable Assets — The total value of assets that can be deployed, grown, or leveraged toward a financial goal. Includes real estate equity, securities, and business valuations. Does not include primary residence or personal property.
