Why You Should Invest 40% of Your Money and Watch It Grow

Why Most People Never Build Wealth

They spend everything they make.

Or they “save” it.

Only to let it sit in a checking account losing value every month.

No plan. No system. That’s how average people live.

And average people stay broke.

I’m not here to shame anybody for being broke.

But if you’re reading this, you already know something’s off with that approach.

Because if money isn’t growing, it’s dying.

And that’s why I started setting aside 40% of my income for investments.

It sounded insane at first. But over time, it became the single most important decision I ever made.

Here’s why the 40% rule works, and how to pull it off without wrecking your lifestyle.

You Won’t Save Your Way to Wealth

Most people think saving money is the path to financial freedom.

It’s not.

The average savings account pays less than 0.5% interest according to the FDIC.

That means if you stash $10,000 in the bank, you’ll earn about $50 a year.

Meanwhile, inflation is rising faster than that, with the CPI climbing over 3.5% in 2024.

So your money is actually losing value.

This is why I don’t "save" in the traditional sense.

I invest instead.

Because if your money isn’t multiplying, it’s slowly dying.

Investing 40% Forces You To Think Like A Producer

When you commit to investing 40%, you automatically start thinking differently.

You stop seeing money as something to spend.

And start seeing it as something to deploy.

You start asking better questions.

How can I make my money work harder than I do?

How can I stack more skills, create more value, or build something that compounds?

That shift in identity—from consumer to producer—is where the real wealth begins.

And it happens fast when 40% of your money is locked into investments.

You have to solve bigger problems to keep up with it.

And that forces growth.

The Best Investments Are The Ones You Control

I don’t just throw money into random stocks and hope.

That’s gambling.

And hoping doesn’t pay the bills.

I invest in things I understand.

In assets I can control.

Businesses. Skillsets. Advertising. Brand equity.

When I put money into ads, it turns into clients.

When I invest in mentorship, it accelerates my skills.

When I invest in my team, they generate more revenue.

This isn’t passive income from some crypto app.

This is active control over your financial destiny.

You should still diversify.

But don’t confuse diversification with abdication.

Don’t hand off your future to people who don’t know your goals.

Know where every dollar goes.

Know what it’s building.

Know what it returns.

What If 60% Isn’t Enough to Survive On?

Then you don’t shrink the 40%.

You increase your income.

That’s the entire mindset behind this.

Most people look at their paycheck, subtract 40%, and panic because they think, “There’s no way I can live on what’s left.”

But that reaction proves exactly why this works.

Because now you’re not trying to cut back harder.

You’re being forced to level up.

Instead of asking how to spend less, you start asking how to earn more.

And that’s the shift that makes people rich.

If the remaining 60% isn’t enough, that’s not a signal to adjust your investment percentage.

It’s a wake-up call that your income is too low, or your lifestyle is too bloated.

Either way, it’s not the 40% that’s the problem.

It’s what you’ve accepted as normal.

This system holds a mirror up to your situation and makes you deal with it.

You can either keep shrinking to fit a small life, or you can get resourceful, build skills, and find ways to generate more money.

That’s when everything changes.

You’re no longer reacting to your circumstances.

You’re creating new ones.

Do you see it now?

This is how high performers think.

They build systems that force better behavior… then they rise to meet the standard.

And the 40% rule is one of the most powerful systems you’ll ever build.

The BMM Takeaway

Money doesn’t follow effort. It follows structure.

This is what most guys miss. They try to out-hustle the system. But they never build one.

The 40% rule forces you to build a system around wealth. It turns your income into a machine.

One that grows, compounds, and multiplies—without needing more of your time.

You stop reacting to money.

You start directing it.

That’s what separates men who get rich from men who get stuck. The broke man spends what he earns, then figures it out.

The rich man invests first, then solves better problems.

One creates urgency. The other creates options.