I Run a $3,000,000+ a Year,
One-Man, Online Business

For me, I've found it's best to find people who have already done something I want to know how to do and learn it from them. This is a good way to rapidly put yourself ahead of everyone else trying to figure it out on their own. In other words, find a mentor and absorb their knowledge. If you're not self educating and learning from people who have succeeded before you, the road ahead will be a difficult and frustrating one, trust me.

I've spent $100,000's on self education. I've read over 2,000 books, traveled to over 60 countries and spent $1,000,000's building my online businesses that gross me over $3-million-dollars per year now. I live a very financially comfortable, no-stress, location free lifestyle meaning I can literally be anywhere in the world, whenever I want and I take advantage of this freedom often, travelling to dozens of countries every year for months at a time.

One thing that REALLY changed my life was learning how to invest properly. You see, when I started making some decent money with these businesses I thought the next thing I need to do is learn how to invest this money safely, in case something ever happened to these businesses, no matter how successful they got, it's always nice to have a nest egg generating passive income, just in case.

So I started day trading, FAIL! I started regular trading, FAIL! I started investing in other friends business ideas, FAIL! I lost a lot of money (over $100k!) trying to figure out this investing thing. It wasn't until I learned how to value a company, just like Warren Buffett does, that I finally knew specifically what companies to invest in, how much to invest in them, and what price to pay for those investments. Is $30/share good? $300/share? $3/share? Most people don't know but when I finally learned this, things started to really turn around for me. Stay tuned for more on this investing stuff!

1. Learn how to make more than you need (learn how to stop living paycheck to paycheck)
2. Learn how to keep the extra you make, because most people, as soon as they have a few extra bucks they turn it into a new pair or jeans, trip down south or new car they can barely afford, putting them back to paycheck to paycheck. #2 is to learn how to stop doing this.
3. Learn how to invest the extra money you now have because you've mastered #1 & #2, and put it into safe investments so it doesn't disappear. Many people invest the extra money into risky things and lose it all, constantly going back to #1 or #2 forever. For me, I learned that #3 is just putting the money into safe, dividend paying companies that are financially healthy and are growing each year by a decent amount. You see, if a company is growing by say 10% each year for the last 20 years, they will probably keep doing the same going forward and the stock price will probably go up by 10% each year going forward, the dividends will be raised by 10%, etc. But how do you know which companies are doing this? That's what this course will teach you and I didn't invent this, this is Warren Buffett philosophy 101.

We will get into this investing stuff more in just a little bit...

Ever since my Forbes Article came out in 2018 a ton of people have asked me many questions about how I did it.

How did I build this business, totally online, no office, growing it to 50+ employees all over the world who work when/where they want and me running it from anywhere in the world when/where I want. How did I do it?

To me, it's easy. I just did it. But to most people it sounds impossible to go from average 9-5 guy to a global travelling entrepreneur (aka Digital Nomad) in a few years.

Before all of this, I was a regular 9-5 guy. I went to college for 2 years for a Mechanical Engineering Design program in London, Ontario, Canada. After college I had great jobs at some of the largest engineering firms in the world, including Hatch Ltd., SNC Lavalin Inc., & Siemens.

I learned a lot working at these places and I'm grateful that I had the opportunity to work at them for about 10 years combined. As good as they were I never really liked the trapped feeling I felt working a 9-5 job.

Working for someone else is not usually a way to freedom or massive wealth. How much money you make is decided and fixed by someone else, how many hours you need to work and how much free time you have to yourself is up to someone else, how many holidays you're allowed to take every year is fixed to a couple of weeks a year and again, decided by someone else. This 9-5 world doesn't give you much choice in life and that didn't sit well with me. Another 30-40 years of that? No thanks!

I'm not saying these corporations were evil. That's just how the 9-5 world works and I didn't like it so I decided to do something about it. The thing that always bothered me the most was having to wake up before I wanted to, before I felt fully rested, commuting through morning rush hour traffic to spend 8 hours somewhere I don’t really want to be, with people I don’t really want to be around and do things how someone else wants them done. Then I'd spend more time commuting home in more traffic, get home and feel too exhausted to do anything else, day in, day out.

I was willing to do whatever it took to escape it. There were other people that had done it, other people who built successful online businesses, travelling the world and enjoying the life I dreamed of but what was different about them? Why could they do it and I couldn't? Were they special super humans?

I started talking about what I wanted to do with my life and how I wanted to live it to some colleagues at work and they'd say "you can't start your own business, you don't even have an MBA! You can't travel the world and work anywhere you want, how can you make money while you travel?! You can't make more money than you're getting paid here!" And many other limiting beliefs they had about life that kept them from doing what I went ahead and did!

These comments were music to my ears! Like you perhaps, I love when someone tells me something can't be done. "Everything is impossible until someone goes and does it" - Steve Jobs

I started reading books about other people that have done what I wanted to do hoping maybe I'll figure out what the secret is. Reading those books about other business owners and online masters really open my mind up to the fact that if they can do it, why can't I? They're just humans and so am I, so why can't I copy them and do what they did? I just need to know what they know and apply it to my life so I started seeking out mentors who would help teach me what I can do to get out of this 9-5 situation.

You see, successful people are no different than anyone else, they just have more knowledge than average people. They make better decisions in money, relationships, business, health, investing, etc. because they have more knowledge than average people in those areas so they make different, better choices during their life, which compound into a great life over time. Decision after decision, where to put money, what to do with money, how to make money, how to pay less tax, who to date, who to marry, who to be friends with, how to be happy, all of those decisions add up and slowly, and over time, turn their life into a great life.

Based on what I was reading and learning I decided to start a side business while working my full time job and boom! J – CAD Inc. was born. All it was, was offering my engineering skills to local machine shops, manufacturing facilities and welders in Toronto, Canada, where I live, making blueprints and engineering CAD files for them. I did this for years while working a full time job so it definitely wasn’t an overnight success, I did this from 2006 – 2013 in fact. Shortly after that Render 3D Quick Inc. was born too!

Both businesses finally started to pick up, or more specifically my business skills and knowledge started to pick up. I'd learn something and apply it to my business and make more money on the side. Rinse & repeat, rinse & repeat until I was making enough money on the side to quit my job. It's like I said earlier, as I improved my skills in sales, business, website stuff, and anything else that applied to growing my businesses, the quicker my businesses grew and the more successful I got, and then I became one of the 'successful' people myself, I became the Lamborghini guy flying down the highway too - haha! It's all just knowledge, the more knowledge I accumulated, the more successful I got in all areas.

Sound easy enough? It's not easy, it takes time and hard word but it worth it when it's all done and you're on the other side, trust me. Now, is there something you can do that's similar, offer your skill on the side, water it and wait for it to grow into a full time business? I'm sure there's something you're good at that you can offer to the world! Think about it and give it a whirl! Acquire knowledge around it and keep acquiring knowledge until you're at the level you want to be at!

When I started in online business most days were $0. Then I started having $100 days. Now $5,000 - $10,000+ per day is pretty normal. So what do I do with all of this money? Invest it! How? Let's get into that next because that's what you're really here for....

1. Learn how to make more than you need (learn how to stop living paycheck to paycheck)
2. Learn how to keep the extra you make, because most people, as soon as they have a few extra bucks they turn it into a new pair or jeans, trip down south or new car they can barely afford, putting them back to paycheck to paycheck. #2 is to learn how to stop doing this.
3. Learn how to invest the extra money you now have because you've mastered #1 & #2, and put it into safe investments so it doesn't disappear. Many people invest the extra money into risky things and lose it all, constantly going back to #1 or #2 forever. For me, I learned that #3 is just putting the money into safe, dividend paying companies that are financially healthy and are growing each year by a decent amount. You see, if a company is growing by say 10% each year for the last 20 years, they will probably keep doing the same going forward and the stock price will probably go up by 10% each year going forward, the dividends will be raised by 10%, etc. But how do you know which companies are doing this? That's what this course will teach you and I didn't invent this, this is Warren Buffett philosophy 101.

1. Lower your expenses and invest the difference. What's the fastest way to give yourself a 10% raise? Simple, lower your expenses by 10%.
2. Lower your taxes and invest the difference.
3. Make yourself more valuable and invest the difference.

Let's now get into each of these 3 rules of investing and buildling wealth in more detail.

In my experience, and I can offer this advice because this is something I've gone and done myself over the last 15 years, making a lot of mistakes along the way, losing over $100K figuring out what not to do, and then finally getting successful at it, and now making millions doing it, I can honestly say that none of it is that hard.

The hardest part of investing is ignoring all of the noise out there saying 'Buy crypto! Buy NFT's! Buy this stock, my neighbour said it's going to 100x in 1 month!' and so much other nonsense. This is related to Step #2 of building wealth, which is learn how to keep the extra money you have in your pocket, and then Step #3, learn how to invest it safely.

So many people I talk to put money into foolish things and lose it all, and then go back to Step 1, learning how to stop living paycheck to paycheck because they lost everything in a risky investment. How many times do you want to keep doing this before you say 'maybe I'm doing something wrong?' Don't feel bad, I did this many times and thought the same thing. What you're doing wrong here is putting all of your eggs into one basket and the basket has huge holes in it!

Divisificaion is key and we will touch on this later...

This was me about 15 years ago, day trading, buying risky things with no knowledge on how investing actually works or how to value something and know what price I should be paying for it, just throwing one pile of money into something and hoping it works. Hope is not a strategy with investing. You think Warren Buffett somehow buys all the right companies at the right prices and he hopes he's right?! No. He's doing calculations and figuring out which company is a good company to buy and what price he should pay for it. There is zero hope in his calculations. I will show you how to do these calculations in the course.

The law of inversion says to get what you want you need to know what you don't want. You know you don't want to lose money. To stop losing money, like me 15 years ago, you have to stop doing the things that are making you lose money! Immediately stop relying on hope as your investing strategy. Stop putting all of your money into one thing when you have no idea if it will work! Stop blindly investing in companies if don't know what financial situtaion they are in, and don't know what price you should pay for their shares! Stop doing all of the things that keep making you lose money and then only do what works and just ignore everything else.

And I am here to show you and tell you what works because it has worked for me and many others for so many years. It's the most boring way to invest but it's also ironically the way to make the most money and I'll explain how this works in a bit. Now, why learn what not to do from your own mistakes when you can just learn from my mistakes and save tons of money? If you keep reading, you'll keep learning what not to do. Warren Buffett said 'It’s good to learn from your mistakes. It’s better to learn from other people’s mistakes'.

Onward - Step 1 - Lower your expenses and invest the difference. When I was just starting my businesses, I had to get my expenses way down as much as I could so if I had a bad month or months, I could still pay my rent and eat.

I sold my car which even though it was paid for, was still costing me $800/month when I factored in gasoline, insurance, maintenance, etc., I relied on public transit for 14 years. I downsized and lived in an $1100/month studio apartment and adjusted my life so I only had to make about $2500/month to live. Anything extra in business profit got invested.

Even when the businesses started doing better and I could afford a car and a nicer place, I resisted and adhered to this rule and I kept doing that for many years. I didn't have a car for 14 years and invested all of that money I saved instead. One could argue that my Lamborghini was free because I used investment gains I made over the 14 years of not having a car to easily pay for it.

I lived in cheaper tiny apartments and invested the extra money my businesses made month after month, year after year. I rented my parking spot for extra $150/month. I rented the storage locker for $100/month. Anywhere I could save money and make money I took advantage of it and invested the difference, strictly adhering to Step #1.

Find ways you can do the same in your life and invest the extra money you now have.

Step 2 - Lower your taxes and invest the difference. Once I started making some decent money in business it became important to structure the businesses properly to avoid paying as much tax as possible, legally, so I could keep more business profit in the business's pocket, and personal tax in my pocket, and invest all of it.

Different countries and states/provinces have different tax laws. It's important speak to a good, reputable, professional accountant that knows the rules and tax laws where you live, so they can help you set up your business and personal finances to lower the tax you pay as much as legally possible.

For example, J - CAD Inc. pays it's fair share of tax each year and then what's left over is profit. All of the profit gets put into a Holdings Company, which then gets invested by me into dividend paying stocks. Any dividends this Holdings Company makes through the investments it holds, is taxed rather high BUT if those dividends are paid out to a shareholder (me) there is 0% tax on those dividends. Then I pay the personal dividend tax rate on those dividends which is much lower than the corporate tax rate on dividends, and this also gives me a pile of cash to spend personally. It's things like this a good accountant can tell you about and setup for you, keeping more money in your pocket, paying less tax than you were before, and investing the difference.

Step 3 - Make yourself more valuable and invest the difference. This one is rather vague. What does 'make yourself more valuable' mean? It means get more knowledge. Wise people are paid more. People who have more sales skills sell more. People who have more business skills have businesses that grow. People who are better than the average person at anything will naturally, over time, attract better opportunities. If you like your 9-5 job and improve your skills related to it, you will do a better job, get paid more to do it, and get the promotion over your other colleagues who did nothing to improve themselves.

If you want to start a business doing something you're good at, if you get really good at it, people will refer your business to their friends over another business doing the same thing, but not as good as you. Your business will grow. You will make more money over time.

If you open a French restaurant for example, if you get really good at cooking French cuisine, get good at making the decor in the restaurant warm and inviting, get good at managing everyone working for you, get good at the welcoming process to the restaurant, get good at every single detail of owning and running a restaurant, when someone in your city wants some really good French food, they will think of your restaurant. They will bring their friends there. Their friends will bring their friends there. Your business will grow way more than another French restaurant in the same city becasue you did all of the work to improve yourself and make yourself more valuable to your restaurant. Now you can open another location and double your revenue!

Now, how do you make yourself more valuable? Read books about things you want to get better at, watch podcasts that teach you things you want to get better at, buy university lectures from universities online, find mentors and people doing what you want to do and ask them for advice. There are so many things you can do to acquire knowledge, especially now with online technology, you can learn anything anywhere pretty much any time. There's no excuse anymore like the library is closed so I can't get that book until next week.

Make yourself more valuable and invest the extra money you now have that you didn't have before.

If you follow those you will inevitable be very well off one day. I know this because it's just math and how compounding interest works, and that's exactly what I did and now, objectively, one would say 'Jason is pretty well off!'

Not to brag, but after 15+ years of following those rules I have millions of dollars working for me, paying me more dividends each month than I can spend and the capital has turned into a nice pile of money. What is a dividend? We're getting to that soon! Note that I just said it took 15+ years for this to happen to me. None of this happens overnight and many people don't like hearing that or reading those rules to follow because it means they have to make sacrifices now to enjoy later. 'Everyone wants to get rich quick, no one wants to get rich slow' - Warren Buffett.

Getting rich quick doesn't exist or else everyone would be rich, right? Sure, some people get rich quick, but it's a handful of very lucky people. Why not just get rich slow with a guarantee? Everyone can do this, you don't need to be lucky for it to happen. It's just math and how compounding interest works! And that's exactly how investing works, it's a slow process and the compounding interest takes years to kick in and start to become pretty nice returns.

The time is going to pass anyway, why not be invested while the time is passing, get paid dividends and have a pile of money one day? For 15+ years now that's been a beautiful way for me to pass the time and remember...

A dividend is a payment made by a public company to the shareholders of that company. A public company is a company that sells shares on the stock exchange. Dividends are usually paid quarterly. Some companies do not pay a dividend. Some companies pay small dividends and other companies HUGE dividends. Here are some questions you probably have about dividends and investing:

• How do you know which company to buy shares in?
• How do you know which company is a good company to invest in?
• How do you know if a company is financially healthy?
• How do you know if a company has tons of debt?
• How do you know if a company is profitable and how profitable is it?
• How do you know if a company is growing and by how much is it growing each year?
• How do you know if a company is paying a dividend and how much is the dividend it's paying?
• How do you know if a company raises their dividend each year and if they do, how much do they raise their dividends by each year?
• How do you know if a company is paying too much in dividends?
• How do you know if the price per share is a good price? If a stock is $30/share and another company is $100/share, the $30 company is a better price, correct? No!
• How do you know if $30/share is a fair price for that company? How do you know if it should be $10/share, $50/share, $100/share? How do you know what the price should be?
• How many companies should you buy shares in?
• How much money should you invest in total?
• How much money should you put in each company?

These are just a few of the important questions good investors ask before they buy shares in any company and in this course we will answer them all and many more questions you probably have.

The reason I love dividends and many huge investors love dividends is because most good companies that are in good financial shape and growing, raise their dividends each year! And they usually don't give tiny little raises each year, they are very generous and pretty much tax free! I try to aim for companies that have a history of raising their dividends by 5-10% each year or more, and have a starting dividend yield of around 5%. What is dividend yield?

Dividend yeild is the return you get on your money from dividends alone. For example, if you buy 1 share in a company that is selling shares at $100/share and they have a $5 annual dividend, then your dividend yield is 5%.

In other words, you make $5/year on this 1 share you hold for $100. Now, most people say 'big deal, $5, Who cares about $5, Jason!?' but the reason I really care about this is because good companies raise their dividend each year.

Let's say in this example this company raises their dividend by 10% per year so in year 2 they raise their dividend by 10% and again each year after that. This means in year 2 you get $5.50, year 3 $6.05, year 4 $6.65, year 5 $7.32, year 6 $8.05, year 7 $8.85, year 8 $9.74, year 9 $10.72, year 10 $11.79. In only 10 years you're making close to 12% PER YEAR on your initial investment of $100. In 20 years it's 30% - PER YEAR!

The overall markets go up by, on average, 7-8% per year and people obsess over 'beating the market' each year. By doing absolutely nothing, you are automatically beating the market starting year 5 and doing way better than the market for each year after that! And that's only the dividend. It's not factoring in the capital appreciation on the $100 you invested initially. Companies grow over time so over 10 years that share price might be $200? Who knows.

Properly invested money doubles about every 7 years because of 'The Law of 72' which I will explain more in the course but basically the $100 becomes $200 after 7 years, $400 after 14 years, $800 after 21 years, $1600 after $28 years $3200 after 35 years, etc.

And this is just investing $100 in this example. You can do the math on what it would be if you put in $1,000, $10,000, $100,000, etc.

Here below is a screenshot from a DIVIDEND CALCULATOR I like to use with some numbers in it. You can change the numbers to whatever you like on the site and see what you get.

I put in a starting deposit of $10,000 and adding $1,000/year or about $85/month. This is pretty reasonable as I think most people can come up with this money and get into investing but if your numbers are lower, plug them in and see.

I put in a quarterly payment as most companies pay dividends quarterly. The starting dividend yield is 5% which is pretty reasonable as most good companies pay about 5%. Annual dividend increase I put 10%, which some might argue is agressive but change it to 7% or 8% and see what you get. 10% isn't unheard of so I just put 10%.

DRIP which is 'dividend reinvestment program' which just means when companies pay you a dividend you plan to reinvest that money into more stocks. You can take the money out if you want, it's your money but if you don't need it, just reinvest it and let free money make more free money!

Tax rate 0%, because dividends are taxed pretty low. Annual share price appreciation 6% but again play with the numbers. People think that's agressive but I don't think it's too far off reality. Years invested 30 years or change it to whatever time line you think suits your age and how long you want to invest for. CLICK calculate and see what happens

You can see here in the results that the ending balance is almost $1.3M! Remember, you put in $10k and added another $30k over 30 years ($1k/year) so you've put in total $40k and that turned into $1.3M because of compounding interest! 'The most powerful force in the universe is compounding interest!' - Warren Buffett.

Keep in mind too that the $1k/year for 30 years payment is today's money. After 10 years $1k might be peanuts for you and you might be able to afford $1.5k or $2k or $5k because of inflation and job/career growth. As your career unfolds you will probably get raises and be able to afford more so try to put a number that might be more of an average over the 30 years, rather than what you can afford today.

Back to the numbers, you have realized a 3000%+ return on your money, over that timeframe you averaged 12%+ annually compounding returns per year on the $40k of capital you put in, the annual dividend income on the $1.3M is $200k/year (tax free or taxed very low), and you collected over $800k in dividends while you were waiting for the 30 years to go by! On top of that you've made an over 400% dividend yeild! Where on Earth can you make returns like that anywhere else safely and predictably?!

Here's a chart below showing how the dividend income every year really starts to go exponential as the years go by! That's the power of compounding interest! And this money gets paid to you for doing nothing! FREE MONEY!

The other great thing about dividends is they are usually taxed very low, in Canada anyway, so basically it's a tax free passive stream of income that grows each year. Speak to your accountant about how dividends are taxed more specifically in your region and plan your taxes accordingly.

Some people argue that buying growth stocks will make you more money than the 5% dividend payment in year 1, and that's a fair statement and perhaps they're right. When companies don't pay out a dividend they have more money to reinvest in their business and make it grow faster, think tech companies, most don't pay a dividend because they need the cash to keep fueling the rapid growth. What I say to these people is you need to keep in mind the taxes you have to pay on stock gains and factor that into your investing strategy and overall calculations.

In Canada for example, capital gains taxes are about 25% of the gain. In other words, you invest $10,000 in a company, it doubles and grows to $20,000 in 7 years, you profited $10,000 or had a 'capital gain' of $10,000 taxed at 25% = $7500 profit. There were no dividends paid over the 7 years so it's just $7500 profit. The capital gains tax can really eat into your profits! In this example, you made $7500 over 7 years, which works out to be about 8%/year, after tax. We saw in the dividend example above that after a few years of diviend raises, you start making way more than that every year, with virutally no tax.

I love dividends because they are taxed way lower and I don't have to wait 7 years to get them, I get them immediately as soon as I start investing in the dividend paying companies. So yes, maybe the dividend payment is lower for the first few years than the stock growth of a non-dividend paying company, but I save the money in taxes I don't have to pay on the gains. To me, it's a wash and I don't really care. But the thing I like the most about dividends is getting paid now, not one day down the road when I sell the gains, pay my tax and have what's left over. I want the money now so I can enjoy my life now.

The other thing I said I'd touch on later is divisificaion so let's talk about that now because it's related to this stuff. It's key to diversify into about 30-50 companies, most of them paying you a dividend if possible. That way, every few days some company is handing you FREE money, depositing the dividend into your account and you can decide what to do with that FREE money because it's yours.

The other thing with diversification is that let's say you have 50 companies and you put your money equally into each. In other words, you have $50,000 and you put $1,000 into each company, 2% of your money is in each company. Now, the reason it's important to setup your portfolio this way and diversify is because if you're calculations are wrong for any one of the companies, you only have about 2% of your money in that company and you still have 98% of your money doing well. You can sleep at night forever with this portfolio because it's safely invested. If you put everything into one company and hope it does well, and you wake up and it's down 30% for some reason, you just lost 30% of all of your money and you will not sleep well until it comes back up.

Just diversify and you never have to worry about this, but don't over diversify either. Warren Buffett says about 30-50 stocks should do it and I've adhered to that for years and have done well.

Some people ask why not put some money into growth stocks and the rest into dividend paying companies as a way to diversify, and they're not wrong. You can do that if you like. Another Warren Buffett rule is to put 90% of your money into very safe, dividend paying companies and then no more than 10% into more speculative stuff. Sure, put 1-2% in crypto, sure put 1-2% into some tech company but combined, put no more than 10% of your money into this stuff, that way 90% of your money is safely making you money and growing while paying you dividends.

I've done the 10% rule in the past, and yes, some of the stuff explodes and some of the stuff goes to $0. I found that holding 10% of my money in this speculative stuff only caused me stress when it didn't work out so for many years now I just put 100% into safe stuff with zero stress but you are free to do whatever you like, it's your money!

Anyway, the power of dividend investing and compounding interest was the answer I was looking for back when I was trying to figure out what I should do with all of the money my businesses were making. I didn't want to do anything wreckless and lose money, I wanted to put it into something safe and let it grow without any stress, and this was exactly what I've been doing for many, many years now and it works. I wouldn't be sharing this info if it didn't.

I've helped dozens of people get set up and open their accounts, get money invested and get them collecting dividends from great companies that are growing. If you think this is something you want to explore further, then this course is exactly what you're looking for! I tried to make it exactly what I was looking for 15 years ago but couldn't find and spent over $100,000 figuring it out myself and losing it in the process! You can avoid this and just learn from me by watching some easy to follow videos which should be ready soon!

Enjoy!

Jason Vander Griendt