Liliane Finances

𝟔0 𝐁𝐨𝐨𝐤𝐬 𝐓𝐡𝐚𝐭 𝐂𝐡𝐚𝐧𝐠𝐞𝐝 𝐌𝐲 𝐋𝐢𝐟𝐞

I read at least one page every single morning and done it for years. These are 60 of the ones that moved the needle most.

𝟏. 𝐑𝐢𝐜𝐡 𝐃𝐚𝐝 𝐏𝐨𝐨𝐫 𝐃𝐚𝐝 →Get a job. Save money. Retire at 65. That book cracked everything open.

𝟐. 𝐄𝐬𝐬𝐞𝐧𝐭𝐢𝐚𝐥𝐢𝐬𝐦 𝐛𝐲 𝐆𝐫𝐞𝐠 𝐌𝐜𝐊𝐞𝐨𝐰𝐧 →It's the book I recommend most. The whole idea is doing less but better. Cutting out everything that isn't essential so you can go all in on what actually matters. It changed how I work how I spend and how I live.

𝟑. 𝐓𝐡𝐞 𝟒-𝐇𝐨𝐮𝐫 𝐖𝐨𝐫𝐤𝐰𝐞𝐞𝐤 𝐛𝐲 𝐓𝐢𝐦 𝐅𝐞𝐫𝐫𝐢𝐬𝐬 → This one hit me at the right time. It's not really about working 4 hours a week. It's about building systems so your work doesn't own your life. A lot of the same ideas as minimalism but applied to business and time.

𝟒. 𝐓𝐡𝐞 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐍𝐞𝐱𝐭 𝐃𝐨𝐨𝐫 → This book confirmed everything I believed about wealth. Real millionaires don't look rich. They live below their means. They drive boring cars. They build quietly. This is the data behind everything I talk about.

𝟓. 𝐒𝐞𝐭 𝐟𝐨𝐫 𝐋𝐢𝐟𝐞 𝐛𝐲 𝐒𝐜𝐨𝐭𝐭 𝐓𝐫𝐞𝐧𝐜𝐡 → The most practical book on this list. It's a step by step roadmap for getting to financial independence as fast as possible. House hacking. Frugal living. Building income. If you want a clear plan this is it.

𝟔. 𝐓𝐡𝐞 𝐌𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐅𝐚𝐬𝐭𝐥𝐚𝐧𝐞 𝐛𝐲 𝐌𝐉 𝐃𝐞𝐌𝐚𝐫𝐜𝐨 → This one challenges everything about the traditional slow path to wealth. It made me think differently about how to build income and why most people stay broke their whole lives even when they're doing everything they were told to do.

Reading has been one of the biggest investments I've ever made in myself. These are just a few that made a big difference. There are plenty of others.

If you want more I put together a list of 60 books that changed my life. Linked in the first comment

Thanks for being a top engager and making it on to my weekly engagement list! 🎉

Adrien Harding Edjenguele, Emmanuel Chedjou, Golois Mouelet, Aimée Ndi Eyenga, Andree Singer Happybyforce

𝐇𝐨𝐰 𝐭𝐨 𝐃𝐞𝐜𝐥𝐮𝐭𝐭𝐞𝐫 𝐘𝐨𝐮𝐫 𝐄𝐧𝐭𝐢𝐫𝐞 𝐇𝐨𝐦𝐞

Most people think decluttering takes months.

It doesn't. It takes one simple rule.

𝐇𝐨𝐰 𝐭𝐨 𝐃𝐞𝐜𝐥𝐮𝐭𝐭𝐞𝐫 𝐘𝐨𝐮𝐫 𝐄𝐧𝐭𝐢𝐫𝐞 𝐇𝐨𝐦𝐞

That means 80% of your stuff is just managing you. Taking up space. Creating mental noise. Making it harder to find the things you actually use and love.

Here's how to apply it room by room:

𝐂𝐥𝐨𝐭𝐡𝐞𝐬.Go through everything and ask one question. Do I actually wear this. Not would I wear it someday. Do I actually wear it. If the answer is no it goes. I wear all black. Same socks same brand. I own what I actually wear and nothing else.

𝐊𝐢𝐭𝐜𝐡𝐞𝐧. Every gadget and appliance you haven't touched in a month goes in the donation box. The bread maker. The thing that sits in the cabinet for two years. Gone. What's left you actually use.

𝐁𝐨𝐨𝐤𝐬. Keep the ones you've read and loved or genuinely plan to read. Let the rest go. Books are not trophies.

𝐊𝐢𝐝𝐬 𝐬𝐭𝐮𝐟𝐟. What do they actually play with. Not what they might play with someday. What do they actually play with. Everything else goes.

𝐆𝐚𝐫𝐚𝐠𝐞. If you haven't touched it in six months and it's not seasonal you don't need it.

𝐄𝐯𝐞𝐫𝐲 𝐫𝐨𝐨𝐦. Walk through and ask honestly what do I actually use. Whatever falls outside that 20% is managing you instead of serving you.

One donation box by the front door. Fill it as you go. When it's full it leaves.

The 40+ minimalist rules that changed how my home, my finances and my life are linked in the comments.

These are the 5 mistakes I see come up most often. None of them involve picking the wrong stock.

The asset allocation one is probably the most common.

People open a 401(k), pick f5 funds that sound good, open an IRA with 3 more, and end up with a dozen overlapping positions that are harder to track and no better diversified than a single target date fund. A target date fund matched to your retirement year handles allocation, diversification, and rebalancing automatically. For most people, that is the right answer.

The company stock one is harder to talk about because people feel loyal to where they work. But your paycheck already depends on that company. If the stock drops 50% on the same day you get laid off, you lose income and savings at the same time. That happened to thousands of employees at Enron, Lehman Brothers, and more recently at several tech companies. Keep it below 10%.

The expense ratio math is the one that surprises people most. A 0.50% expense ratio does not sound like much until you run it on $200,000 over 20 years. The difference between 0.50% and 0.03% on that balance is roughly $19,000. For the same index.

The panic selling one is where most of the real damage happens. The S&P 500 has returned roughly 10% annually over the long run. But if you missed just the 10 best days over a 20-year stretch, your return gets cut in half. Those best days almost always happen right after the worst days. You cannot time your way out and back in.

The fix for most of these is simpler than people expect. That is the point.

Comment INVEST and I'll send you my FREE investing starter guide

According to 𝐋𝐮𝐤𝐞 𝟏𝟔:𝟏𝟏,

if you have not been faithful with "unrighteous mammon" (worldly wealth), no one—implying God—will entrust you with true riches.

True riches, defined as spiritual treasures, grace, and eternal life, are committed to those who show stewardship and faithfulness in small, earthly matters.

6 Things Jesus Never Taught About Money (But Most Christians Still Believe)

What's one habit you've noticed among people who are good with money?

𝐓𝐡𝐞 𝐚𝐯𝐞𝐫𝐚𝐠𝐞 𝐦𝐢𝐥𝐥𝐢𝐨𝐧𝐚𝐢𝐫𝐞 𝐡𝐚𝐬 𝟕 𝐢𝐧𝐜𝐨𝐦𝐞 𝐬𝐭𝐫𝐞𝐚𝐦𝐬 (this is actually what the Bible recommend to have) .

Most people are trying to build wealth with just one.

And that one stream has a boss, a salary cap, and a termination clause.

I am in a season of my life where I have been building income streams beyond my primary job. Not because I am unhappy with my career. Because I understand early that one source of income is one decision away from being gone.

A layoff, which I have experienced last year.

A health issue, which I also experienced last year.

A company restructuring.

And suddenly the thing you built your entire financial life around disappears overnight.

Here's how I think about the six streams on this list.

Your 𝐏𝐑𝐈𝐌𝐀𝐑𝐘 𝐈𝐍𝐂𝐎𝐌𝐄 is the foundation. Job or business. It funds everything else. The goal isn't to escape it. The goal is to maximize it and use the excess to build the others.

𝐀 𝐒𝐈𝐃𝐄 𝐇𝐔𝐒𝐓𝐋𝐄 converts a skill you already have into extra cash. Freelancing. Consulting. Services. Online work. You don't need a new skill. You need to monetize the ones you've got.

𝐈𝐍𝐕𝐄𝐒𝐓𝐌𝐄𝐍𝐓𝐒 are where your money starts working instead of you. Stocks. ETFs. Index funds. Every dollar you invest is a dollar that goes to work while you sleep. This one compounds quietly in the background and eventually becomes the loudest one on the list.

𝐃𝐈𝐆𝐈𝐓𝐀𝐋 𝐏𝐑𝐎𝐃𝐔𝐂𝐓𝐒 are the ones that changed the game for me personally. A course. An eBook. A template. You build it once and it sells while you're doing something else entirely. Scalable income without scalable hours.

𝐂𝐎𝐍𝐓𝐄𝐍𝐓 and a personal brand are how attention becomes income. Sponsorships. Affiliate deals. Brand partnerships. If you're building an audience you're building an asset most people don't even recognize as one.

𝐀𝐒𝐒𝐄𝐓-𝐁𝐀𝐒𝐄𝐃 𝐈𝐍𝐂𝐎𝐌𝐄 is the endgame. Real estate. Dividends. Anything that deposits money into your account monthly without requiring your direct time and labor.

Most people stop at stream number one and wonder why they feel financially stuck.

Now you know why.

What's a sign someone is quietly successful?

You don’t need 50 stocks to build income…

Just a few solid ETFs can do the job

These 3 literally pay you just to hold them.

Comment INVEST and I’ll send you my FREE investing starter guide