Deloitte consultant salary | | Underwriter? Salary expectation and career progression

Hi everyone,
What’s the standard career path of an underwriter? In terms of career progression and salary. I know that it is possibile to become a senior underwriter but not much more than that.
I was offered a position as an associate underwriter (not in the US) but I have no clues about the potential career path. Is it an end dead job? Is it possibile to move to other industries after a couple of years?
I may get into b4 or consulting but this offer is way better than the others. I am just concerned about the future grow path/exit options

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I am a SAP consultant(In India) with 6 years of experience in SAP BPC and Abap on Hana but I want to choose one for the longer run. Which one should I go with? Also what would be the salary comparison for both the skills?

Hi UKPF team,
I set up a limited company for a period during COVID when I was doing some contract consulting for my previous company. I moved on from that role and are now in a normal salaried PAYE role with a company. I have maybe a grand or two left in the business account, and should really take it out as final dividends.

I'm currently paying an accountancy firm £60 / month for filing my tax forms etc, however I aren't actually using my company at all right now. I was reluctant to close it down just in case anything happened and I wanted to go back to contracting, but that doesn't seem likely in the short-term. What are my options here - I don't fully understand if I can make my company dormant, or if I need to be paying this accountancy £60 a month for essentially nothing (I know you never need to pay them, but now its so simple I'm not sure if its something I can do myself)?
/Edit to add: The accountancy firm said they would charge a several hundred £ to shut the company down too. Not sure if thats something I could do myself too?
Thanks for the advice!

Civil Engineer, F, 28 years old, Italian living in Italy. Three study experiences abroad allowed me to learn different languages. I have been working for a year and a half in a public company in the infrastructure sector, following one year in consulting and one year in the utilities sector. I am involved in project validation in the civil field, but I am dissatisfied with my job as it is overly technical, unstimulating, and offers limited career opportunities. Personally, I am not interested in pursuing either design or construction management, so I would like to aim for the role of a project manager. At the same time, I have always wanted to explore the field of architecture. A few months ago, I applied for an EMJM program on the safeguarding, preservation, and reuse of contemporary urban and architectural heritage (a second-level master's program) funded by the EU. I won a scholarship for this program, which covers the program fees and provides a monthly stipend of 1400 euros for 18 months. Would you leave a job with an annual salary of 30k plus benefits to participate? For those with more experience than me, are there actual opportunities in this field? Thank you!

https://preview.redd.it/xbbmvwk05y2b1.jpg?width=1280&format=pjpg&auto=webp&s=116c1a4c80219604524cc4a321c8086cdb93a5a7
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· Rasmus & Christian Mikkelsen –Impact Academy 2023
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· Charles Miller – The Writersonal Branding Playbook
· Kaye Putnam – Convert with a Quiz
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· Chase Reiner – Fortune Bots Update 1
· Andrew Ethan Zeng – Social Marketing Mastery
· [Method] Upload FULL, 100% Unedited Copyrighted Videos on Youtube! Content ID DESTROYER!
· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
· Charlie Morgan – Easy Grow
· Nina Clapperton – Jasper AI Course for Bloggers
· Travis Stephenson – Simple Profit System
· Manny Khoshbin – Real Estate Starter Program
· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
· Jason Bell – Birthday Marketing Formula
· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
· Cody Wittick & Taylor Lagace – The Influencer Marketing Blueprint
· ⚡️➡️$390/Week BLUEPRINT+PROOF✅Scalable Method❤️Amazon to eBay Dropship✅
· Kody Ashmore – Simpler Trading – Drama Free Day Trades ELITE
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· Montell Gordon – Agency Transmutation
· Csaba Borzasi – Breakthrough Conversions Academy
· Tim Denning – Twitter Badassery
· Geoff Cudd – AI Writing Course for Bloggers & Digital Marketers
· RED CPA FORMULA – UNTAPPED UNDERGROUND CPA SYSTEM
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· Holly Starks – Make LINK BUILDING Great Again!
· Mike Warren – Deeds4Cash
· BITCOIN BRITS – The Crypto Course
· Max Gilles – ⚡️☄️ UHQ Leak ❤️CPA JACKER – Epic CPA Blueprint✅⚡️
· Aidan Booth & Steve Clayton – 123 Profit Update 9
· Christina Galbato – The Influencer Bootcamp
· John Thornhill – Ambassador Program
· [Sales] 999+ Ultimate ChatGPT Prompts To Copy & Paste (250+ tasks)
· Pollinate Trading – Curvy Trading System
· Content Mavericks – The Greatest Hits Content System
· Andriy Boychuk – Flowium – Klaviyo Mastery 2.0
· Dagobert Renouf – How To Dominate Twitter (Advanced Growth Bundle)
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· Billy Gene – 5 Day A.I. Crash Course for Marketers
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· Casey Zander – YouTube Fame Game Blueprint
· Harlan Kilstein – Midjourney Mastery
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· Bretty Curry (Smart Marketer) – Smart Amazon Ecommerce
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· Aidan Booth & Steve Clayton – 123 Profit
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· The Trading Guide – The Gold Box Strategy
· The Complete XAUUSD GOLD Forex Scalping System On Real Trading Account
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Catch the full episode: https://www.wealthformula.com/podcast/371-ask-buck-june-2023/
Buck: Welcome back to the show, everyone. And today it's just me. Like old times. And we're going to take questions from the audience. There's actually no audience here in my room, in my office here. But I'm going to take questions from you. And we'll start with the question from Mike. Mike, here you go. Hello, Buckets. Mike Kaye from Melbourne Beach, Florida.
Mike: I was wondering if you were looking at any opportunities out there in regards to investing in distressed assets. I've noticed that rates have gone up in a lot of operators like Western wealth aren't cash flowing and are actually looking for more capital because they've got themselves into trouble. And if rates stay higher than expected, there could be some some pretty good deals as far as bailing folks out.
Buck: So I wanted to get your thoughts on if you were looking for anything out there as far as funds or whatever it may maybe create some opportunity here. Thanks, Mike. Thanks for the question, Mike. The answer well, let's start with this. Obviously, there's a lot of distress in the system right now. Interest rates have gone up a the steepest slope in American history.
And as you might expect, that has not been good for operators, particularly those who relied heavily on floating debt. You know, and this is important, I think, to understand what's going on a little bit, because you might be wondering why in the world would you use floating debt anyway? Well, if it's a long term hold, it never would really make sense to do that kind of short term debt.
However, and with these larger assets, the problem is fixing debt. If your plan is to, you know, ultimately sell. And, you know, 18 to 24 months, you are going to end up with an extremely high prepayment penalty. And so in those situations, the extremely short hold are the shorter hold models, you know, generally ran on floating rate. So if you're again, your business model is to get in and out in 18 months, it doesn't make sense to lock in the rates.
So obviously now they would be better off if we had. But everyone has a plan until they get punched in the face. Right. That is from Mike Tyson, not from me. But that's that's kind of what's happening across the board here, especially for floating rates. And as for looking into creating this fund, which, you know, maybe you got a rescue fund or something like that, that the answer was whether I, I think that that's potentially something to do is, well, yeah, it's certainly something to consider.
And I have thought about it. These are essentially these sort of preferred equity positions, essentially become the lender. So there's not like any tax benefits or anything like that. But so, you know, I have thought about this, but but before doing anything like that, I want to make sure, you know, the economics makes sense for everyone against, again, perhaps one of the most appealing parts of this fund might actually to be getting into some second positions and maybe be first in line if the property fails and you know it or is distressed, it needs to be taken over.
But I really need to think about it because I also want everyone to have as much dry powder as possible. And because, again, it is no fun to be in this environment and those people who are going to make money are going to be the ones that have like nerves of steel that, you know, are okay to feel like, okay, I'm losing some money on one hand, but there's an opportunity to buy distressed assets on the other side.
And that's where real money is made. And again, it's a psychological thing that happens in every cycle. And the key is to try to keep your wits about you and learn, you know, learn whatever lessons you have to learn and move on and deploy. I certainly am not one who is not learned from this experience. Myself, I absolutely have, and I think it'll make me a better investor going forward.
Unfortunately, we're still in the midst of this mess right now. But anyway, bottom line is the answer is yes, potentially. I've thought about it. And I think like those kinds of preferred equity, essentially debt being in the second position behind the main lender, that is that's potentially appealing. And certainly as an investor, I think it's appealing because essentially you're you're in a lending position. You're not you know, you're not in an equity position, so you're superior to the equity position. Hopefully that helps. All right. Let's go on to the next question here. So it's from John.
John: Hi, this is John Valentino. I listened to your excellent podcast every Sunday morning on my run, walk and find them uniquely interesting and helpful amongst a sea of podcasts that aren't.
Buck: Yesterday you mentioned Terry Loughlin and your late in life swimming experience. I'm 68 now and at 55 I decided to learn to swim. I researched all of Terry's stuff and ended up using a local swimming coach here in Fresno, California, who knew Terry and who had a lot of experience. He had me swimming, breathing and flipped, turning very quickly.
Four years ago when we visited Maui, I did a two mile ocean swim with some master swimmers. I now swam about a mile and a half every Sunday with which the swim coach they taught me. And I do that. I listen to your podcast. I'm sure we could get you swimming and breathing properly very quickly. He Fresno's not too far from Montecito. Good luck with your swimming and let me know if you'd like me to hook you up with Rich. The swim coach.
Buck: Well, John, thanks for that. That makes for a lighter moment in this sea of despair. Ha ha ha. That's funny, kid at sea of despair. He's swimming. Anyway, for those of you who don't know what John is referring to, I'll just take a minute because, you know, taking questions from all kinds.
All types of questions here is back in 2016, I think it was 16, I listened to Tim Ferriss podcast about how he spent his whole life trying to swim and unsuccessfully, I'd say, met up a guy, met up with a guy named Terry Loughlin, who taught his total immersion technique or tie. So I decided, well, gosh, you know, basically Tim Ferriss was talking about my story, like he spent his entire, like, you know, didn't learn to swim as a little kid and then all this and trying to catch up and no one could teach him.
And that was kind of where I was. I do like him numerous, like tries added back in my twenties and thirties, and then I kind of had given up. Then I contacted Terry. He was in New York, upstate New York. So he actually flew out there. I was in Chicago at the time and he taught me to swim in about 2 to 3 hours and it was really unbelievable to me.
And the only thing I didn't learn how to do during that visit was to breathe. And unfortunately, that was so that was like I was there for like a day and a half. And that was the part I didn't get to. So now I can swim, but only as long as I can hold my breath because I can't seem to, you know, I can't breathe and swim at the same time.
Unfortunately, Terry had, end stage cancer. When I saw him and I believe I was his last student before he died a couple of months later, and he'd actually stopped teaching for a while, you know, before I got to be the lucky one that he decided he had enough strength to go back for. So lucky for me. So but yeah, I would love to, you know, John, shoot me an email, you know, where I am and I get well for Malcolm Connect me to your guy.
And I think Fresno might be a little far, but if he's as good as Terry, maybe I could. Maybe I could learn to breathe in a day, too. So, hey, anyway, thanks. Thanks for that. Let's go on to the next question here. All right. This one's from I think it's Garima.
Garima: I am looking to become a real professional on studies. We've been doing real estate for a little bit but wanted to do this. I really need help. If you can guide me well and see.
Buck: Well, I don't know. I can do my best about that, Garima. And first of all, I have to preface this as I always do, that what I'm about to say is not legal or any kind of tax advice. I'm not a tax professional. My degree is in medicine. I'm a former board certified surgeon, but that doesn't qualify me for much. And this in this arena, it's just my understanding of the tax law, which, you know, I spent a fair amount of time thinking about. So it's not like what I'm saying should not be listened to, I think.
But on the other hand, the liability issues, I have to make very clear consult with your own tax professional before anything anyway. So again, probably the best thing I can do in terms of guiding is tell you what I know about the qualification as real estate professionals status. And by the way, I should also point out that the benefits that I'm going to talk about, there's a lot of this similar benefits without having the status in short term rentals.
And that episode, I believe, is 354. So go back and listen to that one. It's I thought that was a pretty interesting episode. But why is agreement talking about this RFP short for a real estate professional So everyone is on the same page? What is the real estate professional designation? Why is it useful? Well, a real estate professional is not the same thing, is in a real estate agent or a real estate broker, which are basically involved with real estate transactions.
They're involved as like the middleman. Right. That's not really the business of real estate. The real estate professional is someone who is who is materially involved with the business of owning and operating business. And the reason that this is important, we'll get to in a minute, but I'm going to go into the qualification parts of this. And again, I'm not giving you advice and basically telling you what I can gather from the IRS website And basically the material participation is one of the first things.
So you can't you can't be a limited partner in a bunch of real estate and call yourself a real estate professional. You have to have some activities that are truly owning and, you know, operating real estate. I mean, you have to be involved in the management operations of your rental properties, right? So the level of involvement is different than obviously if, you know, even if you have a propertyif you have a property manager or whatever, it's still going to be more active than if you're just a limited partner.
But another one of the things that you have to qualify for is you have to spend more than 50% of your total working hours in real estate activities. So in other words, if you know, if you've got a full-time job, you can't really qualify as a real estate professional. There has to be more hours than any other profession. Right? Your participation in real estate activities has to exceed anything else that you're doing in terms of business and employment. There's also something called the 750-hour test, which you must spend at least 750 hours per year on real estate activities. And some of these things that you can do include property management or rent collection or maintenance or advertising, other related issues, acquisitions, underwriting, etc.
I mean, there's a lot of things that, you know, once you own real estate, you can be an active owner, right? So anywhere that's... So why would you want this designation? Because it sounds onerous to go and try to make sure you've got all these things if you're not already doing it. Well, as you may know, the real estate income itself, that real estate income itself is considered passive income.
Right. And similarly, the losses from real estate in the form of depreciation are considered passive losses for most people. Those passive losses cannot be applied to any active income, right? So if you have an income of $500,000 and you happen to have $500,000 of depreciation or paper losses, you couldn't use those losses to offset your personal active income.
The reason is that one is active and one is passive. So you can't do that. And unfortunately, unless maybe you or your spouse, rather, with whom you file jointly is a real estate professional. So in this case, what would happen is those passive losses from real estate would become activated, in other words, their active losses. And you can, you know, you can offset anything with active losses, right.
And even W-2 income. So that's the idea. So, again, theoretically, check with your legal, you know, and tax people and hopefully they know what they're talking about. But see, if you're a C, if you're a doctor, you're making, again, $500,000. And let's say your spouse, who's a real estate professional, generated maybe $50,000 in income, but $300,000 of paper losses, you can deduct that $300,000 from the salary, that is earned income on the doctor's side.
So basically, that is what the huge, big deal is about this real estate professional status. And again, I'm not a tax professional, but this is something that a lot of people in our group do, and it is, you know, following the tax code, that's the key. So Garima, bottom line is I don't know how else I can guide you other than to give you information.
But, you know, I guess what I would do if I were you is, you know, try to figure out how you can actually, you know, get yourself qualified as a real estate professional and make sure that, you know, you fit those criteria and talk to your tax person about it. Okay. Next question is from Mark Hammons. Mark's question deals with tax law, and I'm not sure it's appropriate for this forum.
Feel free to pass on if you feel like addressing it. Well, it's another question. Well, you know how I feel about that. I'll tell you what I think. But
don't take it as tax advice in any sort of way. But okay, so here's the question Mark says. He says, I'm a partner in an LLC that was formed for residential development.
Our project is nearing completion, and this year it will take business income to be taxed at a 20% LLC rate. I will receive income from the sale of raw land and taxed as long-term capital gains. I'm a full-time physician and not actively involved in the business of land development. Can I offset any of this income with accumulated passive losses and leases?
Thanks, Mark, for all you do. Thank you, Mark. And well, as you may have gathered from the previous question and the answer that I gave Garima, you are a full-time physician, my friend, and therefore you do not qualify as a real estate professional, and therefore you cannot use those passive losses against your active income as a physician, and you are stuck in that stratification of income hell, which is that you've got these great-looking losses on the passive side and this great income on the active side, and you cannot do anything about it.
So now, if your wife was doing this real estate stuff and qualified as a real estate professional based on the criteria I mentioned earlier, then you would theoretically be able to apply those passive losses to active income, and boom, all of a sudden, you would have what it is you are hoping for. And anyway, but I do have people in our group who are literally, you know, with that spouse set up.
Well, that's why I brought it up, right, where they literally had a spouse quit their job so that they can switch to real estate professional status. And although their cash flow may constitute a theoretical pay cut from their job, the generated losses, paper losses, are being applied to the larger active income stack. There, in many cases, justifies that because they may make a total gross amount of income that's less.
But because of those passive losses, they actually get to keep more. So that's a complicated answer to a simple question. In my non-professional opinion, Mark, you are kind of screwed. Can't do that anyway. All right. So the next series of questions is from Terry. And let's see, let's start with the first one. Is this one. My understanding is there are U.S. dollars held overseas in the United States.
What would be the impact to the value of the dollar if the overseas cash had to be converted to CBDCs, which is central bank decentralized coins? Well, I'm no expert on this, but from what I know, I'm not sure it would have a material effect on anything overseas because as I understand, CBDCs is a little more than using distributed ledgers instead of central ledgers for digital money, right?
Because the thing is, you have to remember that 90% of the U.S. dollars are digital-only already. They do not exist in the physical world already. So what difference does it make if it's on a single ledger or if it's on a distributed ledger? I'm not sure that it does. As I understand it, the idea would be essentially to make it into like a software update almost, right, where the new digital currencies would be CBDCs.
But of course, I could be wrong, and my understanding of the plan that the U.S. has there is it could be wrong. I'm sure there's a larger plan eventually to use this as a way of maximizing tax revenues and tracking people's spending and that kind of thing. But in the short term, I don't really see how it has repercussions for money overseas.
But if somebody knows of something that would cause that, certainly email me. But I don't know that. Okay. This question is also from Terry. He says, "Rising interest rates have had an impact on existing multifamily operators, and it seems like part of the multifamily model relies on interest rate value being lower than cap rates." That's correct. "Combined with the multiplier effect of low cap rates for value-add projects, do you see cap rates going up until interest rates come down?"
How high can cap rates go before the value-add model is no longer viable? Are rents still rising fast enough to offset interest hikes? Okay. So yes, I do see cap rates going up. Remember, in order for debt to make sense, the interest rates must be lower than the cap rate. So if your borrowing rate is 5%, then your cap rate needs to be above that in order to have positive cash flow.
Otherwise, you're amplifying your losses. That said, often, you know, you may have seen in some cases operators buying things and they'll consider buying things like that. If there's an obvious thing that's going to drive up net operating income pretty quickly. But right now we are seeing rising cap rates. Now, as for the value-add model being viable, I would say that yes, the value-add model is viable in all interest rate environments and with all cap rates because remember, folks, real estate was not people didn't just start making money on value-add.
This has been around for some time, right? There are plenty of people who got rich off of value-add real estate in the eighties despite double-digit interest rates in double-digit cap rates. So what has created so much distress in this system is not the absolute interest rates. It's the pace at which the interest rates went up.
They're the moving goalposts. You see, every time you underwrite a property, you have to model in interest rates and reversion cap rates. And if rates are not stable, it's very difficult to underwrite. And that's why these real estate markets right now have been so illiquid. There really are no stable variables to underwrite with. Rightly, you got to have the goalposts, you got to know where the goalposts are so you can play the game right.
Once you have that stability, though, you can underwrite again, and in value-add real estate, the money isn't made based on interest rates being high or low, but it is made by ultimately creating a positive delta in the net operating income. And that can happen in all interest rate and cap rate environments. So I don't see it being an end to value-add real estate at all.
In fact, one could argue that if you're, say, you're buying real estate, which hopefully we are in the fall, and you're getting great deals on it, you know, the rates are high, but the numbers are making sense. You do your normal net operating income, you do your normal value-add program, you try to increase NOI, and you get lucky.
And by the time you're ready to sell, interest rates have actually come down. Well, in that case, you're going to actually probably get, you know, more for your property than you would otherwise if rates were stable. So I actually don't see this as something that is ending anything. In fact, I think those who, again, take advantage of a higher-rate environment and buy into assets that make sense at high interest rates could seriously make money in the next, you know, several years.
So let's see, the last question from Terry is, "What are your thoughts on portfolio allocation between real estate stocks, cash value insurance, gold, crypto, and cash?" Well, I might not be the best person to ask about portfolio allocation because I think my portfolio would make most money managers think, right? I'm about 75% real estate, maybe 5-7% crypto, mostly Bitcoin, Ethereum, and the remaining investments are things that I believe are uncorrelated.
The most stable thing is, you know, I'm a big fan of cash value life insurance in part because, I mean, it is so stable. I mean, seriously, it is incredibly stable. If you look at the environment that we're in right now, it makes you, again, think you should be buying more cash value life insurance. It's extremely stable.
And this is why it was such a big deal during the Great Depression. People lived through the Depression and had no faith in anything except for cash value life insurance, which is what they were buying. But anyway, I think, in particular, I'm talking about these strategies that we're calling, well, formula banking or various leverage dials, wealth accelerators, things like that.
So there's that. I'm also obviously into other things that we have in our group. We're involved with like ATMs, which, you know, don't seem to have much correlation with the economy per se because people who use that still needed it. Good times or bad and did well even through COVID. You know, there's also things that we're doing, like I'm invested in things like, you know, cargo ships that are delivering essential oil and gas to the country, things like that, where again, it's not something that is significantly correlated with the rest of the markets.
And I think that's one of the things to really make sure that you're not... I mean, listen, I guess in my case, being 75% real estate, I mean, it's not a good time to be 75% real estate right now. Right. I probably... I mean, if I did the numbers, I'm probably less than 75% real estate now because I probably lost quite a bit of value in the real estate.
But I'm not even going to look at that right now for this purpose. But ultimately, though, you know, listen, personal finance should be personal. I don't own stocks, although I'm not against stocks. I'm just, you know, not a guy who really owns stocks except for some big, really, you know, asymmetric plays in the energy space, you know, through Mercatus and things like that.
I don't own any physical gold, although again, I've talked about possibly wanting to do that. I don't really want to right now, but I'm hoarding cash right now because I think there are going to be tremendous buying opportunities in real estate with distressed assets, and I think that's going to be the name of the game in Q4. So but again, I do not think it's a good idea to listen to me about portfolios.
I think I think it's if you want those kinds of things, you probably should, you know, talk to others, talk to, talk to, you know, our RIA's, things like that. But to me, again, personal finance is really personal. And for me, I'm, you know, I'm pretty aggressive on some of the things that I have a lot of belief in.
So, okay. Well, I guess that's my last question. Before I go, I want to remind you that there's another actually, there's actually another podcast that I do now, which is, you know, it's kind of just taking something that I was spending a lot of time learning about and and and trying to process myself and turning it into another show so that I could share with you.
The show is called CPO, CPO. You can find it on pretty much all of the ways that you find this show and
hopefully on YouTube soon too. We haven't quite gotten to YouTube, I think, but the show is, I think, very interesting because, you know, we talk about wealth on the show, but I mean, you know, what do what is more what's more coveted than, you know, actually having health because then your wealth is actually useful.
So a lot of Sabio is really about various types of longevity and wellness type stuff on the science that we know out there. Really interesting stuff to me and would love for you to check it out again at Sabio with Buck Joffrey. Check it out and let me know if you like it. Give me a positive review. That's it for me.
This week on Wealth Formula podcast, this is Buck Joffrey signing off.

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Hi everyone!
I will start an MBA this year, and would like to shift to MBB. However, MBB salaries are super high, and in southern Europe countries for example, much higher than regular compensation even at director roles.
Take for example an EM making TC 120k€/y in Spain - this salary is a VP level salary at a big corporate in Spain for example. Very few people even have a salary this high, so any exit opportunity would either:

Have to be for a very senior position, not inline with the YoE for an EM
Have to pay much much higher to a previous EM coming into a director role for example than all other directors in the company, which seems a big unrealistic to me
Be a company that already pays directors this high even non-consulting, but very very few do

Can you help me understand what happens to your salary when you exit consulting? Do you accept a lower salary for a better quality of life?
Thank you!!

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if ANYONE is interested send me a message on Fiverr
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· Sebastian Esqueda – Ecom Revolution Training Program
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· Rob Lennon – Zero to 10k Twitter Accelerator
· Rob Lennon – Next-Level Prompt Engineering with AI
· Rasmus & Christian Mikkelsen – NEW Audiobook Income Academy Download
· Grow and Convert – Customers From Content
· Charles Miller – The Writersonal Branding Playbook
· Kaye Putnam – Convert with a Quiz
· Forex Mentor – London Close Trade 2.0
· Chase Reiner – Fortune Bots Update 1
· Andrew Ethan Zeng – Social Marketing Mastery
· [Method] Upload FULL, 100% Unedited Copyrighted Videos on Youtube! Content ID DESTROYER!
· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
· Charlie Morgan – Easy Grow
· Nina Clapperton – Jasper AI Course for Bloggers
· Travis Stephenson – Simple Profit System
· Manny Khoshbin – Real Estate Starter Program
· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
· Jason Bell – Birthday Marketing Formula
· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
· Cody Wittick & Taylor Lagace – The Influencer Marketing Blueprint
· ⚡️➡️$390/Week BLUEPRINT+PROOF✅Scalable Method❤️Amazon to eBay Dropship✅
· Kody Ashmore – Simpler Trading – Drama Free Day Trades ELITE
· Youri van Hofwegen – YouTube Search Automation
· Montell Gordon – Agency Transmutation
· Csaba Borzasi – Breakthrough Conversions Academy
· Tim Denning – Twitter Badassery
· Geoff Cudd – AI Writing Course for Bloggers & Digital Marketers
· RED CPA FORMULA – UNTAPPED UNDERGROUND CPA SYSTEM
· BowtiedCocoon – Zero to $100k: Landing Any Tech Sales Role
· Holly Starks – Make LINK BUILDING Great Again!
· Mike Warren – Deeds4Cash
· BITCOIN BRITS – The Crypto Course
· Max Gilles – ⚡️☄️ UHQ Leak ❤️CPA JACKER – Epic CPA Blueprint✅⚡️
· Aidan Booth & Steve Clayton – 123 Profit Update 9
· Christina Galbato – The Influencer Bootcamp
· John Thornhill – Ambassador Program
· [Sales] 999+ Ultimate ChatGPT Prompts To Copy & Paste (250+ tasks)
· Pollinate Trading – Curvy Trading System
· Content Mavericks – The Greatest Hits Content System
· Andriy Boychuk – Flowium – Klaviyo Mastery 2.0
· Dagobert Renouf – How To Dominate Twitter (Advanced Growth Bundle)
· Darius Lukas – ⭐ The Marketer’s Bible to ChatGPT ✅ 1000+ ChatGPT Prompts to Copy, Paste & Scale
· Billy Gene – 5 Day A.I. Crash Course for Marketers
· Alex Cattoni – Posse Eye Brand Voice Challenge Program
· Casey Zander – YouTube Fame Game Blueprint
· Harlan Kilstein – Midjourney Mastery
· Shawna Newman – YouTube for Niche Sites
· [Marketing] 1099+ Ultimate ChatGPT Marketing Prompts To Copy & Paste (200+ tasks)
· Karen Foo – Star Traders Forex Intermediate Course
· TheMacLyf – Hive Mind & Masterclass (Onlyfans Course)
· Brittany Lewis – Top Seller Secret
· Dan Henry – Facebook Ads for Entrepreneur
· Russ Horn – Ultra Blue Forex
· Scott Phillips – Crypto Salary System
· Roland Frasier – AI Powered Expert Apprentice + Update 1
· Roger & Barry – Give Academy 1k/Day Platinum Mastermind [COMPLETE with LATEST UPDATE]
· Bretty Curry (Smart Marketer) – Smart Amazon Ecommerce
· Steven Dux – Traders Edge 2023
· Aidan Booth & Steve Clayton – 123 Profit
· Allie Bjerk – Tiny Offer Lab
· Dicke Bush – Generate 10x More Content Using AI
· Mateusz Rutkowski – New Money Blueprint
· Smart Raja Concepts (SRC) – Forex 101
· Chase Reiner – Short Form Riches Bootcamp 2023 – AI ChatGPT Bot Update 3
· Chase Reiner – AI Profits
· Travis Sago – Cold Outreach & Prospecting AMA Offer (Best Value with All Bonuses)
· Live Traders – Professional Trading Strategies
· Allan Dib – The 1-Page Marketing Plan Course
· Dan Koe – Digital Economics Masters Degree
· The Trading Guide – The Gold Box Strategy
· The Complete XAUUSD GOLD Forex Scalping System On Real Trading Account
if ANYONE is interested send me a message on Fiverr
==> https://bazarcom.org/Biahezacourse

Background: My first role I was a business intelligence analyst (8 years) and now I'm a senior marketing analyst in B2B SAAS industry (9 months in new role making 120K salary). I work alongside Director of Digital marketing and Demand Generation manager. A lot of my role is creating reports and dashboards using tools like Marketo, Salesforce, Google/FB Ads, Google analytics, Tableau.
Goal: For my next career, I would like a more communication type role (traveling, client relationships, still being in software tech). My main concern is I don't want to have a drop in salary.
I've been doing endless research on these roles that I'm thinking match my criteria (if there are any other role besides these I'm open to looking into):

Tech sales
Consulting roles (I'm not sure what particular roles are out there)
Client Relationship manager
Business Development manager

Is this a smart idea? Any you would recommend? Any advice would be greatly appreciated

I have 1 year of experience doing Security consulting (new grad) and got a great salary starting out at a F50.
Just got another offer for 30% more pay. New role seems fun and interesting where I'd actually be learning important things.
At my current employer, projects are very scarce. Expecting a promotion after summer but not sure how that's going to happen if i don't find a project and im not meeting utilization quotas. Max pay increase i can expect seems to Be 15% at current employer with promotion. My latest project ive learned just about nothing new/important. But, it has a great brand name and I get any interview i want just because I have this big F50 company on my resume.
Not sure what to do. Ideas?

Recently I got shortlisted for interview at Deloitte but it is not profile which aligns with my interests, it is financial advisory(forensics and compliance )and I’m much more interested in profiles like Marketing analyst, Market research analyst or Management consultant.
I’m in doubt just because it is Deloitte whether I should go ahead or not?
Thanks for answering

https://www.businessinsider.com/sweden-work-life-balance-american-expat-happiness-burnout-2023-5

Tess Meyer, a 30-year-old consultant from California, moved to Sweden after struggling with burnout.
Now she rarely works overtime, gets six weeks of paid vacation a year, and got a free master's.
But it took her two years to secure a full-time job and her salary is lower than it was in the US.

https://preview.redd.it/xbbmvwk05y2b1.jpg?width=1280&format=pjpg&auto=webp&s=116c1a4c80219604524cc4a321c8086cdb93a5a7
if ANYONE is interested send me a message on Fiverr
==> https://bazarcom.org/Biahezacourse
NEW COURSES (Included when buying my whole collection!):
· ⭐Iman Gadzhi – Agency Navigator 2023
· ⭐Sam Ovens - Consulting Accelerator 2023
· ⭐Cole Gordon – 30 Day Closer
· ⭐Montell Gordon - Agency Transmulation
· ⭐Charlie Morgan - Easygrow Course
· ⭐Sebastian Esqueda - Ecom Revolution
· ⭐Biaheza Droppshiping Course 2023
· Andrew Tate – Courses Bundle
· Charlie Morgan - Imperium Agency
· Charlie Morgan - Gym Growth Accelerator
· Biaheza - Full Dropshipping Course 2023
· Jordan Welch - The Reveal 2023
· Savannah Sanchez - TikTok Ads Course 2023
· Iman Gadzhi - Copy Paste Agency
· Sam Ovens - UpLevel Consulting
· Miles – The FBA Roadmap + The Profit Vault
· Andrew Giorgi – Amazon Dropshipping Course
· Sebastian Esqueda – Ecom Revolution Training Program
· Luca Netz – Advanced Dropshipping 2023
· Kevin King – Freedom Ticket 3.0
· Jordan Platten – LearnAds – Facebook Ads Pro 2023
· Miles – The FBA Roadmap + The Profit Vault
· Dan Vas – Ecom Freedom Shopify Blueprint 2023
· Alexander J.A Cortes - WiFi Money Machine
· Kody Knows - Native Mastery
· Bastiaan Slot - Six Figure Consulting
· Kaibax - Centurion agency
· Joe Robert - Print On Demand Accelerator
· Ryan Hogue - Ryan's Method Dropshipped POD
· Kevin Zhang - Ecommerce Millionaire Mastery
· Ryan Lee – 48 Hour Continuity
· [METHOD] ⚡️TikTok Algorithm Domination Skyrocket your engagement TODAY Updated 2023✨
· Troy Ericson – Email List Management Certification
· Larry Goins – Filthy Riches Home Study Course
· Ry Schwartz – Automated Intimacy
· Patrick Bet-David – All Access Bundle
· Andrea Unger – Master the Code & Go LIVE
· Jon Benson – 10 Minute Sales Letter
· Alen Sultanic – Automatic Clients & Bonuses
· Taylor Welch – Cashflow for Consultants
· Akeem Reed – Slingshot Rental Blueprint
· The Futur Greg Gunn – Illustration for Designers
· Trading180 – Supply And Demand Zone Trading Course
· Jim McKelvey (Foundr) – How To Build An Unbeatable Business
· Master of AI Copy – Copy School by Copyhackers
· Copyhackers – Copy School 2023
· Matei – Gann Master Forex Course
· YOYAO Hsueh – Topical Maps Unlocked
· Tyler McMurray – Facts Verse Youtube Automation Course
· Ashton Shanks – 7 Day Copywriting Challenge Featuring ChatGPT
· Rene Lacad – Rockstar Marketing Blueprint
· Top Trade Tools – Hedge Fund Trender
· Brandi Mowles – Conversion For Clients
· Glen Allsopp – SEO Blueprint 2 (DETAILED)
· Trading Busters – Prop Trading Formula Course
· Sam Woods – The AI Copywriting Workshop (Complete Edition)
· Brian Anderson – Recovery Profit System
· LOW COMPETITION KEYWORDS IN MINUTES ⚡ 70+ REVIEWS ✅ BONUS PDF WORTH $200+
· Devon Brown – Easiest System Ever
· Duston McGroarty – St. Patrick’s Day 2023 Live Event
· Dan Wardrope – Click & Deploy Sales Android
· Lost Boys Academy – How To Make Life Changing Money With OnlyFans!
· WealthFRX Trading Mastery Course 2.0
· TOM & HARRY – Digital Culture Academy
· 100+ Cold Email Templates
· [METHOD] ✅ Make Real Cash with Auto Blogging ⛔Get $1199 Worth of Resources ❌ CUSTOMIZED SECRET PROCESS⚡DONE FOR YOU SITE ⭐ Unlimited Niche Opportunity & So on
· Tobias Dahlberg – Brand Mastery
· Raul Gonzalez – Day Trading Institution 2.0
· Rasmus & Christian Mikkelsen –Impact Academy 2023
· [METHOD] ☢️ The Quick eBay Money Loophole Guide ☢️
· Apteros Trading – March 2023 Intensive
· Rob Lennon – Zero to 10k Twitter Accelerator
· Rob Lennon – Next-Level Prompt Engineering with AI
· Rasmus & Christian Mikkelsen – NEW Audiobook Income Academy Download
· Grow and Convert – Customers From Content
· Charles Miller – The Writersonal Branding Playbook
· Kaye Putnam – Convert with a Quiz
· Forex Mentor – London Close Trade 2.0
· Chase Reiner – Fortune Bots Update 1
· Andrew Ethan Zeng – Social Marketing Mastery
· [Method] Upload FULL, 100% Unedited Copyrighted Videos on Youtube! Content ID DESTROYER!
· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
· Charlie Morgan – Easy Grow
· Nina Clapperton – Jasper AI Course for Bloggers
· Travis Stephenson – Simple Profit System
· Manny Khoshbin – Real Estate Starter Program
· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
· Jason Bell – Birthday Marketing Formula
· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
· Cody Wittick & Taylor Lagace – The Influencer Marketing Blueprint
· ⚡️➡️$390/Week BLUEPRINT+PROOF✅Scalable Method❤️Amazon to eBay Dropship✅
· Kody Ashmore – Simpler Trading – Drama Free Day Trades ELITE
· Youri van Hofwegen – YouTube Search Automation
· Montell Gordon – Agency Transmutation
· Csaba Borzasi – Breakthrough Conversions Academy
· Tim Denning – Twitter Badassery
· Geoff Cudd – AI Writing Course for Bloggers & Digital Marketers
· RED CPA FORMULA – UNTAPPED UNDERGROUND CPA SYSTEM
· BowtiedCocoon – Zero to $100k: Landing Any Tech Sales Role
· Holly Starks – Make LINK BUILDING Great Again!
· Mike Warren – Deeds4Cash
· BITCOIN BRITS – The Crypto Course
· Max Gilles – ⚡️☄️ UHQ Leak ❤️CPA JACKER – Epic CPA Blueprint✅⚡️
· Aidan Booth & Steve Clayton – 123 Profit Update 9
· Christina Galbato – The Influencer Bootcamp
· John Thornhill – Ambassador Program
· [Sales] 999+ Ultimate ChatGPT Prompts To Copy & Paste (250+ tasks)
· Pollinate Trading – Curvy Trading System
· Content Mavericks – The Greatest Hits Content System
· Andriy Boychuk – Flowium – Klaviyo Mastery 2.0
· Dagobert Renouf – How To Dominate Twitter (Advanced Growth Bundle)
· Darius Lukas – ⭐ The Marketer’s Bible to ChatGPT ✅ 1000+ ChatGPT Prompts to Copy, Paste & Scale
· Billy Gene – 5 Day A.I. Crash Course for Marketers
· Alex Cattoni – Posse Eye Brand Voice Challenge Program
· Casey Zander – YouTube Fame Game Blueprint
· Harlan Kilstein – Midjourney Mastery
· Shawna Newman – YouTube for Niche Sites
· [Marketing] 1099+ Ultimate ChatGPT Marketing Prompts To Copy & Paste (200+ tasks)
· Karen Foo – Star Traders Forex Intermediate Course
· TheMacLyf – Hive Mind & Masterclass (Onlyfans Course)
· Brittany Lewis – Top Seller Secret
· Dan Henry – Facebook Ads for Entrepreneur
· Russ Horn – Ultra Blue Forex
· Scott Phillips – Crypto Salary System
· Roland Frasier – AI Powered Expert Apprentice + Update 1
· Roger & Barry – Give Academy 1k/Day Platinum Mastermind [COMPLETE with LATEST UPDATE]
· Bretty Curry (Smart Marketer) – Smart Amazon Ecommerce
· Steven Dux – Traders Edge 2023
· Aidan Booth & Steve Clayton – 123 Profit
· Allie Bjerk – Tiny Offer Lab
· Dicke Bush – Generate 10x More Content Using AI
· Mateusz Rutkowski – New Money Blueprint
· Smart Raja Concepts (SRC) – Forex 101
· Chase Reiner – Short Form Riches Bootcamp 2023 – AI ChatGPT Bot Update 3
· Chase Reiner – AI Profits
· Travis Sago – Cold Outreach & Prospecting AMA Offer (Best Value with All Bonuses)
· Live Traders – Professional Trading Strategies
· Allan Dib – The 1-Page Marketing Plan Course
· Dan Koe – Digital Economics Masters Degree
· The Trading Guide – The Gold Box Strategy
· The Complete XAUUSD GOLD Forex Scalping System On Real Trading Account
if ANYONE is interested send me a message on Fiverr
==> https://bazarcom.org/Biahezacourse

Looking for some advice here, which I may take to an accountant later.
TLDR: my wife and I have money lying about, and are saving to buy another property in 2 or 3 years - but are wondering what to do with the existing savings? Buy-to-let, and sell up in two or three years? Investments? etc.
Context:
Currently, my wife (27) and I (32) own a flat where we pay £300 a month for the mortgage currently. We have around £60,000 total left to pay. We also rent a room in our flat out, bringing in £350 - so we're making £50 a month over the mortgage payment.
We have no car at the moment (we live in a city and don't really need it), no kids (nor any planned), and low expenses (we spent a year travelling, but are back now and saving rapidly).
Some figures:

I earn around £80,000 on average per year (this can vary YTY, as I do a lot of short-term consulting)
Wife earns £38,000 per year (salaried)
I currently have £25,000 in my personal account, and £52,000 in a business account (for the consulting role, built up over 3 years, some of which I take as PAYE)
Wife has around £18,000 in a personal account
We have £13,000 currently invested in Vanguard index funds
I'm earning a small amount of extra money (~£3,000 per year) from a side-project that I'm hoping to keep building up.
We have maxed out the yearly overpayment threshold for our current mortgage

What would people here advise in this position? We would like to get a bigger house after 2 or 3 more years, and I know we need cash for that, but is there a better option in the meantime for the money we have in the bank (and coming in month-to-month)?

Is buy-to-let a viable option for a short time, and then sold on later? I hear mixed opinions about this.
I would invest lots more into the index funds, but we do want to use the money to buy a house in the future (and hopefully not sell the existing property). So we might not be in it for the long-haul, and who knows what could happen in a few years in the market.
I'm work in tech, but I'm not interested in crypto - zero interest in getting involved in this.
We have a few holidays planned, but will still have a lot left over after these are paid.

Thanks for any advice.

I’m about to hit the big five-oh in age (where the hell did the time go?!?) and am gainfully employed but kicking around the idea of early retirement. The sensible side of me says keep working. My job is annoying but it isn’t terribly difficult. Sometimes it gets in the weeds so to speak and can be stressful but I would say 80% of the time, I’m pretty much on auto pilot at work. My direct supervisor kinda sucks but the director is one of the most awesome humans I’ve ever met.
I have a friend who retired recently. He totally retired. His financial picture is almost $1 million spread out over different types of accounts (brokerage, IRA, etc.) He also has a military pension. I think his pension is a little over $3000/month. He has pointed out how I really wanna do stuff like travel but can’t because of job. I mean, I can travel but only for like a week or so at a time. Friend says I should retire. I’m skeptical. To be clear- I am not depending on my buddy for financial planning and advice. He knows I want to retire and pointed out that I probably could. As the sale of the business changed my trajectory, I am researching financial advisors and plan to set up consultations when I can.
My financial picture is as follows: annual salary is $125k. Also have a military pension of $2400/month. As retired military, I have healthcare coverage taken care of. I currently have about $425k or so in different accounts (brokerage, 401k, IRA, crypto, etc.) I was a partner in a business with a couple other people. We sold the business. The payout from the business is staggered so I’ve already received some money. The rest is coming later (like next month.) All total, my payout form the sale of the business will be around $800k net. I also own a couple properties and have approximately $250k or so in equity. If I pull the plug, I would sell the properties. So at the end of the day, I would have about $1.5 million give or take. My friend says this with my pension is plenty. Also, my current job comes with a pension. Retiring early would mean a financial hit to the pension and I can’t start taking the pension for another 10-12 years (I’m not exactly sure when I can start it) but it would be additional money each month.
Obviously this is my decision but what would you do? I’m single with no kids. On the one hand, the idea of retiring sounds fantastic. But then I worry maybe I don’t have enough money to fully retire. Inflation is especially troubling to me. Also being that I’m turning 50 soon, I feel pretty confident that age discrimination is a real thing if I decide to try to come back to the workforce. I keep hearing no one hires people older than 50. My thought is, if I decide to pull the plug now, I would sell my car and put the stuff I want to keep in storage and just travel. After getting the travel out of my system, I foresee buying a small house in a LCOL area and getting to work on my hobbies.

https://preview.redd.it/xbbmvwk05y2b1.jpg?width=1280&format=pjpg&auto=webp&s=116c1a4c80219604524cc4a321c8086cdb93a5a7
if ANYONE is interested send me a message on Fiverr
==> https://bazarcom.org/Biahezacourse
NEW COURSES (Included when buying my whole collection!):
· ⭐Iman Gadzhi – Agency Navigator 2023
· ⭐Sam Ovens - Consulting Accelerator 2023
· ⭐Cole Gordon – 30 Day Closer
· ⭐Montell Gordon - Agency Transmulation
· ⭐Charlie Morgan - Easygrow Course
· ⭐Sebastian Esqueda - Ecom Revolution
· ⭐Biaheza Droppshiping Course 2023
· Andrew Tate – Courses Bundle
· Charlie Morgan - Imperium Agency
· Charlie Morgan - Gym Growth Accelerator
· Biaheza - Full Dropshipping Course 2023
· Jordan Welch - The Reveal 2023
· Savannah Sanchez - TikTok Ads Course 2023
· Iman Gadzhi - Copy Paste Agency
· Sam Ovens - UpLevel Consulting
· Miles – The FBA Roadmap + The Profit Vault
· Andrew Giorgi – Amazon Dropshipping Course
· Sebastian Esqueda – Ecom Revolution Training Program
· Luca Netz – Advanced Dropshipping 2023
· Kevin King – Freedom Ticket 3.0
· Jordan Platten – LearnAds – Facebook Ads Pro 2023
· Miles – The FBA Roadmap + The Profit Vault
· Dan Vas – Ecom Freedom Shopify Blueprint 2023
· Alexander J.A Cortes - WiFi Money Machine
· Kody Knows - Native Mastery
· Bastiaan Slot - Six Figure Consulting
· Kaibax - Centurion agency
· Joe Robert - Print On Demand Accelerator
· Ryan Hogue - Ryan's Method Dropshipped POD
· Kevin Zhang - Ecommerce Millionaire Mastery
· Ryan Lee – 48 Hour Continuity
· [METHOD] ⚡️TikTok Algorithm Domination Skyrocket your engagement TODAY Updated 2023✨
· Troy Ericson – Email List Management Certification
· Larry Goins – Filthy Riches Home Study Course
· Ry Schwartz – Automated Intimacy
· Patrick Bet-David – All Access Bundle
· Andrea Unger – Master the Code & Go LIVE
· Jon Benson – 10 Minute Sales Letter
· Alen Sultanic – Automatic Clients & Bonuses
· Taylor Welch – Cashflow for Consultants
· Akeem Reed – Slingshot Rental Blueprint
· The Futur Greg Gunn – Illustration for Designers
· Trading180 – Supply And Demand Zone Trading Course
· Jim McKelvey (Foundr) – How To Build An Unbeatable Business
· Master of AI Copy – Copy School by Copyhackers
· Copyhackers – Copy School 2023
· Matei – Gann Master Forex Course
· YOYAO Hsueh – Topical Maps Unlocked
· Tyler McMurray – Facts Verse Youtube Automation Course
· Ashton Shanks – 7 Day Copywriting Challenge Featuring ChatGPT
· Rene Lacad – Rockstar Marketing Blueprint
· Top Trade Tools – Hedge Fund Trender
· Brandi Mowles – Conversion For Clients
· Glen Allsopp – SEO Blueprint 2 (DETAILED)
· Trading Busters – Prop Trading Formula Course
· Sam Woods – The AI Copywriting Workshop (Complete Edition)
· Brian Anderson – Recovery Profit System
· LOW COMPETITION KEYWORDS IN MINUTES ⚡ 70+ REVIEWS ✅ BONUS PDF WORTH $200+
· Devon Brown – Easiest System Ever
· Duston McGroarty – St. Patrick’s Day 2023 Live Event
· Dan Wardrope – Click & Deploy Sales Android
· Lost Boys Academy – How To Make Life Changing Money With OnlyFans!
· WealthFRX Trading Mastery Course 2.0
· TOM & HARRY – Digital Culture Academy
· 100+ Cold Email Templates
· [METHOD] ✅ Make Real Cash with Auto Blogging ⛔Get $1199 Worth of Resources ❌ CUSTOMIZED SECRET PROCESS⚡DONE FOR YOU SITE ⭐ Unlimited Niche Opportunity & So on
· Tobias Dahlberg – Brand Mastery
· Raul Gonzalez – Day Trading Institution 2.0
· Rasmus & Christian Mikkelsen –Impact Academy 2023
· [METHOD] ☢️ The Quick eBay Money Loophole Guide ☢️
· Apteros Trading – March 2023 Intensive
· Rob Lennon – Zero to 10k Twitter Accelerator
· Rob Lennon – Next-Level Prompt Engineering with AI
· Rasmus & Christian Mikkelsen – NEW Audiobook Income Academy Download
· Grow and Convert – Customers From Content
· Charles Miller – The Writersonal Branding Playbook
· Kaye Putnam – Convert with a Quiz
· Forex Mentor – London Close Trade 2.0
· Chase Reiner – Fortune Bots Update 1
· Andrew Ethan Zeng – Social Marketing Mastery
· [Method] Upload FULL, 100% Unedited Copyrighted Videos on Youtube! Content ID DESTROYER!
· Digital Daily – Top 150 ChatGPT Prompts to Make your Life Easy
· Patek Fynnip – Psychology Course
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· [METHOD] ⚡ See the MAGIC of Bulk Posting ✨ Untapped Method ✅ [ BONUS ChatGpt and Affiliate list Pdf]✅
· ⭕️ YouTube Content Machine – Unlimited FREE traffic for CPA – Fully Automated Method ⭕️
· Jakob Greenfeld – Scraping The Web For Fun and Profit
· Adrian Twarog – OpenAI Template Starter Kit for ChatGPT / GPT3
· The Secret Merchants List of Over 2000+ Dropshippers and Amazon FBA Suppliers Based in The US
· Top Trade Tools – Top Swing Trader Pro
· Charlie Houpert – Charisma University 2023
· ▶️ [METHOD + GUIDE] ✅ Make Money ✅ with Kindle Books ⚠️ Even if You Can’t Write ⚠️ [STEP-BY-STEP] ⚡ NO INVESTMENT REQUIRED! ⚡
· Charlie Morgan – Easy Grow
· Nina Clapperton – Jasper AI Course for Bloggers
· Travis Stephenson – Simple Profit System
· Manny Khoshbin – Real Estate Starter Program
· Tanner Henkel & Jerrod Harlan – 7-Figure Email Machine
· [METHOD] Stop Wasting Money on AI Writers Train And Fine-Tune Your Own AI For Free With No Code ⚡⚡⚡Real Method & Practice Examples ⚡⚡
· Creator Hooks – YouTube Title Mastery
· Thomas Frank – Creator’s Companion (Ultimate Brain Edition)
· Sean Dollwet – Royalty Hero
· Jason Bell – Birthday Marketing Formula
· NXT Level FX – Investors Domain
· [METHOD] ⏩ My ETSY $40K~ Passive Income 2023 + HOT Products (Earning Proof) ⏪ Make Money No Marketing Easy $40K~ Guide FOR NOOBS ✅
· Rob Jones & Gerry Cramer – Profit Singularity Ultra Edition 2022 (AI & ChatGPT)
· Cody Wittick & Taylor Lagace – The Influencer Marketing Blueprint
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