Anthony Speciale Stock Market Analyst

Better Way to


Starting with Four Quarters on the Path to Wealth

How do we go from “broke” to “okay” to “well off” to ultimately “wealthy”?

What we aren’t taught as students at any grade level is the path to wealth. We are taught to go through the system that has been laid out for us, and most will do just that.

The “system” entails pre-school, elementary, middle and high school, undergraduate followed by graduate then on to a MBA or a Doctorate degree of some sort. 

You can do very well with that path. Just look at “Corporate America,” They require completion of the “system” in order to take part in their stature.

But, does that make you wealthy? Does that several hundred thousand dollars really define you as being wealthy? First let’s define what wealth is by definition… 

An annual income in excess of approximately $360,000 and a net worth in excess of approximately $11 million for an individual puts them within the top 1%.

Most who have worked hard through the “system” don’t make $360,000 per year nor do they have $11 million in assets. While they may live comfortably, they’re not wealthy. They’re just well off, which is great. 

How do we go from “broke” to “okay” to “well off” to ultimately “wealthy”?

Well, there’s a couple ways.  You can hit the lottery and not blow it all like most lottery winners do. Or you can do it the conservative way by dividing your income accordingly.

Since I didn’t win the lottery, I’m going to break down the way I’ve achieved wealth. I’ve done the same thing regardless of how much money I’ve made or how much I have.

I call it the Four Quarter rule. Every dollar is split four ways, or into four quarters.

The first quarter goes to the government. Now I realize we all have different tax structures, but our effective tax rates are compiled by our income, less our deductions within the guidelines of the tax code. Let’s say approximately 25% goes right to the G.

The second quarter goes towards long-term investments such as investment/income-producing real estate, portfolio investment holding positions and an active trading account. This quarter of my income is designed to be risked to earn the best returns possible!

This is where you get to compound your money. This is where your money works for you rather than you working for your money. Careful and conservative investing can offer you rewards you’ll never get anywhere else in life. It’s truly your best opportunity!

The third quarter goes into the cash pile. I know cash is dead, but you must have substantial cash reserves. Put this money into money market accounts, CDs or government backed bonds. Make sure it’s somewhere safe but also accessible. 

The fourth quarter is the quarter you live on. This is the quarter with which you pay your rent, mortgage, car payment, cell phone bill, put food on your table, buy your clothes, go out to dinner, go on vacation, provide for your family… This is the money you “live” on.

Is it hard to imagine living on only 25% of your gross income? You bet it is! But if you’re disciplined enough to do this for just a few years, you’ll live a completely different life!

Most aren’t willing to endure the discomfort that comes with doing so, and that’s why most will never become wealthy. It’s really just a simple process of give and receive.

How much are you willing to give in order to receive back tenfold in the future? It’s a very personal question and one that only you can answer for yourself…

Rules to Live By

Life isn’t about finding yourself. Life is about creating yourself.
George Bernard Shaw

Until next time, I wish you a beautiful and blessed day!

Yours In Trading Success,

Anthony Speciale Jr.

Share on facebook
Share on twitter
Share on linkedin

Leave a Reply

Your email address will not be published.

Better Way to


Subscribe today and receive daily advice right in your inbox, guiding you to a better way to wealth.