# How to Build Your First $100K (The 3-Account Rule)

An episode of [Earn Your Leisure](https://invisiblenetwork.ai/podcast/1450211392), 23 Aug 2026, 11 min.

Audio: https://podtrac.com/pts/redirect.mp3/traffic.omny.fm/d/clips/e73c998e-6e60-432f-8610-ae210140c5b1/8dbc4f54-a337-4481-9ef2-b355012b0a3d/e067af12-0e79-498c-b48c-b4ae00e9d53a/audio.mp3?utm_source=Podcast&in_playlist=eac4c628-29cb-469a-b5c8-b355012b0a48

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## Transcript

[0:00] Speaker 1: Absolutely not.
[0:02] Speaker 2: New ETF alert, New ETF alert. I want you to
[0:04] Speaker 2: write this down, put this in your notes. I feel
[0:07] Speaker 2: like we're about to have another moment. And if you've
[0:10] Speaker 2: been watching ETFs its interest. I was listening to Josh Brown.
[0:14] Speaker 2: They were talking about ETFs and the amount of ETFs
[0:16] Speaker 2: that have come online in the past six years. I
[0:21] Speaker 2: had no idea, right, So I think in twenty twenty
[0:23] Speaker 2: one there were two hundred and six ETFs in existence.
[0:27] Speaker 2: Last year alone, nine hundred and sixty were created, and
[0:30] Speaker 2: this year they said that they're going to pass that number.
[0:33] Speaker 2: So you're talking about over two thousand ETFs in the
[0:35] Speaker 2: past three years, which tells me index funds and mutual funds.
[0:41] Speaker 1: That's gonna be tough. That's gonna be tough because these
[0:43] Speaker 1: more products are being created.
[0:45] Speaker 2: But the new ETF that I'm looking at, and it's
[0:48] Speaker 2: something that just came online on August Sith goes back
[0:52] Speaker 2: into the story where we were talking about this AI
[0:54] Speaker 2: infrastructure space and the idea of how information and data
[0:59] Speaker 2: is going to travel.
[1:02] Speaker 1: Am I, I don't know.
[1:04] Speaker 2: We're talking about photonics, and so photonics really just means
[1:08] Speaker 2: how data is using light to transfer data which makes
[1:11] Speaker 2: it a lot faster, more efficient, and that is where
[1:15] Speaker 2: it's headed in terms of data transfer inside of the
[1:19] Speaker 2: actual data centers. So if you look at Nvidia their
[1:21] Speaker 2: partnership with GLW, Apple's partnership with GLW, which is corning
[1:26] Speaker 2: for those not and to know if you watch what
[1:29] Speaker 2: in Nvidia has invested in in terms of Coherent, in
[1:31] Speaker 2: terms of momentum.
[1:33] Speaker 1: Those companies are leading. Now we saw a correction in
[1:36] Speaker 1: that space.
[1:36] Speaker 2: So like under the story of memory being corrected, we
[1:40] Speaker 2: saw the photonic space be corrected. And now quietly it's kept.
[1:45] Speaker 2: We've watched them rebound. Nobody's talking about it. But if
[1:48] Speaker 2: you look at what Loumentum has done, the ticker is
[1:50] Speaker 2: l T E l I T is the ticker. It's
[1:54] Speaker 2: rebounded here right, we're going to retest one thousand very shortly.
[1:58] Speaker 1: Coherent.
[1:59] Speaker 2: I just told you about how reported and how time
[2:03] Speaker 2: will you know if you were trying to get these dailies?
[2:04] Speaker 1: Are you trying to get the weeklies?
[2:05] Speaker 2: It didn't work in your favorite Coherent closed that three
[2:08] Speaker 2: fifty one. It's going to test it all time highs
[2:11] Speaker 2: and so some of people looking like, hey, I missed
[2:13] Speaker 2: the boat. These stocks are pretty high. Well, they just
[2:16] Speaker 2: created photonics etr right, just took it down.
[2:20] Speaker 1: L y t E l y t. Why is that important?
[2:24] Speaker 2: For the same reason when I was telling you about DRAM,
[2:27] Speaker 2: when you said Sanders has run, we can't afford it
[2:30] Speaker 2: from an individual standpoint, and Micron has run and we
[2:33] Speaker 2: can't invest in it from an individual standpoint. This now
[2:37] Speaker 2: gives you an allocation to a space that is going
[2:40] Speaker 2: to lead. It is necessary inside of the AI infrastructure,
[2:44] Speaker 2: specifically the data SAT data center space to how information
[2:48] Speaker 2: will be transferred number one more efficient, number one faster,
[2:52] Speaker 2: number two faster, way faster, if you're looking to have
[2:55] Speaker 2: exposure to the photonic space. Because yeah, to invest in
[2:59] Speaker 2: so many companies Troy and not number one. I look
[3:02] Speaker 2: at Hey, what is N'tvidia invested in? What's in the
[3:05] Speaker 2: fun who are they spending with?
[3:07] Speaker 3: Right?
[3:07] Speaker 2: If you look at that, that's that sometimes they have that,
[3:10] Speaker 2: that's that pie chart of the companies they're investing. Look
[3:14] Speaker 2: at them, Synopsis, cadence, we've spoke about that in detail,
[3:17] Speaker 2: coherent momentum, even SpaceX. Now there's a reason why. Now
[3:22] Speaker 2: you could say circular economy. But they are protecting their
[3:24] Speaker 2: interests and they're becoming the central bank. So they're loaning
[3:27] Speaker 2: out the money and they're loaning out the product and
[3:29] Speaker 2: they getting return on investment. This is a sector sub
[3:34] Speaker 2: sector really that we need to make sure that we're
[3:36] Speaker 2: involved in. If you and if you feel like, hey,
[3:39] Speaker 2: you know, I got so many individual equities. I don't
[3:42] Speaker 2: know if I want to pay nine hundred dollars for light.
[3:44] Speaker 2: I understand the story. But the other opportunities, this will
[3:47] Speaker 2: be an opportunity, just like when we talked about GV
[3:50] Speaker 2: in terms of energy and we talked about Caterpillar. This
[3:53] Speaker 2: will be a sector and this is an ETF that
[3:55] Speaker 2: you should have on your watch list and potentially potentially
[3:59] Speaker 2: maybe make a call.
[3:59] Speaker 1: On L Y t E.
[4:01] Speaker 2: Don't say you heard it anywhere else, you heard it here.
[4:04] Speaker 2: It just opened that sweet all right, you put on
[4:07] Speaker 2: your watch list.
[4:08] Speaker 1: We're both thinking the same thing.
[4:09] Speaker 4: That just expressed it in different ways that investmentst I
[4:12] Speaker 4: talked about EV so you said, yeah, so I like
[4:16] Speaker 4: it if we get back down to twenty one dollars
[4:19] Speaker 4: and thirty nine cent. I like that for entry. But
[4:22] Speaker 4: I definitely agree. Some of the companies are so phenomenal.
[4:25] Speaker 4: They are pricey, though so if you want a cheaper
[4:27] Speaker 4: way to do so, I think for those of you
[4:29] Speaker 4: who are asking, hey, I need two more or one
[4:31] Speaker 4: more to invest in, you can't go wrong with L
[4:34] Speaker 4: Y T or my selection at EV So break minds,
[4:38] Speaker 4: think alike. Damn the five hundred people missed out on the.
[4:44] Speaker 2: It's it's that they'll be like yo, yo, They're gonna
[4:46] Speaker 2: wait till they see it on Instagram.
[4:48] Speaker 1: Yeah, it's gonna be the voice over you know what
[4:51] Speaker 1: the next et F is.
[4:54] Speaker 3: Know, they're gonna be the people on Instagram like yo, y'all.
[4:56] Speaker 3: Never y'all, don't dive any value. You'll only wait so
[5:00] Speaker 3: things go up for you.
[5:01] Speaker 1: Now was the older you? The newer you is really
[5:04] Speaker 1: focusing on the people that are here taking advantage of
[5:07] Speaker 1: this moment.
[5:09] Speaker 3: Seven seven financial moves before forty. I'm gonna save seven
[5:12] Speaker 3: because I've seen this question online and I'll let everybody
[5:16] Speaker 3: chiming if you're interested. But real quick, all right, if
[5:20] Speaker 3: you're not forty yet, for the young world out there,
[5:24] Speaker 3: you're in your twenties, you're in your thirties, definitely got
[5:27] Speaker 3: to have three to six months of an emergency fund,
[5:28] Speaker 3: because that's important. I always tell people. Even before you
[5:31] Speaker 3: start investing. You got to learn and save money. Anything
[5:34] Speaker 3: could happen. The average person I think is like probably
[5:38] Speaker 3: a couple paychecks away from really being in a financial disaster.
[5:41] Speaker 3: Damn they're homeless. So man, the job market is crazy
[5:46] Speaker 3: right now. Nothing is certain. So learn to save discipline,
[5:51] Speaker 3: you create a budget, learn to save, put money away
[5:54] Speaker 3: three to six months for save for expenses. Try to
[5:58] Speaker 3: eliminate high interest debt credit card credit cards especially, try
[6:03] Speaker 3: to eliminate that. We've got shows on how to eliminate
[6:06] Speaker 3: that snowball method, all types of different stuff, but try
[6:09] Speaker 3: to eliminate high interest debt. Stay away from high interest debt.
[6:12] Speaker 3: All debt's not bad debt, but high interest credit card
[6:15] Speaker 3: debt is bad debt. Maximize your retirement accounts. If you
[6:21] Speaker 3: have a four to one k at your job, contribute
[6:23] Speaker 3: to the match raw Ira Ira. We got a bunch
[6:28] Speaker 3: of videos about that. If you're a business owner, there's
[6:30] Speaker 3: a step Ira simple Ira. Put money away for your retirement.
[6:34] Speaker 3: It has especially if you're not doing the ro off,
[6:37] Speaker 3: you're going to get a tax benefit from it. If
[6:39] Speaker 3: you are doing the row if you won't get a
[6:41] Speaker 3: tax benefit, but it's going to be tax free money
[6:43] Speaker 3: down the line, which none of your other money will
[6:45] Speaker 3: be tax free. That's the only money that you won't
[6:46] Speaker 3: have to pay taxes on. Build your first one hundred
[6:51] Speaker 3: thousand dollars portfolio. That should be your goal is to
[6:53] Speaker 3: get to one hundred thousand. The first before you first
[6:57] Speaker 3: goal is to get to ten thousand. Get to ten thousand,
[6:59] Speaker 3: then you get to one hundred thousand, Then you start
[7:02] Speaker 3: to play. Once you get to one hundred thousand, now
[7:04] Speaker 3: you get you got momentum at your back. But the
[7:06] Speaker 3: first thing you gotta do is get that hundred thousand.
[7:09] Speaker 3: Whatever you gotta do change, you got to stay home
[7:12] Speaker 3: for two years. If you just get to the hundred thousand,
[7:16] Speaker 3: it's gonna put win behind your back and then you're
[7:19] Speaker 3: going to start to really get in your in your
[7:22] Speaker 3: in your in, your in your groove.
[7:24] Speaker 1: That's the number too. I'm glad you said that.
[7:26] Speaker 3: One hundred thousand. So man, SMH. I made a lot
[7:30] Speaker 3: of money on SMH QQQ. I've been talking about QQQ
[7:34] Speaker 3: for so long. You know, you got the S and
[7:37] Speaker 3: P five hundred, you got vo O VT I, put
[7:40] Speaker 3: together your portfolio. Put together your portfolio. Stick with your portfolio.
[7:46] Speaker 3: Be focused on your portfolio, focus on what you're investing.
[7:49] Speaker 3: Get to that hundred thousand. That's vitally important. Dollar cost average,
[7:52] Speaker 3: every single month, dollar cost average. Just I can't say
[7:55] Speaker 3: this enough. Dollar cost average. Figure out how much money
[7:57] Speaker 3: you can put away, and put that away every single
[8:00] Speaker 3: When you get the tax free front, put that money
[8:02] Speaker 3: into the market. Get one hundred thousand, get your hundred thousand.
[8:07] Speaker 3: Get life insurance for sure. M hm, Okay, this is
[8:16] Speaker 3: vitally important. Because you're healthy nine times out of ten,
[8:20] Speaker 3: your health is not always going to be there. I
[8:22] Speaker 3: ain't thinking happen when you're young. The premiums are lower
[8:26] Speaker 3: and you're healthy, so you can you can get it
[8:28] Speaker 3: even if you don't have a family. Get insured, get
[8:31] Speaker 3: life insurance, get disability insurance. Get insured. That is very
[8:35] Speaker 3: very very important. Creator will in a state plan. Once again,
[8:39] Speaker 3: you can always change and you can update it. The
[8:41] Speaker 3: earlier you do it, the better. And the last thing
[8:46] Speaker 3: I'll say is create a budget for sure. I'll say
[8:51] Speaker 3: to create a budget. Budgeting is the most underrated thing
[8:55] Speaker 3: when it comes to me.
[8:55] Speaker 1: Even even if you're rich, live within a budget.
[9:00] Speaker 3: Create a budget and have and and also create your
[9:04] Speaker 3: financial freedom number. That way that you you have something
[9:07] Speaker 3: to work towards. We need as human beings, we need
[9:10] Speaker 3: goals to work towards. If you have a number, put
[9:13] Speaker 3: it on your ceiling, put it on your phone, have
[9:16] Speaker 3: it as your screen saver, and just every single day
[9:20] Speaker 3: look at that number, because psychologically, that's going to force
[9:23] Speaker 3: you to work hard, to make sacrifices, be more disciplined.
[9:28] Speaker 2: Yeah.
[9:30] Speaker 1: Yeah, somebody asked a question. I thought it was a
[9:33] Speaker 1: really good question.
[9:33] Speaker 2: It's that what's the difference between e u V, the
[9:36] Speaker 2: ETF and l y T E both are light based manufacturing.
[9:42] Speaker 2: I think you would think of it in terms of
[9:44] Speaker 2: what's the difference between SMH and d RAM, right, Where
[9:49] Speaker 2: Like SMH has a lot of the semis, it has Nvidia,
[9:53] Speaker 2: has TSM, it has Broadcom, has Micron as Texas Instrument
[9:58] Speaker 2: has a m D So it's a broad range where
[10:00] Speaker 2: DRAM is very specific to memory where it has s
[10:03] Speaker 2: K Heinex, it has Samsung and has Micron, Sanz, SAGAD
[10:07] Speaker 2: and Western Digital.
[10:08] Speaker 1: All inside of that.
[10:09] Speaker 2: So when you think of EUV light base from the
[10:12] Speaker 2: manufacturing standpoint all the way down, So TSM leads that
[10:16] Speaker 2: in terms of application you got ASML apply materials lambs
[10:20] Speaker 2: in there, kl A m k l A, cornings in there,
[10:24] Speaker 2: and then momentum. You'll see them at the bottom like
[10:26] Speaker 2: Ciena's in there, coherent inside of light. The top three
[10:31] Speaker 2: momentum coherent Sienna right. So it's very hyper focused specifically
[10:37] Speaker 2: on photonics inside of the eu V lithography machine, light
[10:43] Speaker 2: manufacturing companies, so just a couple of different

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