The 4 Phases of my Entrepreneurial Journey

The 4 Phases of my Journey

Profits are Better than wages

Working a full time Job I always needed a side hustle to pay for my extra circular activities I realized early on that my salary wasn’t going to cut it. I sold many things on the side from Costco Candy, Gym Shoes, Cell Phone Accessories etc…. This allowed me to have extra income and the profits would range from a few dollars to a few hundred dollars but it wasn’t enough I wanted more.


I was than Introduced to building networks and distribution. One of my favorite quotes is from J Paul Getty

“I’d rather have 1% of the effort of 100 men than 100% of my own effort.

What this taught me was I can sell and make money on my own but if I had an army selling with me I can make more money therefore exponentially growing my income.

Its a powerful concept that Robert Kiyosaki discusses in his book Rich Dad Poor Dad He introduces the Cash Flow Quadrant which are the 4 ways people produce income in America.

Cash Flow quaddrant

What I learned was that most people are on the left side they are either an Employee or Self Employed the issue is that all their income relies on 100% of their time and efforts limiting their income and time freedom.

The Goal for me was to get on the right side of the quadrant where you own a big business leveraging the time of your employees to earn income therefore increasing income and time freedom and then transition to the Investor quadrant which is letting your money work for you in Investments.

Growing My Identity (Personal Development)

As I began to build distribution and began to discover mentors and coaches that taught me powerful concepts about money. They said Money and Income is a direct correlation of your identity the more you personally grow the higher your identity will grow along with your income. I learned that the people you get around, the Books you read and the events you attend can have a huge impact on your business. I began to devour books my confidence, vision and leadership skills took off. It became easier to lead people and deal with challenges.

Personal development helped me in these 4 Key areas

  1. Financial Knowledge
  2. Spiritual Growth
  3. Health and Wellness
  4. Knowledge of my Industry and Career

How Money Works

After several years of growing and learning I received a call from an old co-worker she mentioned her company was expanding and that she thought I would be a good fit. After reviewing the company I fell in love with the concept it was educating underserved communities about personal finances and in the process I would learn in depth how money works. I learned concepts of Wealth Protection, Income Protection, Compound Interest, 401ks, IRAs, Inflation, Taxation, Dept etc…

It empowered me and put a lot of things into perspective. I was able to make sense of an Industry that was confusing for so many years and now I can help others learn the same.


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“Your Success is Important to me”-Tone Fernandez

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