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A Really, Really Short Guide To Money in 2023

Last Updated: August 3, 2023

By Hope

a really short guide to money in 2023


This Money Guide review has been thoroughly researched with information and testimonials that are available online to anyone in the public. Any conclusions drawn by myself are opinions.

Before We Get Into It... Who Am I?

Always good to put a name to a face, so firstly, my name is Hope!

Like you, I was stuck working 8-10 hour days building someone else’s dream.

I worked at one of those cool tech companies that has omelet stations for breakfast & craft beer on tap for after hours.

To a lot of people that’s a dream, but to me… something was missing.

All I really wanted, was to actually enjoy life – more vacations, less stress, buy myself nice things without worrying about the cost… but that was something my 9-5 couldn’t provide me.

That was until a few years ago when I discovered a way to make money online by actually helping real people.

People in this case were local business owners across the US.

Me and My Puppy

For Money Guide

The page above is an example of how I do it. That one-page site generates $1,500/mo and I haven’t even touched it since it was put up.

That’s an $18,000/year raise from just one page.

That’s why local lead generation is my #1 business recommendation for recurring, semi-passive income. If you want to learn about that business model, click here.

They have no clue what it’s actually like to run the different types of businesses they write about.

I have absolutely no relationship with this program, so you can rest easy knowing I’m going to give you my honest opinion.

This review is written based on my own experiences with this business model.

All that being said, let’s jump into things.

Table Of Contents

The flow of currency is the engine that drives the economic system. It’s crucial since it can open doors to many other life opportunities, like starting your own business or creating a website. If you have issues with finances, this concise tutorial should assist.

There are countless information courses floating around the internet. Why? Because for every problem that exists, someone claims to have the solution.

And that solution is usually some oddball money-making system that tells you how to turn a casual interest – or maybe something you’re super passionate about – into sustainable, reliable income.

Alright, so A Really Short Guide To Money doesn’t exactly fit into a nice category.

At the end of the day, guide to money is a… unique way to think about making money.

It’s certainly possible to make money with off-the-wall businesses like this, but unless you’re interested in taking years out of your life to experiment on an unproven business model, I would look elsewhere.

My #1 personal recommendation if we’re talking about starting a fully-online business has got to be the Lead Generation & Ad Agency business models.

There are a handful of programs that teach you the ropes, but my #1 choice that combines both of those business models into one is the Digital Landlords program

But, if you’re hard-pressed to jump head-first into an off-the-wall business model, let’s continue on to my full breakdown of A Really Short Guide To Money.

What Is Money?

what is money

Take a look at one of the many important lessons learned here. Money is a commonly acknowledged medium of exchange in a given economy. Money is a convenient business medium because it reduces the burden of two parties concurrently possessing the same good or service. Money must have a quantifiable physical trait to be widely used as a means of exchange. There are wide varieties of money in circulation today, including electronic cryptocurrencies, money replacements, fiduciary media, and government-issued legal tender (sometimes called “fiat money”).

Although the central bank (like the US Federal Reserve) can print more money, they don’t do it because their currency will have less purchasing power. It will be worth less if there is more supply than demand.

Types Of Money

types of money

From seashells to banknotes to credit cards, money did have a long history of evolution.

Commodity Money

In contrast to fiat currencies, commodity money has intrinsic value that can be physically retained. Commodities retain their worth even if they are no longer accepted as cash. In economics, “intrinsic value” refers to the worth that exists independently of its use as money. That is, its worth extends beyond its nominal monetary value. It affects us. However, the value of certain currencies is based solely on faith and cannot be seen or touched.

Some examples of this are gold, silver, and tobacco, which can be used aside from being a means of exchange.

Fiat Money

Fiat currency has no value apart from the confidence people have in it. Confidence is established when governments designate their legal money and make it widely accessible to the public and private sectors. To further demonstrate trust, governments then ban other forms of cash.

Fiat money has no inherent value. This currency is supported by the government and minted by the central banks. Inflation is more probable with fiat money since there is no restriction on supply. When it’s required, governments and central banks can simply produce more. However, this was typical under commodity money since monarchs would simply lower the coins’ gold content.

While the world’s supply of gold and silver is finite, the supply of fiat money is unbounded. Real money and coins are under this type of money.

How Is Money Measured?

how is money measured

Measurement is easier when money is broken down into three categories:

  • M1 – Among the three types of money, this one is the smallest and is used to buy and pay for things. The value of all coins and paper cash in circulation is included here.
  • M2 – Non-institutional money market funds, savings accounts, and time-related deposits are all included. It is basically money that can be easily liquidated.
  • M3 – Large-time deposits, money market funds, short-term repurchase agreements, and other bigger liquid assets are all included, which is the broadest money category.

Combining these three categories, we get at a country’s money supply or the total quantity of money in an economy.

How To Grow Your Money?

how to grow your money

Set Up An Emergency Fund

It’s more important to prioritize saving money than it is to find ways to increase your income. Making savings account for unexpected expenses.

Having savings set aside for use in such a situation is crucial in an unexpected expense.

Investing your emergency fund in high-yielding savings is the best way to maximize its savings potential and allows you to have access to your money easily. And you can have more interest earnings here than in a savings or checking account.

Set And Stick To A Budget

One of the keys to financial growth is knowing exactly how much money you earn and how much you spend. Setting and keeping to a budget is the best method to accomplish this. Understanding what you do with your money is the first step towards gaining control of it.

Pay Your Debt

Paying off your debt will help you save money on interest payments, and you’ll have more for investing in yourself or the stock market.


Finally, if you want to see your money grow exponentially over time, you must combine patience and investment. Investing may appear intimidating or frightening to some, but it does not have to be. Before anything, you must first learn the basics to earn money online rather than lose it.

How To Invest?

how to invest

Set A Goal

Determining your investment objectives, when you need or want to attain them, and your risk tolerance for each goal is the first step in figuring out how to invest money.

  • Long-term goals: When we talk about long-term goals, hefty retirement accounts are a usual aim, but it can be anything that takes more than a year, like a down payment for college.
  • Short-term goals: These are goals for less than a year, such as a Christmas gift or vacation.

Decide How Much Help You Want

You may go into the specifics of investing once you’ve determined your financial goals, from picking the account type to choosing the investment strategy.

Many people would rather have their money invested for them by someone else. Before, hiring an expert was costly, but now, robo-advisors or automated portfolio management services make it cheaper and more reasonable. An investment advisor design and maintains a client’s investment portfolio using computer algorithms and complex software.

Pick An Investment Account

Most stock and bond purchases require an investment account. You can choose from a savings account, money market, certificates of deposit, and checking accounts.

Open Your Account

Choosing an account provider is the next step. You can choose between an online broker or a robo-advisor.

Choose Investments Matching Your Risk Tolerance

Investing money includes asking where to put your money. If you have a high-risk tolerance, you’ll want a portfolio with mostly stocks or stock funds. If you have a low-risk tolerance, a portfolio with more bonds is what you need since these are more stable and less volatile.

Asset allocation is the best way to achieve your long-term goal while minimizing risk. Stocks and bonds, ETFs, index funds, mutual funds, and real estate all respond to the market differently, making it critical to have a well-balanced portfolio. The other can be in the dumps when one is on top and vice versa. A well-diversified portfolio can better withstand market fluctuations if the correct mix is selected.

Are There Alternatives To A Really Short Guide To Money?

other business models to choose from

Yes, there are plenty of other business models to choose from if you want to pursue this making money online. Here are just a few:

Is A Really Short Guide To Money A Scam?

is it a scam

Time for the $1,000,000 question: is A Really Short Guide To Money actually a scam?

I wouldn’t technically call it a scam, though others might.

It’s technically possible to make money with this program, so in that sense, it isn’t a scam.

What I’m saying is: after buying, someone will, in fact, send you a login to a website where you can actually view their material. No one is riding off into the sunset with your money, leaving you empty-handed… technically speaking.

But the second, more important question is: is A Really Short Guide To Money actually worth the investment?

My honest answer is that for most people out there, probably not.

There are countless other business models that are proven & easily scalable, so why risk it for… not an incredibly huge payoff?

I’d rather have a program with thousands of successful students & plenty of room for others to join.

If you’ve followed my blog for long, you know I recommend a few different programs depending on your skills & goals.

My current top choice is becoming a Digital Landlord because you have a proven, systematic path to 6-figures, and you can do it from anywhere you want.

I’ve got friends in there that are posting deals from the middle of the woods in a camper van with their pet pig… which is kinda cool.

My Top Recommendation For Making Money In 2022?

make money online with digital landlord

Alright, time for me to get real with my lovely readers for a moment:

I’ve personally tried all of the major online business models:

  • I’ve sold fidget spinners through Amazon FBA
  • I’ve drop-shipped a toilet bowl putting green on Shopify
  • I’ve sold women’s health supplements via Clickbank affiliate marketing

And I made money with all of them, so trust me when I say: there is no “perfect” business model.

THAT BEING SAID: I would at least recommend you implement something that is tried and true, because I’ve seen TOO MANY people (including friends and family) get burned by stuff like A Really Short Guide To Money.

They come out of left field with some random idea, make it seem attractive, and then make themselves a quick buck by luring in unsuspecting people.

I’m not saying A Really Short Guide To Money itself is a piece of trash, I’m just saying you need to be very, very careful.

This is a big reason why I only recommend proven, tried and true business models, like Lead Generation & Ad Agencies.

There are a bunch of programs out there that teach you those skills, but my top choice is the Digital Landlords program.

Why? It has proven leaders with their own 7-figure businesses implementing exactly what they teach you.

I’ve also got over a dozen personal friends in there, so I feel comfortable telling you it works.

Whether you’re a complete newbie, or you’ve been around the block before but have never had that “big win” to propel you forward, their program works.

Here’s why:

1)Time: If you’ve got a spare hour or two each day, you can do this. If you want to drop everything and go all in, you can do this. More time obviously means faster results, but even putting in a few hours per day is enough to see real success.

And because of that flexibility, you don’t need to trade your time for money. Once the income starts, it’s recurring (for the most part).

That means you can take a month off, travel the country, pursue a passion project, chill on the beach, or charter a boat across the world.

But you can only do that once you’ve created an income stream that doesn’t require YOU to be there all day, every day.

2)Big Margins: With most businesses, you’re often going to have really slim margins. That means you need to hit a serious scale to make serious money.

Being a Digital Landlord, your profit margin is nearly 100%. Watch here to learn how.

Just a reminder: these Digital Rental Properties are worth (at a minimum) $500/mo in semi-passive income. And each time you create another one, your income increases, and the effort put into creating the next property decreases.

Best-case scenario, you have properties bringing in over $3,000+/mo on “auto-pilot.”

3)It’s Effectively Copy-Paste: Here’s my favorite part: once you have your first Digital Rental Property up, you can literally copy-paste another version of it and find another willing “renter” in a few days. DOUBLING your income doesn’t get much easier than that…

If you wanted to double your income with guide your money, you would need to exert time and effort. And I can guarantee you, that’s a lot harder than a few clicks & a phone call.

4)You’re Helping REAL People: My biggest gripe with guide your money, is that you’re basically only helping yourself.

But when you’re a Digital Landlord, you’re helping solve REAL problems that people are ASKING for help with:

Small local businesses around the world need one thing: customers. Without them, their business would fall apart. If you can provide those customers, they’re going to be really happy – and they’re going to pay you for it.

You’re helping a struggling mother or father put food on the table for their families, put their kids through college, or simply live life a little bit more comfortably.

Having this type of impact on the world is what will help you sleep soundly at night.

So, the rest is up to you. You could keep looking at other off-the-wall business models like guide your money and maybe hit it big one day.

You could keep researching and researching for the next few months (or few years), never making a concrete decision.

OR, you can look deep inside, think about those dreams, hopes, & desires, and make the decision to ACTUALLY make it happen, just like it has for thousands of other students before you.

Making a fortune while actually helping real people that need it.

If this sounds like you, click here to see how it all works.



I make over $20,000/MO thanks to this platform... check it out below!