In this solo presentation, Coach Raphael Djine introduces the "40/60 rule" as a simple financial principle: allocate 40% of every dollar earned to investment and live on the remaining 60%. He explains that the rule applies at any income level, from a modest $10,000 monthly salary to multi‑million‑dollar earnings, and stresses that the 40% should be directed toward productive assets rather than sitting in a bank. Djine provides concrete examples—setting aside $4,000 from a $10,000 monthly income, investing in franchises, partnering on a small business, buying property, or creating a service—demonstrating how the rule can be applied even with limited capital. He argues that starting with as little as $1 and consistently applying the 40% mindset will compound over time, potentially yielding half a million dollars in investments after ten years. The talk emphasizes discipline, a proactive investment mindset, and the idea that the rule is a principle that, once internalized, ensures continual wealth growth.
Chapters
Number one, and number two. Number two, you have to you have to do the forty sixty rule out of every hundred out of every hundred dollar hundred dollar. Sow $40 and live on $60. That means let $40 go to work, become a seed, and then you live on $60 max. And then at a certain point, you can invest and start sowing $60 and live on $40. You have people who live on 2%. Now, it depends. If you make half a million dollars— if you make half a billion dollars a year, I mean, you can't live on 60%. What are you going to spend 60% of for? Even if you want to do it, that's fine. But you probably live on 3%. That means every $100, you must invest 40% of that. So, you're saying, if you're making $100,000, you're going to invest $40,000? and live on $60. Every time you have $100, make sure you don't spend the whole $100. Spend 60%, and 40% must go to work. It must— I mean, your money in your pocket is 60%. You must snag the 40% and invest. However you want to invest, make sure the money— not at the bank. I'm not asking you to give to the banker. I'm not asking you to give to the banker. Take it and develop a product, develop a service, partner with somebody, put in something that is going to give you money. Matter of fact, you can put aside for 12 months and invest. Let's say you, let's say you make $10,000 a month, $10K, and you put $4,000 aside. So that's a little bit, $48,000. At the end of the year, you can do something with it. There's a lot of franchises out here that you can purchase. You can start a small business. Sometimes people think, well, if I start a business, I have to stop everything I'm doing and focus on the business. No. You can partner with another person. You can buy an investment home. You can become a banker. I'm sorry? Whatever, but let the money go to work for you. Now, if you do this for 10 years, for 10 years, you may have half a million dollars in investment. Before you get to the 10 years, I'm sure another money, even if it just double, I mean, you have so much money, you won't know what to do with money, just because you applied the law of Of 40/60. There's never too early. Matter of fact, I say start with $100. Start with $1. When you have $1, ask yourself, okay, how can I invest 40 cents out of that? You probably say, oh no, Coach Raf, you don't understand. I don't have enough. You would never, ever ever, ever have enough. But if you apply the rule, you'll always have more than enough. It's a principle. This is a principle. If you cannot invest 40 cents out of a dollar, you will never invest $400 million out of a billion. It's a mindset. And it's a principle.
