Morgan GillisFounder & Owner of Client Success Solutions LLC

How I think about investing money to build wealth as an online coach with a net worth of about $950k

8 Jan 2026 · 1 min

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1:25

In this monologue, the speaker, an online coach with a net worth of roughly $950,000, outlines four ways he could allocate his capital and the expected returns for each. 1. Leave money in cash – he warns that cash loses 3‑6% annually to inflation, turning $100k into about $95k. 2. Invest in the S&P 500 or index funds – he expects a modest 8‑10% gain, turning $100k into $108k‑$110k. 3. Buy real estate – he cites rough estimates of 6‑12% (or possibly 10‑20%) returns but notes real estate requires skills he lacks, making it less passive for him. 4. Invest in his own skills/business – he claims this can yield 100‑1,000% returns. He backs this with a personal example: a $20k investment that quadrupled his business revenue from $60k to $240k, a 900% return. He confirms he does hold index‑fund positions but prefers self‑investment, calling it his “drug of choice.” The speaker ends with a disclaimer that the video is not financial advice and urges viewers not to let cash erode their wealth.

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how I think about investing money as an online coach with a net worth of about $950,000. Option number 1, you do nothing with your money. You leave it sitting in cash and you take a guaranteed 3 to 6% loss this year. If I have $100K, it's turning into $95K. I'm basically getting robbed by inflation. Option number 2, I take my money and put it in the S&P 500 or index funds. I'll probably get an 8 to 10% reasonable move. If I've got $100K, it turns into $108K. 110. Option 3, invest money into real estate. GPT has probably butchered these numbers, but it's saying like a 6 to 12% return. I thought it was closer to 10 to 20. I don't know, the real estate people can get into my comment section. I'm personally not going to do this one right now because it's a little bit less passive than people think. It takes skills that I don't have. But if I was going to do it, then let's say $100K turns into $110K or $120K. The last option, investing into my skills, right? Business investments. And that stuff can net me 100 to maybe 1,000%. Now, where am I getting those numbers? Again, this is for me, but I have 100% taken investments before, put in $20K and 4x my business. I went from making $60 grand a year to $240 grand a year. That means I put in $20K and I made back an extra $180. That is a 900% return, not 10, not 20, 900. Do I have money in index funds? Yes, but this is why investing into me is my drug of choice. And to be clear, none of this video is financial advice. For the love of God, don't get robbed by leaving your money in cash.