Jarbux Empire

Everyone wants to build an empire, a legacy for themselves and their family but it seems like money just isn’t readily available. Today we’re going to break down how to build that empire…on a budget! Say what?!? Read on, friend.

But first, let’s consider if you made six-figures, how much would that really get you?

According to Bankrate the quality of life that $100,000 a year affords you depends on where you live. We know that sounds like a blanket statement, but there are other factors to consider like inflation, taxes, the cost of living in different geographies, how large your family is, and more. Whether you’re making $100k or $50k the thought remains the same – you have to be wise about how you allocate your money. So here’s how to build an empire on less than six-figures.

Build Relationships

Cultivate relationships that outlive you and can pass along goodwill to your children. In today’s world, it’s important to talk to your neighbors, build relationships at coffee shops, and especially at work. You never know when the nice deed you did for your co-worker Derrick lands your daughter’s resume on an executive’s desk.

Build a Nest No Matter What

It doesn’t matter if it’s $500. Lock in something that will grow over time and that you can contribute to consistently. As life progresses, add stipulations on those nest eggs that your children can’t access the money until they reach a certain age and that it has to be invested into a business they start or an income generating opportunity. Whether it’s boom or bust, they’ll develop empire-building skills just like you.

Be Weird

Do one thing weird for your financial well-being. I used to only buy shoes from a company if I had stock in that organization. I was either going to make my money back from the dividends or the price appreciation. Ironically it also saved me money and feeling like I needed to keep up with fashion trends that cycle back every year.

Build Passive Income

Your salary can get spread thin from bills, transportation, family obligations, and then finally the things you want. Identify areas where you can build passive income like dividend stocks, jobs that utilize your talents in your free-time (think minimal effort, maximum return), cash-back credit cards, and more. We found this list to help kick-start some ideas.

Start Reading More

Often we don’t build wealth because we don’t know how or have the right tools. We deal with the same sets of information everyday and make decisions the same ways we always have. Time to break habitual thinking. If you want the keys to the gate and yours ain’t working, you have to get more keys. Expand how you make decisions, what decisions you think you can make, what you think you can and can’t do – you can only do this by equipping yourself with more data and it doesn’t have to be about wealth. The more you read, the more your brain will connect concepts together that you think didn’t have anything to do with each other and it will connect them in a way that matches up with the goals you’re trying to achieve aka building an empire.

Take the Quit Your Job Challenge

No, don’t actually quit your job. Just pretend you did and assume you can’t find another one right now. Your money flow has turned off and you need to figure out how to generate some greenbacks. What do you do? You learn. Many times we don’t act until our back is against the wall. It’s these moments when decisions get made that can have life changing impact. Case in point, a friend of mine never would have started investing in cryptocurrencies had he not quit his job to start a business. Startup cash was tight and there were mouths to feed, so he learned the ropes and cast fear aside. After investing what he could afford to lose he’s made a 5X return and changed his financial trajectory. Again, back against the wall theory.

Happy Building!

Jarbux Can You Afford Yourself.jpg

Last night I decided to take myself out on a date. It was one of those ‘you’ve earned it this week so you deserve to burn it this week’ moments. So I went to a nice little Italian restaurant with 4 yelp stars but 2 $. I was already winning. The food was delicious and as I sat there decompressing from the day I decided to head to the mall before it closed and pick up a pair of gloves.

Gloves led to the movies and the movies led to a nightcap drink at a local bar. But it wasn’t too bad. The night was a success, or so I thought. I wasn’t thinking about that extra glass of wine I had at dinner, the three Uber’s and one Lyft I took, that ATM withdrawal with a $3 fee. Oh and that I made a few impulse buys at the mall. Total spent on the evening: $120.

Now this may not sound like a lot to you, but I’ve still got student loans I’m paying off, a hospital bill from that one time I slipped on the ice, and my Uncle Sam who’s always asking for stuff from me every time a paycheck comes around. It doesn’t help that momma raised me to have Whole Foods taste with a Trader Joe’s budget.

And the icing on the cake, this one night of treating myself was just a small example of a larger problem.

I can’t afford myself. It isn’t every day that I treat myself, but it is every day that I reinforce negative financial habits that keep stacking on top of each other and making the mountain of debt harder to climb. After the usual expenses to live, come the expenses to actually try to enjoy life a little bit. Then right around the corner rearing its little head are the mistake expenses from stress spending because of the life expenses.

It’s a never ending cycle that keeps hitting me in the face and my wallet in the groin. The thing that sucks the absolute most is that I know I should save more but it’s actually pretty hard. Screw what people say about consumerism, the entire structure of life makes it hard to shelve money away for the future. And I want a really nice future, heck my wallet wants a nice future. It’s tired of being hit in its nethers.

We’re beat down! Work events, weekend detoxes and retoxes, transportation, holiday gifts and travel, boutique coffee shops, internet and electricity (oh don’t get me started on internet and electricity). Sometimes it feels like life was designed like a hamster wheel and I’m sitting here with a clear view of what I want but the ground beneath me keeps me where I am.

But I can’t get off the hamster wheel because I’m afraid that I’ll detach myself completely from society. I could, however, bring the stuff I want into the hamster wheel with me. I could take a small piece of what I spend and hide it away. It won’t be much but what’s the alternative? Don’t do it and spend $5 on a coffee that I won’t get back.

So ladies and gentlemen, today I present to you my top tips for affording yourself, aka how to bring wealth into the hamster wheel. Let’s get to running:

Slow down the wheel

It’s hard to tell your co-workers, family, and friends no, so I’m not even going to give that advice. But I will say pace yourself- just slow down or group events together. Big things move slow, small things move fast.

Slow down the hamster

  • That’s right, you. Take a breath before every (every) purchase. It’ll cool you down and warm up your wallet.

When you trip, stop the wheel

  • Bad decisions lead to more bad decisions. If you mess up, it’s ok. Pause. Refocus.  Look at your goals and keep it moving.

Get off the wheel

  • We all need to get off the wheel sometimes for a few brief moments. Step off, look at your goals, reflect a bit, then get back on

Break the cage

  • You’re saving, you’re building, you’re doing it. So what’s next? Crank it up and run so fast that the wheel can’t keep up and it’s running while you’re flying hitting your goals with discipline. But how? One word: automation. Automate your bills, your savings, your investments, your reminder emails, everything to do with your finances so while the wheel is spinning you’re strolling out that cage like BAMF with everything running by itself.

Want more Jarbux life hacks? Sign-up below for exclusives!

Whoever said saving money had to be boring or scary was sipping some watered down Kool-Aid. That’s why we’re here – to add a little sugar or shall we say, cash to your future. Introducing Jarbux: the most fun you’ll ever have to save money.

Jarbux is not a savings app. It’s not a micro-savings platform. It’s not a preset 401k allocator to help optimize your…hit the snooze button.

It’s a game that you play on your phone that has real world results. Spend money like you usually would and Jarbux rewards you when you save money.  The more you save, the more rewards you get. Yes, success can be simple.

Over the next few months we’ll be releasing aspects of Jarbux to get your feedback and build this out together. Because hey, we want to make sure we create something that you’ll love.

So sign up here for all the exclusives and details on our upcoming launch and mainly to become a part of building this experience together.

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Which Financial Friend are You?

Friends are great aren’t they? People to experience new journeys with, help us in times of need, laugh with, and more. When it comes to finances the friends we have open up a whole new world of adventure. Ones who are on their A-game and are saving up for their future, the procrastinators who are on their A-game and saving up for the moment, we’ve got them all.

But which one are you? Are you the frugal friend who’s going to delay going out to have a less expensive meal? Are you the one buying the first round…and the round you don’t remember the next morning? Perhaps you’re the friend who’s intuitive and everything you make and spend just happens to match up perfectly.

Here we take a look at the different financial personalities so you can find your own. Contrary to popular belief, none of these are inherently good or bad. Can they be improved? Of course but what we’re here for is to help you see which one you most closely resemble. Then over the next few weeks we’ll be releasing some helpful hacks for how to take your personal finance game to the next level.

Now to get this started, I’m going to tell you a little bit about last night.

I decided to go out to New York’s Meatpacking district with a few friends. It’s always a good time with them and their individual financial personalities. First you’ve got me who it’s actually hard to get to spend anything yet I’m always at this concert or that wine tasting event. A connoisseur of Groupon, invitations from friends, and hosting BYOs. I’ve got the social circle of a D list celebrity and the perks of one too.


Then there’s Joey who is quite financially irresponsible because when he spends, he can’t get it out of his head that ‘it’s okay’ or ‘he’ll make the money back’. Sometimes those seem really logical or at least logical under the influence that a purchase gets made. Then the next day Joey’s left checking his bank account asking himself yet again ‘what’s wrong with me?’


You’ve got Monica who has money saved up and is going to take a good hard look at that menu before purchasing. She’s the one who probably has most of her stuff together. A good job, consistent income, saves, and occasionally invests.


Phoebe is always worrying about money and will be the FIRST to send out that Venmo request to get paid back before the check even comes back. No disrespect to her but if it’s on Happy Hour she’ll get it or she’ll show up before everyone else just to make sure she can sip on that Happy Hour special beer for 2 hours after everyone else arrives.


Lastly there’s Ross who’s the most financially aware friend. He maps out his budget, pays off his student loans, and does what a respectable adult would do. He’s adulting quite well and tends to find some pretty stellar deals while not sacrificing his flavor for adventure.


Now these are my friends – do any of mine remind me of yours? Or perhaps you and them are completely different. If that’s the case I’d love to have you share those personalities. We’re going to do something pretty special with the different financial personalities in the coming months.


I almost forgot about Rachel. We’ll be talking about Rachel’s personality in our next post. Sign up here to learn more and about the other financial personalities.