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This playbook may not be for you, and that’s okay.
If you’re thriving in your 9 to 5, that’s great. If you have the drive to build something bigger, create impact, and make the world better, this playbook is for you.
Most people are stuck in a loop: work → spend → debt → work harder.
Two years ago, I was deep in that cycle. Exhausted, trading time for money, and feeling trapped. I’ve preached this time and time again. But it’s the core pillar on which Snuggle Times is underpinned.
I didn’t just join the race. I became it. And worse, I was proud of it, believing my suffering proved my worth. It was booming, and all of a sudden, there came a bust.
But here’s the truth: The race is optional.
You don’t have to stay stuck. Most people never escape because they don’t plan their exit. You’re different. You’re here. That means you’re ready and lucky.
Let’s build a custom escape plan based on where we may be
Tier 1: "I’m Starting from Scratch" (Broke & Overwhelmed)
Living paycheck to paycheck, minimal savings, no side income.
Generate fast cash. For me, that meant liquidating every valuable asset I owned and moving into a rundown home—a place where I could disappear, focus, and rebuild the future I truly envisioned.
Sell stuff you don’t need on eBay or Facebook Marketplace.
Pick up gig work (Uber, DoorDash, Fiverr).
Cut one significant expense (subscriptions, eating out, or buying designer clothing (the typical me).
Learn a High-Income Skill (Fast)
Copywriting (free YouTube courses → freelance on Upwork).
No-code tools (Bubble, Webflow) build simple apps for businesses.
Start tiny, think big.
Invest $20/week (Acorns, Robinhood).
Track every dollar (Mint or YNAB).
Tier 2: "I Have Some Savings" (Ready to Level Up)
Steady job and some savings, but still dependent on a paycheck.
Turn rent into income.
House hacking: Buy a duplex (3.5% down with an FHA loan), live in one unit, and rent the other.
REITs (Fundrise): Start with $500 for passive real estate income.
Launch a scalable side hustle.
E-commerce (Amazon FBA like I did Amazon FBA or Tech Essential print-on-demand).
Digital Products (sell templates, courses, or e-books).
Optimize Taxes
Open a Solo 401(k) or IRA (pay less taxes, grow wealth faster).
Replace 30% of your job income in 6 months.
Tier 3: "I’m Ready for Freedom" (Building Wealth)
Solid income, savings, ready to escape fully.
Your Freedom Plan should be to automate or outsource. I'm no longer looking after the communities we've built. They've been outsourced or automated.
Delegate tasks to a virtual assistant ($$$/hour → free up 10+ hours/week).
Buy a cash-flow business (laundromats, vending machines, car washes).
Geoarbitrage (Live Where Money Stretches)
Move to Portugal, Thailand, the UAE, or Mexico (cut living costs by 50-70%).
Invest Like the Rich.
Angel Investing (join syndicates on AngelList).
Licencing (create a product, licence it to big companies).
Full financial freedom in 2-3 years should be the ultimate goal.
The Mindset Shifts That Change Everything
"Income ≠ Wealth" → Assets (rentals, stocks, businesses) matter more than salary
"Money Loves Speed" → Test ideas fast. Fail cheap. Scale what works.
The system is designed to keep you poor. Thus, look for ways to bend the law in your favour but not break it.
Stop playing by rules that weren’t made for you. Opt out of debt, slash unnecessary taxes, and cut wasteful spending.
Shift from trading time for money to replacing your salary with passive income. Work because you choose to, not because you have to.
This short letter delivers potent truth to open minds while dismantling outdated dogmas.
Thanks for reading—I’ll see you in the next one.
— Destiny
{Melbourne, Victoria, Australia}
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