Dave Ramsey

Dave Ramsey

Dave Ramsey is a well-known financial expert, motivational speaker, and radio host who has helped millions of people transform their financial situations and attain wealth. His approach is rooted in personal responsibility, discipline, and smart financial planning. Here are some of Dave Ramsey’s key pieces of financial advice and the steps you can take to change your financial situation into wealth.

  1. Live below your means: One of the most important things you can do to build wealth is to live below your means. This means spending less than you earn, avoiding unnecessary expenses, and saving and investing the rest.

  2. Get out of debt: Debt is one of the biggest obstacles to wealth. Dave Ramsey recommends paying off all debt as quickly as possible, starting with the debt with the highest interest rate. This will free up more money for savings and investment.

  3. Create a budget: A budget is a powerful tool for taking control of your finances. Dave Ramsey recommends creating a monthly budget that tracks all your income and expenses, and helps you identify areas where you can cut back and save.

  4. Build an emergency fund: An emergency fund is a crucial safety net that can help you avoid debt and weather financial storms. Dave Ramsey recommends saving at least $1,000 in an emergency fund, and then gradually building it up to three to six months of living expenses.

  5. Invest in growth-oriented assets: To build wealth over the long-term, you need to invest in assets that can grow and generate income. Dave Ramsey recommends investing in stocks, real estate, and other growth-oriented assets.

  6. Give: Dave Ramsey believes that giving is an important part of financial wellness. He recommends giving regularly to charity, church, or other causes that you are passionate about.

By following Dave Ramsey’s financial advice, you can change your financial situation and build wealth. Remember, building wealth takes time, patience, and discipline, but with a solid plan and commitment, you can achieve financial freedom and live the life you want

The Winklevoss Twins

The Winklevoss twins, Tyler and Cameron, are identical twin brothers known for their early investment in Bitcoin and their role in the founding of the Gemini Trust Company LLC, a digital currency exchange.

The Winklevoss brothers were born in Southampton, New York, in 1981. They attended Harvard University, where they rowed for the varsity crew team and graduated with degrees in economics. After graduation, the twins enrolled in Oxford University, where they earned graduate degrees in business administration.

The Winklevosses first gained public attention in 2004 when they sued Facebook founder Mark Zuckerberg, claiming that he stole the idea for the social media platform from them while they were all students at Harvard. The legal battle was settled out of court and the Winklevosses received a settlement of $65 million.

In 2013, the Winklevosses invested $11 million of their settlement into Bitcoin, buying 1% of all the bitcoins in circulation at the time. As the value of Bitcoin rose, so did the value of their investment. They are reportedly the first Bitcoin billionaires in 2017.

In 2015, the brothers founded the Gemini Trust Company LLC, which is a digital currency exchange and custodian that allows customers to buy, sell, and store digital assets such as Bitcoin and Ethereum. The company is based in New York and is subject to the regulations of the New York State Department of Financial Services.

The Winklevosses are also known for their involvement in the venture capital industry, having invested in companies such as BitInstant and SumZero. They have also been vocal advocates for Bitcoin and cryptocurrency, appearing on various news shows and at conferences to discuss the future of digital currencies

Changpeng Zhao

Changpeng Zhao, also known as CZ, is a Chinese-Canadian businessman and entrepreneur, best known as the founder and CEO of Binance, one of the largest and most popular cryptocurrency exchanges in the world.

Born in Jiangsu, China, in 1977, CZ moved to Canada with his family at a young age. He attended McGill University in Montreal, Quebec, where he earned a degree in Computer Science. After graduation, CZ began his career in the technology industry, working as a software developer and systems architect for several companies.

In 2013, CZ became interested in the world of cryptocurrency and blockchain technology, and decided to launch his own cryptocurrency exchange, Binance. The platform quickly gained popularity and attracted a large number of users, becoming one of the top exchanges in terms of trading volume and user base.

CZ has been recognized as a leading figure in the cryptocurrency industry, and has been featured in various publications and media outlets, including Forbes, Bloomberg, and CoinDesk. He is also known for his active presence on social media, where he frequently shares his thoughts and insights on the industry and the future of blockchain technology.

CZ is also known for his philanthropic efforts, he created the Blockchain Charity Foundation (BCF), which uses blockchain technology to provide transparency and accountability for charitable donations.

CZ’s net worth is estimated to be over $2 billion as of 2021, most of it from Binance. He is considered one of the most influential people in the cryptocurrency industry and continues to shape the future of the sector

Tim Draper

Tim Draper is an American venture capitalist and entrepreneur. He is the founder and a managing partner of Draper Associates, a venture capital firm that has invested in companies such as Hotmail, Tesla, and Skype. He is also the founder of Boost VC, a venture accelerator that focuses on funding startups working on blockchain and cryptocurrency projects.

Draper began his career as a venture capitalist in 1985, when he founded Draper Associates. Since then, he has been an early stage investor in over 200 companies, including several successful ones like Hotmail, Tesla, and Skype. He is also known for his bold and contrarian investment thesis, which has led him to invest in companies that others considered risky.

In 2014, Draper made headlines when he purchased 30,000 bitcoins at a government auction, which he believes will become a widely accepted form of currency in the future. Since then, he has been a vocal proponent of the cryptocurrency and blockchain space and has invested in several startups working on blockchain and cryptocurrency projects.

Draper is also an active philanthropist and has invested in several education-related projects through the Draper Richards Kaplan Foundation, which he co-founded. He is also a founding partner of Boost VC, an accelerator that focuses on funding startups working on blockchain and cryptocurrency projects.

Draper holds a Bachelor of Science in Electrical Engineering from Stanford University and an MBA from Harvard Business School. He is an adjunct professor at the Pepperdine University Graziadio School of Business and Management, where he teaches courses on venture capital and entrepreneurship

Chris Larsen

Chris Larsen is a successful entrepreneur and businessman who is best known for co-founding Ripple, a blockchain-based payment protocol. He is also the co-founder of several other technology companies, including Prosper, an online marketplace for peer-to-peer lending, and e-Loan, one of the first online mortgage lenders.

Born in 1960, Chris grew up in San Francisco, California. He graduated from San Francisco State University with a degree in business and began his career in the technology industry. In the late 1990s, he co-founded e-Loan, which went public in 1999. In 2005, he co-founded Prosper, which became one of the largest peer-to-peer lending platforms in the world.

In 2012, Chris co-founded Ripple with Jed McCaleb and Arthur Britto. Ripple is a blockchain-based payment protocol that aims to make international money transfers faster, cheaper, and more secure. Since its launch, Ripple has become one of the most successful blockchain projects in the world, with a market capitalization of over $10 billion.

In addition to his work at Ripple, Chris has also been involved in several other ventures. He is a founding member of the Blockchain Research Institute and is a member of the Board of Directors of the Bitcoin Foundation. He has also been a mentor to several startups and is a frequent speaker at technology conferences.

Chris is estimated to have a net worth of over $7.5 billion, making him one of the wealthiest people in the crypto industry. He is also known for his philanthropic work, particularly in the areas of education, technology and financial inclusion.

Roger Ver

​Roger Ver is an early investor in Bitcoin and its related startups. He is a prominent advocate for Bitcoin and has been a vocal supporter of its potential to disrupt traditional financial systems.

Ver was born in San Jose, California, in 1979. He started his career in business as an early entrepreneur in the tech industry. He eventually became interested in Bitcoin and began investing in the cryptocurrency in early 2011. He quickly became one of the most vocal advocates for Bitcoin and its potential to change the world.

In 2011, Ver founded MemoryDealers.com, a company that accepts Bitcoin as a form of payment, and he also started investing in other Bitcoin-related startups, such as BitPay, Blockchain.info, and Kraken. He is known as the “Bitcoin Jesus” for his early and vocal support of the cryptocurrency.

Ver is also a strong advocate of Bitcoin Cash (BCH), a fork of Bitcoin that aims to increase the block size limit of the Bitcoin blockchain in order to make it more practical for everyday use. He has been a vocal proponent of BCH and has invested in several BCH-related projects.

Ver is estimated to have a net worth of over $500 million, mostly from his investments in Bitcoin and related startups. He currently resides in Japan and continues to be an active supporter and investor in the cryptocurrency space