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☆ Ancient skeletons unearthed in France reveal Mafia-style killings
▼ + stars: | 2024-04-17 | by ( Issy Ronald | ) edition.cnn.com time to read: +4 min

Alain BeechingThe researchers also reviewed skeletons found at other archaeological sites across Europe and identified 20 other probable instances of similar sacrificial killings. The practice may have been relatively widespread in Neolithic, or late Stone Age, Europe, according to the study, published in the journal Science Advances last week. The study said the actual number was probably higher but there was insufficient information about skeletons at other archaeological sites to draw firm conclusions. The three skeletons were buried in a grave built in the style of a silo, where grain is typically stored, inside a wooden structure and surrounded by a trench. At the other sites across Europe, men and children as well as women were also found sacrificed in this way, the study said.

Persons: CNN —, Alain Beeching, ” Éric, Crubézy, ” Crubezy, Châteaux, “, Nicolas Senegas, Ameline Alcouffe Organizations: CNN, Italian Mafia, Paul Sabatier University, Saint Locations: France, Saint, Europe, Toulouse, South America

☆ A millennial who achieved financial independence years ago through 'extreme' saving opens up about what he would do differently — and explains how millennials are hitting financial freedom without a '
▼ + stars: | 2024-04-14 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

"On the road to financial independence, I was trying to save and invest as much as I could as early as I could," he told Business Insider. Related stories"A vast majority of the people that are pursuing FIRE or financial independence have a much more measured approach to the pursuit and are doing it on their own terms," he said. How to hit financial independence without a 'sacrifice mentality'A common misconception about the Financial Independence, Retire Early (FIRE) movement is that it requires immense sacrifice. "Younger people are now much more focused on the freedom component and being able to get freedom now while simultaneously pursuing financial independence." As opposed to aggressively saving 80% of their income and waiting 10 years to reach financial independence.

Persons: —, Grant Sabatier, he'd, he's, He's, there's, it's, Sabatier, Lauren, Steven Keys, Steven, you'll, We're Organizations: Service, Business, Financial Independence

☆ A financially independent investor shares the strategy he used to buy a NYC apartment for 'about 20% cheaper than I would have bought it last year'
▼ + stars: | 2023-11-23 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

"A, people have less access to capital and less purchasing power because interest rates are so high. People don't want to leave their lower interest rates to enter into a higher interest rate mortgage." This is a strategy that California-based real estate investor Mike Zuber refers to as " learning your buy box ." To pick your buy box, spend time walking through different neighborhoods, going to open houses, and looking at rental listings. He had a major advantage in that he could make all-cash offers, he noted, but anyone can use the "buy box" strategy to find deals right now when there are less buyers.

Persons: Grant Sabatier, it's, don't, Sabatier, they're, Mike Zuber, seasonality, It's Organizations: Rolex, Business Locations: Ohio, Indiana, New York City, California, Park Slope, New York

☆ A financially independent entrepreneur says there's an overlooked but 'incredible opportunity' for young investors to buy businesses right now — and they're not as expensive to acquire as you may thin
▼ + stars: | 2023-11-19 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

He started with an "index-first strategy," he told Insider, and invested up to 80% of his earnings into low-cost index funds in the early 2010s. While index funds are ultimately what catapulted him to financial independence in the first place, he wouldn't necessarily go that route if he had to start from scratch today. "I'm still very pro low-cost index funds for almost everyone," he said. Lower returns mean index funds won't grow as much, and investors potentially have to save and contribute more to hit their goals. "I think business ownership is really where it's going to be for the next 10 to 20 years."

Persons: Grant Sabatier's, Sabatier, Charlie Munger, you've, boomer Organizations: Business, Fidelity, Federal Reserve, FedEx, SBA, Chase, Bank of America Locations: Morningstar

☆ A financially independent millennial says it's 'an incredible time' to be an investor and explains why he's diversifying his portfolio by purchasing niche websites and watches
▼ + stars: | 2023-11-16 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

He's continued to grow his wealth by investing in real estate and co-founding MMG Media Group, which builds, buys, scales, and sells websites. "I don't want to be fully concentrated in index funds and owning websites and having a few real estate properties," he told Insider. Investing in niche websites and watchesSabatier subscribes to one of Warren Buffett's investing philosophies: Be fearful when others are greedy and greedy when others are fearful. "So it's an incredible time to be buying niche websites and optimizing them." He particularly likes buying websites because they're asset-light and relatively affordable.

Persons: Grant Sabatier, He's, Sabatier, Warren Buffett's, everyone's, there's, Pete Davidson, Jack Kerouac's Rolex, Sabatier — Organizations: Business, MMG Media Group, Rolex Locations: American

☆ I thought I knew how to handle money as a financial advisor, but a conversation with a 30-year-old millionaire completely changed my mind
▼ + stars: | 2023-06-22 | by ( Kevin L. Matthews Ii | Stephanie Hallett | Read More | ) www.businessinsider.com time to read: +7 min

As a financial advisor, I saw wealthy clients follow the same path to millionaire status. But my strategy changed when I met Grant Sabatier and realized I wasn't enjoying my money the way I wanted to. Spend and enjoy the majority of your money now or delay those luxuries in exchange for a comfortable retirement in the future. He continued telling me that at age 25, he sat down and listed the 10 things that made him happy. I realized that I needed a lot less money than I thought to be happy," said Sabatier.

Persons: Grant Sabatier, —, He'd, Sabatier, I've, Read Organizations: Service, New York City Locations: New, Oklahoma

☆ These early retirement advocates quit their jobs with plenty of money in the bank. Here are their tips for becoming financially independent
▼ + stars: | 2023-06-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Moyo Studio | E+ | Getty ImagesSaving enough money to comfortably retire later in life may seem like a daunting, out-of-reach goal. The FIRE movement — which stands for Financial Independence, Retire Early — is built on the idea that handling your money super efficiently can help you reach financial freedom earlier. Boost your savings rateToday, the average savings rate in the U.S. hovers around 2% to 5%, Sabatier noted. But by saving about 50% of your income, the average person can reach financial independence in 10 years or less, Sabatier said. Reduce your cost of livingTo achieve a high savings rate, you need to reduce your living costs.

Persons: Grant Sabatier, Alex Trias, Sabatier, Trias, It's Organizations: Financial Independence, CNBC's, D.C Locations: Portugal, U.S, Washington

☆ Millionaire who stopped working at 30: This 'underestimated' risk can derail your retirement plans
▼ + stars: | 2023-05-05 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

How climate change could hurt your bottom lineSabatier isn't alone in expressing concern that climate change could hurt returns in the coming years. "It's mainstream enough that Janet Yellen came out and said climate is the biggest risk to the financial system. The Biden White House has said that people are severely underestimating the future risk and impact of the climate on financial markets," he says. Some investing strategies seek to mitigate climate risk by investing in companies that score highly on sustainability metrics. Still, those are unlikely to solve the potentially broad threat climate change poses to markets, says Sabatier.

☆ A millennial who became a millionaire after the 2008 crash says building wealth is about more than opportunistic investing. You also have to make lifestyle changes and load up on side hustles.
▼ + stars: | 2023-03-19 | by ( Jacob Zinkula | ) www.businessinsider.com time to read: +4 min

Sabatier says that economic uncertainty has created an "incredible opportunity to invest," but that there's more to building wealth than timing the market. While the economy and the stock market don't always rise and fall in tandem, historically, a struggling economy has provided investors with opportunities to buy stocks on the cheap. When Sabatier began investing in 2010, the US economy had already emerged from the Great Recession, and the stock market had recovered some of its losses. From March 2009 to March 2020, the S&P 500 gained over 400% — the longest bull market run in US history. "You'll come out ahead over the next 10, 20, and 30-plus years," he said, adding that, "the best time to start investing was yesterday.

☆ How to get ahead in 2023
▼ + stars: | 2023-01-16 | by ( Hallam Bullock | ) www.businessinsider.com time to read: +4 min

We've got top tips for stocks (and serving prison time), a path to financial freedom, and what to expect for the rest of 2023. If you want to start investing in real estate this year, Harr says don't be deterred by uncertainty or high-interest rates. US stocks got off to a choppy start in the first week of 2023, however, Goldman Sachs still sees attractive investing opportunities. According to Grant Sabatier, 2023 will be the year of the "the creator millionaire" — here's how he plans to take advantage of it. As one expert said: "2023 is going to be the survival of the fittest."

☆ A financially independent millennial predicts that 2023 will be the year of 'the creator millionaire.' He says he's taking advantage of the creator economy while it lasts.
▼ + stars: | 2023-01-09 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +6 min

Digital content creators and people with online businesses will do particularly well, he predicts. For the next couple of years, Sabatier predicts that digital content creators and people with online businesses will do particularly well. "I think that 2023 will be the year of the creator economy, and that 'the crypto millionaire' is going to be replaced by 'the creator millionaire.'" I think it's really going to be the golden age of the online creator." "There's a real feast or famine component to taking advantage of money making opportunities online right now."

☆ A financially independent millennial shares an overlooked risk for investors in 2023 that 'doesn't get talked about enough'
▼ + stars: | 2023-01-08 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +5 min

Self-made millionaire Grant Sabatier says investors need to pay more attention to climate change. He's also expanded his "view of investing," he said, and is preparing for an uncertain future — including climate change. "One of the things that doesn't get talked about enough is the climate risk for investors," said Sabatier, especially for real estate investors. Climate change increases the likelihood of severe storms, wildfires, floods, and hotter temperatures. Besides causing health and safety issues, the consequences of climate change could influence property values and homeownership costs in certain markets.

☆ '2023 is going to be one of the greatest years to invest': A millennial who achieved financial independence at age 30 shares his top investing advice as we head into the new year
▼ + stars: | 2022-12-28 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +4 min

Millennial Money founder Grant Sabatier thinks 2023 is going to be a great year to invest. A lot has changed since then, most notably the Covid-19 pandemic, which sent the stock market into freefall in March 2020. This year, however, stocks have been slipping again, recession fears continue to grow, and investors are increasingly scared of putting their money in the stock market. You can get really good deals on multi-family properties and on commercial warehouse space." His main takeaway is that, across the board, "there are going to be a lot of good deals and a lot of good value in 2023."

☆ 8 'super savers,' early retirees, and money experts share their 'recession-proof' strategies and other top money advice as we head into 2023
▼ + stars: | 2022-12-25 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +12 min

One expert wants people to know that the stock market is just one way of many to invest. Beef up your emergency fundNew Hampshire-based real estate investor Matt "Lumberjack Landlord" and his family. For him, that means investing in real estate, which he's been doing since he was 23 years old. "If you take your money and buy real estate, you'll never make 30 times or even five times your money in one day. Get creative when it comes to financing your investmentsSeattle-based real estate investor and co-founder of Evergreen Housing Network Ludomir Wanot.

☆ How to earn more money and increase your income through side hustles, according to 5 early retirees and entrepreneurs who have done it
▼ + stars: | 2022-12-10 | by ( Kathleen Elkins | ) www.businessinsider.com time to read: +9 min

Insider spoke with entrepreneurs and early retirees about the lucrative side hustles they started. Below, Insider rounded up various side-hustle ideas from entrepreneurs and early retirees who found ways to diversify their income. Shan Shan Fu started selling face masks on Amazon and turned it into a robust e-commerce businessShan Shan Fu sells socks and tights (including the ones pictured) online. Courtesy of Shan Shan FuWhen the Covid-19 pandemic sent the US under lockdown in the spring of 2020, Shan Shan Fu had a lot of free time after work. She launched her e-commerce company, Millennials In Motion, in April 2020 and immediately started making money.

☆ This common early retirement strategy is a 'terrible idea,' says financial planner
▼ + stars: | 2022-11-08 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

If you're hoping to retire early, you'll have to find a way to replace your salary without working. When it comes to using it as the sole basis of your early retirement, experts are skeptical. Consider smaller withdrawals for a longer retirementIt's not as though proponents of early retirement are just misunderstanding the study. Researchers at Morningstar say a safe withdrawal rate may lie somewhere between 3.3% and 4%, for instance. Aiming for a lower withdrawal rate means you'll need to save more money if you want to fund the same lifestyle.

☆ How much money do you need to retire early?
▼ + stars: | 2022-10-20 | by ( Edna Rutland | Jonathan Fazio | ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHow much money do you need to retire early? Grant Sabatier is a self-made millionaire, author of "Financial Freedom" and a member of the Financial Independence, Retire Early, or FIRE, movement. By 30, he had saved over $2 million to retire early. Now, Sabatier helps others to make, save and invest their money. Sabatier's journey started with focused planning and a careful calculation of his FIRE number, the amount of money you should save to be financially independent.

☆ Millionaire who retired at 30: Here's how to calculate how much money you need 'for the rest of your life'
▼ + stars: | 2022-10-20 | by ( Ryan Ermey | ) www.cnbc.com time to read: +1 min

How much money would you need to retire today and never have to work again? For adherents to the financial independence, retire early, or FIRE, movement, that figure is much more concrete. "Your FIRE number is the amount of money you need to live on for the rest of your life," says Grant Sabatier, creator of financial site Millennial Money and the author of "Financial Freedom." "This million dollars essentially is how much money you need to reach financial independence and live off that amount of money for the rest of your life." Here's what retirement experts say you need to know to figure out how much money you'll need to retire.

☆ How to achieve financial freedom, according to 11 couples and individuals under 40 who've done it
▼ + stars: | 2022-09-26 | by ( Business Insider | ) www.businessinsider.com time to read: +15 min

For many people, financial freedom means being able to retire early and work only by choice. He believes that real estate is the most tried-and-true way to build wealth, but he also invests in the stock market. If you want to achieve financial freedom and retire early, put in the hours, he advised. "As long as you can live within your means, and you understand your basic necessities, then it's very possible to create financial freedom." "Entrepreneurship has really accelerated our own path to financial freedom, which I would say we have achieved."

Define early retirementRetiring early doesn't have to mean never earning a paycheck again — unless you want it to. The first step on the path to early retirement is figuring out exactly what that phrase means to you. Depending on how much you spend, you'll generally aim for one of three categories of early retirement: FIRE, leanFIRE, and fatFIRE. Max out your retirement accountsThere's at least one common strategy present in nearly every story about financial independence and early retirement: early and frequent savings. You may find you hate the unstructured days of early retirement — would you go back to work?

☆ Millennial who saved $1 million in 5 years: This myth can hold you back from earning more money
▼ + stars: | 2019-02-06 | by ( Emmie Martin | ) www.cnbc.com time to read: +2 min

By age 30, Grant Sabatier had earned over $1 million through a combination of reducing his spending and boosting his income. But if you want to significantly boost your earnings, he says, you first need to get past the myth that time is money. Money is limitless, while time isn't: "You can always go out and make more money," he says. "The simple idea here is that you want your money to be making money and other people to be making money for you," he says. If you walk each dog yourself, you're limited by the number of hours you have.

☆ 34-year-old self-made millionaire: If you make $70,000, you could retire in 10 years—here's how
▼ + stars: | 2018-12-14 | by ( Emmie Martin | ) www.cnbc.com time to read: +3 min

"I think a vast majority of Americans can retire in 10 years or less if they're making at least $70,000 per year," he says. "You're going to have to live a little bit differently than most people," he adds. "Go out and just try to make a little extra money," Sabatier says. But every $1,000 you make and invest instead, that's going to cut literal months off the time that it will take you to retire." He notes that it's also important to invest your extra income.

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