Punk Rock Finance: New Year, New Opportunity

www.ozy.com [OZY]( OZY A Modern Media Company Share This Sh*t January 19, 2023 Share This Sh*t [The drop]( PUNK ROCK FINANCE: NEW YEAR, NEW OPPORTUNITY Even when the financial news is bleak, there are always those who see opportunity. Today, we see what they see. Sponsored by [Cariuma]( Get Sharper Jesse Seave [jesseseaver.com]( Don’t Search for a Needle in the Haystack It’s exciting to try to pick the next home-run stock like Tesla. But that approach isn’t likely to pay dividends, says financial advisor [Spencer Sherman](, who recommends a much more straightforward tactic when it comes to selecting your investments. He suggests putting money that you won’t need within the next five years into a globally diversified index fund, such as Vanguard LifeStrategy Growth Fund or another fund made up of index funds, and to avoid active funds. Index funds seek market-average returns, while active mutual funds try to outperform the market. Many rank-and-file investors remain unaware that they can invest in start-ups right alongside venture capitalists and angel investors. Historic stock market data and the power of compound interest suggest that an investment of $10,000 in a global index fund this year has the potential to turn into $16,000 in five years and $450,000 in 40 years. Meanwhile, picking the next Tesla or Amazon is like finding a needle in a haystack — not to mention that [Amazon stock fell]( by about 50% last year. Startups for the Win “The everyday investor can participate in the wealth created by startups,” says Danetha Doe, founder of [Money & Mimosas](. (Doe is also an OZY contributor.) If you’re interested in providing funding to startups — and potentially sharing in the earnings of a growing enterprise — consider equity crowdfunding, also known as [regulation crowdfunding](. It’s a way for startups and small businesses to raise capital, and for more people to get in on a game that was previously available only to accredited investors. (Accredited investors are those with a net worth of $1 million or more, or a gross annual income of $200,000+ as an individual.) The JOBS Act of 2012 changed the regulations to allow non-accredited investors to put a limited amount of money into startups — yet many rank-and-file investors remain unaware that they can invest alongside the venture capitalists and angel investors who bring millions, or billions, of dollars to the table. Diversify Outside the Box Given market volatility and losses in even the most revered stocks, 2023 is a good time to consider new ways to diversify. Doe suggests considering whether you can put 10% of your portfolio into alternative investments such as real estate. Given the state of the climate and environment, she also notes that it’s a good time to consider [divesting]( your 401(k) holdings from fossil fuels, and reinvesting them into green companies. (Stay tuned for next week’s newsletter exploring companies that can be considered “green.”) ADVERTISEMENT [SUSTAINABLY SATISFY YOUR COZY CRAVINGS]( Is it possible to make sustainable choices, look amazing, AND have warm feet this winter? Cool, sustainable sneaker brand, [Cariuma](, says yes indeed! Designed for ultimate comfort when the temperature plummets, Cariuma’s Caturi combines consciously-sourced materials like vegan suede, providing you with top-quality water-repellent performance and cozy shearling to keep your feet warm this winter. Cariuma definitely upped the cozy factor on this sneaker, but they’re even throwing in 2 pairs of laces with each pair – making these stylish winter kicks 100% you and 100% cozy. We also can’t forget to mention that with every pair of sneakers purchased, 2 trees are planted in Brazil, as part of Cariuma’s Reforestation Program. We can on and on (and on and on) about all of the awesome features that Cariuma packs into each pair of kicks. Take our word for it, you need the Caturi in your closet this winter. Here at OZY we don’t gatekeep anything and we want you to know that these sneakers never go on sale but to warm toes everywhere, we’ve snagged you a code for 15% off. Use code [OZYJAN](at checkout. [SHOP NOW]( Skill Up Tech Workforce Training Did you know that you can learn to code right now, for free? [Udemy.com]( and [codecademy.com]( can get you started. And when you’re ready to move on to something a little more advanced, try [pluralsight.com](, which was founded by Stanford professors with a vision to train the next generation of tech workers. Through Pluralsight, you can learn to code a mobile app from scratch, or become an Apple Certified Support Professional and apply for a role with Apple’s all-remote support organization, AppleCare. Through Pluralsight, you can learn to code a mobile app from scratch. Go to MIT — for Free Well, not exactly, but almost. A little-known fact is that almost all courses at MIT can be viewed for free [online](. This resource can help anyone who is motivated to learn alongside some of the best and brightest in the world, and while you don’t get a degree in the end, you have access to knowledge that can enrich your understanding of our world and might help you jump-start a new career. ADVERTISEMENT [LOOKIN’ FAB LIKE A CELEB]( Temperatures may still be dropping as winter settles in, but what’s stopping you from owning a new year, new look? ‘Cause honey, it may be drab outside, but that ain’t stopping you from looking fab inside! 💁 Time to meet [Cariuma’s]( Therma and Caturi kicks – water-repellent, 100% vegan, and crafted for total warmth. They’re so cozy, even the insoles are lined! Designed from high-performance vegan suede and a cozy, ultra-plush shearling lining, made from GRS-certified recycled materials, these sneakers are sure to go quickly. Because who doesn’t want their feet to stay warm on these bitter cold days? After being raved about by celebs, skaters and surfers alike, these kicks sold out fast. But don’t worry! These kicks just cleared a huge waitlist and are back in stock. But they’re going to go quickly…again! Get ‘em while they’re hot and use code [OZYJAN for 15% off]( your order. Pssst…this offer won’t last forever. [SHOP HERE]( NOW STREAMING FROM OZY STUIO //link.ozy.com/click/30298048.79068/aHR0cHM6Ly93d3cueW91dHViZS5jb20vQGNhcmxvcz91dG1fdGVybT1PWlkmdXRtX2NhbXBhaWduPWRhaWx5LWRvc2UmdXRtX2NvbnRlbnQ9VGh1cnNkYXlfMDEuMTkuMjM/5cc372683f92a4331dae6934Baa2f9002 Side Hustle A New Remote Gig Might Have Your Name on It It used to be an insider secret: [weworkremotely.com]( was a place where only a small slice of the workforce sought new opportunities. Now it’s trusted by the world's top companies (including Google) and at any given moment has hundreds of jobs you can do in your PJs. Other good sites for finding remote work are [flexjobs.com]( and [indeed.com](’s remote work section. If you are keen to get into the Web3 blockchain space, [cryptojobs.com]( is also a great resource. While the crypto industry is in a chaotic phase right now, there are still many well-funded startups looking for talented people to help grow their businesses. One of the most inspiring examples of side hustling involves those who showcase a hobby or secret talent on maker sites like Etsy, and emerge with a new career. Do You Dream of Becoming a Maker? One of the most inspiring examples of side hustling involves those who showcase a hobby or secret talent on maker sites like Etsy, and emerge with a new career. This past fall, the website Starter Story featured [47 Etsy Success Stories]( that offer inspiration for imagining, creating and turning your particular craft — or dream — into a business. The result might be a new source of income. Or maybe you take a step closer to living your best life. COMMUNITY CORNER Whether in business, art or community service, who gives you inspiration? 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