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The Wealth Matrix – Shifting from Active to

Passive Income
By 5 Day Weekend | Keep More Money | 0 comment | 6 February, 2018 | 3

“Rome wasn’t built in a day,” the old saying goes. Well, neither will your 5 Day Weekend be built in a day.
When you’re building anything, there’s a logical process to follow. It is important to see the big picture
and how each part interacts with the whole. Understanding the sequential steps in the process is
essential, so you don’t build something prematurely that later has to be fixed.


The Wealth Matrix is the process for shifting your income sources from active to passive, with the goal of
building your 5 Day Weekend. It consists of the following five phases:

The Five Phases of the Wealth Matrix

1. Foundation
The Foundation phase is putting your house in order. It’s looking at your existing resources and
maximizing their efficiency, before focusing on developing more resources. You reclaim dollars that are
currently being drained from your finances using our cash flow recovery method. This enables you to
then utilize those freed-up funds for investing.

2. Entrepreneurial Income
The focus on this phase is to increase your income as much as possible so you have cash with which to
invest. Entrepreneurial income is income you earn outside of a job. Ideally, it is generated even if you’re
not physically present. However, it may be more active income in your early stages.

3. Growth Investing
In the growth phase you start using the cash you’ve recovered from your existing resources and the new
income you’ve generated to invest in more passive income streams that are conservative and safe. Save
to invest, don’t save to save. The only reason to save money is to invest it.

4. Momentum Investing
Once your new investments start generating cash flow, you have more cash to play with. You can now
invest in projects with potentially higher returns, but also with higher risk. Loop and recycle any
potential profits and reinvest back in Growth investments and assets.

5. Lifestyle
With enough passive income streams in place, your investments can now fund and service your lifestyle
and freedom.
In my next post, I explore these phases in a little more detail. I’d love to hear from you about this
process, however: what do you think about these phases of creating wealth? Are they possible for you?
Thank you for sharing your thoughts.

Secure your copy of the “5 Day Weekend” book. 5 Day Weekend: Freedom to Make Your Life and Work
Rich with Purpose [Nik Halik & Garrett Gunderson]

http://clik.li/5dwb

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8/1/2019   How it Works | 5 Day Weekend BLOG CONTACT

HOME WHY A 5 DAY WEEKEND?  THE BOOK MEDIA ABOUT US 

How it Works Home  How it Works

Add 3 More Days to Your

Weekend with 5 Easy Steps!

In the 5 Day Weekend® book, authors Nik Halik and Garrett

Gunderson give you a plan that shifts your income sources from
active to passive.

The Plan Consists of the Following 5 Steps:

Step 1 – The Foundation – Keep More Money

Step 2 – Income Growth – Make More Money

Step 3 – Wealth Creation- Grow More Money

Step 4 – The Journey – Power Up!

Step 5 – Freedom Lifestyle – Live Your Purpose.

Step 1 – The Foundation – Keep More

Money
This foundational step is about putting your house in order. It’s looking at your existing
resources and maximizing their efficiency before focusing on developing more resources. You
reclaim dollars that are currently being drained from your finances using our cash flow-
recovery method. This enables you to then utilize those freed-up funds for investing.

First and foremost, you have to stop the leaks in your financial bucket and keep more of what
you earn. We find that more than 10 percent of most people’s income is being lost to Uncle
Sam, big banks, and Wall Street.

Reclaiming the cash lost to these sources gives you an immediate cash flow increase without
spending more time or changing any of your habits.

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8/1/2019 Step 2
How it Works | 5 Day Weekend – Income Growth – Make 

More Money
The focus on this step is to increase your income as much as possible so you have cash with
which to invest. Entrepreneurial income is income you earn outside of a job. Ideally, it is
generated even if you’re not physically present. However, it may be more active income in
your early stages.

You’ve heard the common phrase, “It takes money to make money.” This is patently untrue.
Anyone can start right now with no money and create a way to make money.

However, what is true is that it takes money to invest. And the more you have to invest, the
faster you can develop passive sources of income. Therefore, the next step is to increase your
cash flow by engaging in entrepreneurial ventures. These can be done on a part-time basis,
and many can be done without spending much time at all by simply leveraging your existing
assets.

Step 3 – Wealth Creation – Grow More

Money
This foundational step is about putting your house in order. It’s looking at your existing
resources and maximizing their efficiency before focusing on developing more resources. You
reclaim dollars that are currently being drained from your finances using our cash flow-
recovery method. This enables you to then utilize those freed-up funds for investing.

First and foremost, you have to stop the leaks in your financial bucket and keep more of what
you earn. We find that more than 10 percent of most people’s income is being lost to Uncle
Sam, big banks, and Wall Street. Reclaiming the cash lost to these sources gives you an
immediate cash flow increase without spending more time or changing any of your habits.

Step 4 – The Journey – Power Up!

The payoff of a 5 Day Weekend® is a lifestyle of freedom. But before enjoying the payoff, you
must pay the price. Achieving your 5 Day Weekend® requires that you conquer adversity,
overcome your weaknesses, leverage your gifts, and become your best self. This is done
through four key disciplines: strengthening your mindset, building your inner circle,
fortifying your habits, and amplifying your energy.

When most people start out, most if not all of their income is active. To shift to more passive
income streams, resources are required to invest. You start by creating as much discretionary,
investable income as possible from your existing resources. Next, you start side projects to
increase your income.

Once you’ve put enough money together, you start investing. You start by investing in
yourself. If you have less than $5,000, invest in yourself by seeking mentoring, taking courses,
and reading books. As your knowledge increases, you’ll be surprised by the investment
opportunities that arise for you.

Once you start investing, your investments build over time, thus shifting your income from
active to passive. Depending on your starting point and how aggressive and effective you are
with the process, within five to ten years the majority of your income should be passive, and
you’ll be able to work two days and enjoy five days of weekend each week.

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8/1/2019 Step 5 – Freedom Lifestyle – Live Your How it Works | 5 Day Weekend 

Purpose
With enough passive income streams in place, your investments can now fund and service
your lifestyle and freedom.

This may mean buying an expensive car or a luxurious villa overseas, or enjoying
unforgettable getaways to the most exotic regions of the world. It may be spending more time
with your favorite charity or underwriting an important cause.

The possibilities are endless.

Live Your Life on Your Own Terms…

Plan Your 5 Day Weekend® Lifestyle Today

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8/1/2019 Growth Investments: The 'Bank Strategy' | 5 Day Weekend

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Growth Investments: The ‘Bank Strategy’ Think Outside the Box, Pus
Boundaries of Possibility
By 5 Day Weekend | Keep More Money | 0 comment | 16 May, 2018 | 0

Amplify Your Energy

With a $70 billion net worth, Warren Buffet is one of the world’s wealthiest investors. His company,
Fortify Your Habits
Berkshire Hathaway, is a heavy investor in the insurance industry, generating billions in premiums.
Over the past decade, Berkshire Hathaway has amassed a significant war chest of available cash flow Five Keys to Building Your
reserves that have yet to be paid out to cover insurance claims in the future. The company has used
these reserves to purchase and revitalize struggling businesses. Build Your Inner Circle

The lifeblood of Warren Buffett’s cash flow system—insurance premiums—inspired my Bank Strategy
well over a decade ago. This involves creating insurance policies to generate premiums using credit
spreads on the financial market. I create these credit spreads on the diversified portfolio of the S&P 500,
which is a basket of the leading and largest 500 capital stocks in the world. I don’t create contracts on
individual stocks because they are too volatile. Creating them on the entire S&P 500 gives me more
control and less market volatility.

How it works is like this: I create an insurance policy on the performance of the S&P 500. Speculators
and hedge fund managers buy these policies to hedge their bets. These contract buyers are “worried
bulls,” meaning they believe the market is going up, but they want to mitigate their risk. If the market
goes up, they’re only out the relatively low amount they’ve paid for insurance premiums. If the market
goes down and they lose money, the insurance policy pays out to restore what they lost. I’m protected as
the contract holder because I’ve created my contract at a price significantly below the current trading

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8/1/2019 Growth Investments: The 'Bank Strategy' | 5 Day Weekend

price of the S&P 500. In other words, the entire S&P500 index would have to seriously plummet for us to 

be at any risk.

Insurance companies are so stable and profitable because they mathematically stack the odds in their
favor; only a small fraction of policyholders ever make a claim on their insurance, and the insurance
companies keep the majority of the premiums. I apply the same mathematical methodology but on the
financial markets.

As a form of cash flow to be used for purchasing assets and other investment purposes, I incorporate the
Bank Strategy in the same manner. Insurance policies have expiration dates. I do the exact same thing,
but my insurance contracts in the financial markets have a lifespan of just six days, minimizing my risk
in the market. I identify a “safe zone” and create an insurance policy contract at a certain price below
the current market activity each Friday and close out the contracts the following Thursday. I do this
every week, four times per month and it only takes a few minutes to transact.

I originally shared this system of cash flow generation with high-end coaching clients, and I opened it to
the general public in July of 2012. The average client monthly return since inception is 1.7% and 20.4%
annually. This is backed up with live trading, historical and statistical data. After any negative month, we
normally make our money back within two to three weeks in the following month.

This lazy “money game” strategy, with its mathematical probability (if played correctly), has serious
appeal. In a free-market economy, there are no borders or restrictions as to how much money anyone
can generate. Your ethnicity, highest level of education, letters after your name or IQ is irrelevant when
it comes to generating it.

To learn more about the Bank Strategy, visit www.5Day- Weekend.com.

In my next post, I’ll explore another excellent way to generate cash flow: storage units.

In the meantime, I’d love to hear from you – what are your thoughts about this remarkable bank
strategy? Do you feel it’s something you could profit from? Thank you for sharing.

Secure your copy of the “5 Day Weekend” book. 5 Day Weekend: Freedom to Make Your Life and Work
Rich with Purpose [Nik Halik & Garrett Gunderson]

http://clik.li/5dwb

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