5661f-141a-22e8-2eaf-1400bbb28e2e_Make_Work_Optional

HOW TO
MAKE WORK
OPTIONAL
Create your Realistic Plan to Financial Freedom
even if you are a complete beginner and you don’t
have too much time to invest in the stock market
By Vittorio Rigato, Stoic Money Founder

Make Work Optional
Make Work Optional

By Vittorio Rigato, Stoic Money Founder
3 Introduction
6 The Goal of Financial Freedom

INDEX
22 Your checklist before Investing
31 Define your Investing Plan
48 Your Next Steps
58 Bonus Resources
Make Work Optional
Introduction
My mission is to provide the best

financial education to unlock a
safer and more rewarding future
Hi! I am Vittorio Rigato and I am the Investing Coach behind Stoic Money.
I believe investing can change your life as long as you build a realistic strategy
to Financial Freedom. And that, my friend, is where I come into play.
I didn’t always see it that way though: when I was 18, I was taught that
investing is a dangerous path and should be left to professionals. I believed
that a good job with a fixed salary was the only possible path to a safe
retirement.
Yet, the idea that 40 years of my life had already been planned ahead by a
never-ending cycle of work, bills, repeat… It seemed just wrong. I wanted
more than that. And I was 100% sure that giving my hard earned money to a
third person, like a financial advisor, was not the solution. Besides, I didn't
want my Financial Freedom to depend on someone else.
Since I was seeing so many friends trusting their local banks to earn nothing, I
started asking them: "Why don’t you invest in the stock market yourself?"
The answers were always the same…
© Copyright 20 23 Stoic Money. All Rights Reserved Page 3

Make Work Optional
Introduction
Why don’t you invest in the stock market yourself?
I don’t know I don’t have It is too It is too risky

where to start time to do it complicated
These answers have one root cause: lack of knowledge.
And so this is why I created Stoic Money: to provide people with everything
they need to invest independently and reach Financial Freedom!
I achieve this through my customized 1:1 coaching programs, 24/7 support,

practical resources and access to a network of expert investors.
Because no matter your location, income or background... If you want to make

work optional, create a passive income and reach early retirement...
You just need one thing: Motivation.
And if you have that, I will give you everything else you need to succeed!

Make Work Optional
Introduction
This book is designed to giving you the best starting point to

become a Successful Investor
The worst mistake you can make is to start throwing money around in the stock
& crypto markets. While on social media, everyone makes it seem “so easy”
to make money as investors, not many talk about how you could easily lose
your annual salary in a single day if you have no clue of what you are doing.
After all, it’s much more interesting to hear about the guy that turned $10,000
into $1,000,000 than considering the other hundreds or thousands of investors
who didn’t make it!
This e-book will give you a strong foundation to setup an investment plan to
help you create a passive income and ultimately make Work Optional.
The content is divided in 2 parts:
• Part 1 will define the goal and the obstacles of investing
• Part 2 will focus on the steps you need to take to invest successfully
My aim was to summarize in an easy and engaging way what I wished I had
known when I started to invest many years ago. Hope you enjoy!
Vittorio Rigato, Stoic Money Founder

Part 1
The Goal Of
Financial Freedom
Make Work Optional
The Goal of Financial Freedom
If I asked you why would you like to start

investing, you would probably say…
I want a I want to make I want to build

passive income! more money! capital!
But in reality you are only looking for one thing:
Time
Time to spend for your passion. Time to spend for yourself.
Time to spend with your dear ones.
That same time that you see disappearing before your eyes, because you need to
Work. Pay bills. Repeat.
What you need to break out of this cycle is a strategy to Financial Freedom.
But what does it actually mean?

Make Work Optional
The Goal of Financial Freedom

Financial Freedom is a condition where you don’t need to work as your income
is provided passively by your assets, which can include your portfolio.
Example: Laura needs ~$3,000 / month (~$35,000 / year) to support her

lifestyle. She has invested in the past and now has a portfolio of $500,000.
With an investing strategy that provides an average annual return of 7%, it
means that her portfolio generates ~$35,000 every year.
If she withdraws $35,000 from her portfolio at the beginning of every year, she
can pay for her lifestyle without the need to work one single day!
+7% +7%
$500,000 $535,000 $500,000 $535,000
-$35,000 -$35,000
2023 2024
This is Financial Freedom. This is what you can, and should, strive towards.
I will prove you that anyone can build and manage a portfolio of $1,000,000 or
more. But in order to do so, we first need to bust some myths about investing.
Simplified example. An actual calculation incudes inflation, taxes and a more conservative withdrawal rate (2-4%)

Make Work Optional
Myths about Investing
01 You need to time the market
02 You need a lot of money to invest
03 You need to be a market expert
04 You need to spend a lot of time
05 You don’t need to invest

Make Work Optional
Myths about Investing 01
You need to time the market to make money
The stock market average return for the past

100 years was 10% per year
• If you invested only $100 in the S&P500 at the beginning of 1900, you would
have $11,057,099 today. And keep this in mind: this period includes 2 World
Wars and several economic recessions.
• The secret is not to buy and sell continuously but to stay invested for years

Make Work Optional
You need a lot of money to start investing
Anyone can reach $1,000,000 by investing as

little as $100/month through compound interest
• When you save money, your net worth increases in a linear way
• When you invest money, your investments grow exponentially over time, as
you earn interest on both the money you’ve contributed and on the interest
you’ve earned in the previous years. This is the compound interest effect

Make Work Optional
You need to be a expert trader to understand

what to do with your portfolio
Anyone can become an Independent Investor

with the right investing notions
Passive Investor Active Trader
1-4 hours per month Time 8+ hours per day
Reach financial freedom Target Make an active income

while living your life and sustain yourself
Index funds Likely Single stocks

ETFs Products Options
Single stocks Derivatives

Make Work Optional
You need to spend a lot of time to follow the

market daily trends and to analyse charts
Day-trading should be avoided unless you plan

to dedicate a full-time career on it
1.6%
98.4%
Traders making a living out of trading

Traders NOT making a living out of trading
• Day trading refers to the practice of buying and selling stocks multiple times
during the day. You cannot be a successful day trader with a full-time job.
• As a Passive Investor you can build a portfolio strategy that adapts around
the time you have, from 5 minutes per month to few hours per week

Make Work Optional
You don’t need to invest, you can become

wealthy just by saving money
Investing is necessary if you want to counter

inflation and build generation wealth
Nominal value Real value

The value that is stated Adjusted price that accounts
on a coin or note for price changes (inflation)
2000
= $5 =
$5
2023
=
$5
• Inflation causes our savings to lose value over time. To keep (and increase)
our wealth, we need to invest in assets such as stocks and real estates
• Given the huge debt of most developed countries, you shouldn’t solely rely
on governments for your retirement
• The stock market is a proven way to break the chain of poverty and build
generational wealth to ensure a much better life to you and your family

Case Study from Stoic Money Students
How Victoria Beard transformed her

approach after learning about the 5 myths
When Victoria joined my 1:1 coaching program was very unsure about a lot of
things and was lacking knowledge and confidence.
She was overwhelmed by the amount of information out there and had troubles
distinguishing what was real… and what was a myth!
In our work together we opened the right broker for her, found the investments
suited for her… And build her financial freedom strategy!
The biggest transformation for her was the realization that she could actually
retire early by starting to invest now thanks to the power of compounding
interest.
“I have been thinking about investing for years and I kept

postponing. Now I wish I did this 10 years ago”
Click here to watch Victoria testimonial
Click here to watch Victoria testimonial
© Copyright 20 23 Stoic Money. All Righ ts Reserved Page 15

Make Work Optional
Why do so many Investors fail?
If it were so easy, everyone

would be a millionaire.
Where’s the catch?
The average investor makes only 2% per year in the market, while the market
average return is 10%.
This huge gap in difference is the result of 3 obstacles.

You need to overcome them all if you want to achieve Financial Freedom.
Let’s have a look:

Make Work Optional
Obstacle 1
Lack of Knowledge
Before even thinking to invest, you need to understand what you are doing.
The problem: 90% of the information out there is useless.
I remember when I started to learn about investing and could summarize the
feeling with one word: overwhelming.
To succeed, you need to focus on the right 10% of profitable information.
In other words, you must answer to these 4 questions:
1. Do you have a clear understanding of how the stock market works?

2. Can you explain in simple words the differences across stocks, bonds,
funds, ETFs and crypto?
3. Are you aware of any tax advantaged account in your country and are you
using it?
4. Do you know how many fees you are paying with your broker and
whether it is the most convenient one?
Your first task is to build the knowledge to answer successfully these 4 key
questions. If you are able to do so, you’ve just destroyed the first obstacle!

Make Work Optional
Obstacle 2
Lack of Strategy
Even if you know the rules the game, you won’t succeed unless you stand out
from the crowd. There is no magic formula that works for everyone: your
strategy should be based on your income, age and long-term goals.
A 20-year old with no monthly expenses and a 25-year investing horizon will
have completely different needs compared to a 45-year old with a family and
the goal of reaching retirement in the next 10 years.
This is why I am worried when on social media some guy recommends “One-
Size-Fits-All” strategies. It simply doesn’t work like that.
So here we have 4 more questions to answer to overcome this obstacle:
5. What is your long term goal? (here are some ideas: create a passive
income? Make work optional? Secure your retirement?)
6. How much money do you need per month to be financially free?
7. How much can you invest every month consistently?
8. How much time can you dedicate to investing every week?
In the second part we will focus on setting up a plan based on your answers.

Make Work Optional
Obstacle 3
Lack of Mindset
Without the proper mindset, your knowledge and strategy are worthless. After all,
even the greatest investing plan won’t help you if you get easily emotional!
You need to answer these two final questions:
9. Are you able to analyse market trends while keeping your emotions under
control?
10. Do you have a backup plan if your strategy does not go as planned? (e.g.: what
will you do if tomorrow you lose 40% of your portfolio?)
N.B.: if you build the right strategy this shouldn’t happen, but it’s still a good mental exercise…
To build up the right mindset, we need to become Stoic Investors.
Stoicism is defined as the endurance of pain or hardship without the display of

feelings and without complaint.
In the investing world it means to keep your emotions under control, something
Warren Buffett himself suggested to be absolutely necessary.
A Stoic Investor has the capacity to predict, face and sustain the unpredictability of
investments in the short term.
That’s why I teach my students how to become Stoic Investors!

Make Work Optional
Part 1: Summary
Let’s summarize what you have learned in Part 1:
To make Work Optional you must build up a big enough

portfolio so that every month you can get a passive income for
your expenses while your wealth keeps growing. First you
accumulate that big portfolio, then you think about receiving a
passive income.
The average return of the market is 10% per year.

By setting up the right strategy, we can capture this return with
just few hours per month to manage our investments.
Over the years, the compound interest effect will create
generational wealth while countering inflation.
The average investor return is just 2% per year.

This is because if you want to invest successfully and ultimately
reach Financial Freedom, you need to address 3 obstacles: lack of
Knowledge, lack of Strategy and lack of Mindset
Let’s put in practice what we learned. Move to Part 2!

Part 2
Your Checklist
Before Investing
Make Work Optional
Your checklist before Investing
By skipping this checklist, I lost

$12,500 on one of my early
investments
Many years ago, I invested $25,000 on a stock that I was sure was going to
bring great results in the following 3 months due to a new product launch.
However, just 1 month later, I realized that I needed the money I invested for
an unexpected personal expense that could not be delayed.
Since I didn’t have an emergency fund, I had no choice but to sell my

investment earlier than expected… when it was worth only $19,000!
Not only did I lose $6,000 because of the early sale, but my investment thesis
was right, because the stock skyrocketed only few weeks later. If I had kept my
investment, I would have gained $6,500.
As you can see, without a proper checklist, I lost $12,500 total: $6,000 as
effective loss and $6,500 as lost opportunity.
This is one of the many situations that made me realize that in order to invest
effectively, we first need a plan to ensure that our personal needs won’t
affect our portfolio. In other words, we need to ensure that our finances are in
the right place. And that’s exactly what we are going to cover now!

Make Work Optional
Your checklist before Investing
The first thing to do is to get in control of your financial situation and overcome
any challenge that may slow you down in your journey to Financial Freedom.
Down below you can find 3 steps that will surely help you do so:
If you make money on your

Step 1 investments but you need to pay off
Pay off high interest debt the same amount for your debts, you
won’t make progress.
Once you have a budget, you know how

Step 2 much you can afford to invest every
Set up a budget plan month. It becomes much easier to
realize your investing goals.
With an emergency fund in place, you

Step 3 can take care of unexpected expenses
Create an emergency fund without taking money from your long-
term investments.
By setting up a clear goal, you will stay

Step 4 on track with your contributions and
Define your investing plan know how to react to unexpected
challenges in the market.
Take a pen and get ready to analyse your situation!

Make Work Optional
Pay off High Interest Debt
High interest debt is defined as any rate above 6% to 8%. You should prioritize
paying off these debts before considering to invest, as any gain you are making
on the market will be nullified by the interest rates on your loans.
There are mainly two methods to pay off debt:
Snowball Method Avalanche Method

Pay off the smallest balance first, Pay off the highest interest rate
while making the minimum first, while making minimum
payments for all your other debts payments on all your other debts
Settling debts fast builds Pros Minimizes the amount of

motivation interest to pay
Easy implementation with less Reduces the amount of time

tracking needed to get out of debt
People with variable income Best for Budget oriented people
Prioritize paying off your high-interest debt before investing!

Make Work Optional
Set up a Budget Plan
The only way to plan your way to Financial Freedom is to be in control of your
lifestyle or, in other words, live within your means.
However, please keep in mind that your goal shouldn’t be setting up a budget
tracker (a tool that tracks what you spent last month). After all, the past is
behind you and there is not much you can do now to change it.
Instead, aim to build a budget plan. Believe me, you want to start from your
income and plan ahead where your money will be spent, invested or saved.
Here are the 4 steps to create it:
Calculate your monthly net income, including any extra

01 sources of cash (e.g.: rental income)
Note down your fixed expenses like rent and other

02 fixed payments such as subscriptions
Plan how much you will spend on variable expenses

03 such as grocery, leisure, restaurants
The money left can be allocated across savings and

04 investment contributions
Create your budget on a paper, excel or any other calculator

Make Work Optional
Set up a Budget Plan

Here is a budget plan example using my All-In-One Money Tracker:
In the example, my friend Mario will be able to invest $700 / month while
covering all his expenses and saving $180 / month for an emergency fund

Make Work Optional
Create an Emergency Fund
Now that you are familiar with your monthly expenses, you need to put some
money aside in case of unexpected expenses such as medical bills, home repair
and accidents. This will be your Emergency Fund.
Keep in mind that your savings mainly depend on 2 factors:
Your lifestyle Your risk

variability aversion
Based on these 2 factors, you can define your ideal emergency fund:
3 months 12 months
Lack of protection Saving between 3 and 12 Too much

in the event of months of expenses will savings will lose
unexpected protect you appropriately value to inflation
expenses
Once you define the right amount, calculate how long

it will take to reach your target Emergency Fund

Make Work Optional
Create an Emergency Fund

Here is the target emergency fund (EF) calculator using my
All-In-One Money Tracker:
From the previous example, we know that Mario earns around $2,500.
As he is spending $1,670 / month on average and investing $700 / month, he
will save $180 / month.
Mario wants a small emergency fund (3 months), therefore based on his

expenses he will need $5,010 ($1,670 * 3). He currently has $3,000 in his
emergency fund, so he is missing $2,010 to reach his target.
By saving $180 / month, he will need 11 months to reach his target EF.

Kevin McCabe built an All-In-One strategy:

from his budget to his investment plan
Kevin is an Irish expat currently living in Singapore, but looking to relocate in

Ireland in the medium term. The combination of living abroad and planning to
move made it difficult for him to have a clear investing plan.
Everything felt overwhelming!
When we worked together, we first looked at his budget plan and we optimized
it, in order to have a clear idea of how much he would be able to contribute to
his investments every month. Then, we considered the tax implications of a
future relocation and ensured he paid as little taxes as possible.
Now Kevin is on track to build a $1,000,000 Net Worth… So that he will then be
able to relocate to his home country!
“If I didn’t join this program, my money would be still sitting in the
bank. And this will cost you thousands of dollars in the long term”
Click here to watch Kevin testimonial
Click here to watch Kevin testimonial

Part 3
Define Your
Investing Plan
Make Work Optional
Define your Investing Plan
Once you covered the first three steps, you are finally able to invest without
worrying about your personal finances.
It’s now time to define your long-term investing plan!
If you make money on your

Step 1 investments but you need to pay off
Pay off high interest debt the same amount for your debts, you
won’t make progress.
Once you have a budget, you know how

Step 2 much you can afford to invest every
Set up a budget plan month. It becomes much easier to
realize your investing goals.
With an emergency fund in place, you

Step 3 can take care of unexpected expenses
Create an emergency fund without taking money from your long-
term investments.
By setting up a clear goal, you will stay

Step 4 on track with your contributions and
Define your investing plan know how to react to unexpected
challenges in the market.
Get ready to answer some key questions

Make Work Optional
Define your Investing Plan
It is now time to take action and understand what kind of investor you’ll be, as
that will define your next steps in the market.
Your Investing Plan will be based on…
Your Portfolio Your Financial

Strategy Freedom Goals

Make Work Optional
Your Portfolio Strategy
Your portfolio strategy will determine how to behave in the market and what
type of investment approach you can follow.
To build one, you only need to answer 3 key questions:
01 Broker
How will you access the market?
02 Time Horizon
When will you need the money invested?
03 Your Role
Are you ready to invest in the stock market yourself?
Check the next page for the answers

Make Work Optional
Your Portfolio Strategy
01 How will you access the market?
In order to become an investor, you first need to open a brokerage

account and then you need to build a portfolio.
You can do this through your bank or several apps.
You can check out the best one for you on Brokerchooser.com
02 When will you need the money invested?

< 1 year 1-7 years >7 years
Keep your money in Avoid high volatility Build a plan to

your saving account products Financial Freedom
One year is not a In the medium-term With a time horizon
long enough time you are still affected of 7+ years you can
horizon to make by macro economic aim towards
great returns, and factors, therefore life-changing
you may lose money you should avoid too financial goals and
that you need for high-risk products can invest freely in
other goals. different products
03 Are you ready to invest in the stock market yourself?

Not really Yes!
Work with a financial advisor

Invest yourself
You should still know the
This is how I built my own
basics and make sure that
path to Financial Freedom
there are no conflict of
and how I help my students
interests for the advisor!

Make Work Optional
Your Financial Freedom Goals
Once you start investing, the goals you can reach are limitless.
Make Work Optional, reach Early Retirement or just create a consistent Passive
Income are realistic goals with the right investing plan. The better we can
visualize our long-term goals, the easier it will be to reach them.
Therefore, you now need to understand what is your Final Goal.
01 How do you imagine your ideal life?
What is your dream age to reach that

02 ideal lifestyle?
How much income do you need per

03 month to sustain your ideal lifestyle?
Your investing plan should provide you with that income consistently every
month for you to be Financially Free.

Make Work Optional
At the beginning of this book we defined the goal of Financial Freedom.

Let’s review what we need to do:
We want to build a big enough portfolio…
… So that we can withdraw a monthly passive income

and make Work Optional
How much should be withdrawn?

The most common rate used is 4%. If you withdraw every year 4% of your
portfolio, while the remaining 96% keeps growing in your account, you will
statistically enjoy decades of Financial Freedom!

Make Work Optional
What is most amazing about this formula is that it also works in reverse! In
other words, starting from our desired monthly passive income we can
calculate how big our target portfolio should be:
If we want a certain passive income every month…
… We need first to accumulate a certain portfolio size!
Following the same logic, if we need to multiply our portfolio amount by 4% to

calculate how much we will withdraw every year… We can divide our desired
annual passive income by 4% to calculate the portfolio size needed!
N.B.: dividing by 4% is the equivalent of multiplying times 25

Make Work Optional

Here is the Portfolio Size calculation using my
In this example, Mario current costs are $2,000 / month.

However, he assumes his living costs to increase of 50% in the future due
changes in his lifestyle (e.g.: kids) and inflation. Mario desired monthly passive
income is therefore $3,000 / month (or $36,000 / year).
By dividing this amount by 4% (which is the equivalent of multiplying times 25),

Mario defines the portfolio amount needed for that goal: $900,000.
Therefore, his goal as investor will be to accumulate this amount over the years
before even considering to withdraw any passive income.
Once he reaches this amount, he will be able to get a $3,000 passive income
every month.

Make Work Optional
Stop right there!
I know exactly what you are thinking right now…
You were probably almost dropping this book after reading $900,000…
You are probably thinking: “That much? How can I even think of reaching
$900,000 by investing few hundred bucks every month…”
I am here to change your mind.
I am not saying that by starting to invest this year you will find yourself with
$900,000 next year. That… probably won’t happen.
You may be lucky on certain investments, but assuming to reach a Millionaire

status from zero in a short timeframe is reckless.
However, we can definitely reach this and even bigger amounts with a long
enough timeframe… Even if you plan to invest just few hundreds every month.
Because this is where the magic of compound interest begins…

Make Work Optional
Let’s summarize what we have learned so far.

Let’s take Mario situation as example and assume he successfully completed
the first 3 steps of the checklist. He he is prepared to start investing:
No high interest Based on his Solid

debt budget, Mario can Emergency fund
invest $700 / month
With the same logic, we assume that based on the portfolio strategy diagram
Mario is in the perfect position to become a successful investor:
Safe and not 7+ years Independent

expensive broker time horizon investor
And lastly, we know that these are Mario’s Financial Freedom Goals:
For which he requires…
$3,000 / month as $900,000 as

passive income invested portfolio

Make Work Optional

Here is the Future Net Worth calculation using my
Mario invests $15,000 at the beginning of 2023. He then invests $700 / month,
while increasing his contributions every year of 2% (e.g.: in the first year he
invests $700 / month, in the second year he invests $714 / month, …)
Assuming the average stock market return of 10% Mario will reach his target
Net Worth of $900,000 in 22 years. He will then be able to receive $3,000 /
month as passive income every month!

Make Work Optional

The Target Net Worth calculator lets you play different scenarios:
What if Mario invests $350 / month instead of $700 / month?
By investing half, Mario will take 27 years instead of 22 to reach his target.
How is it possible that it takes only 5 more years, if he is investing half?
That’s the magic of compound interest. Your portfolio will grow exponentially
over time, even if you invest a lower amount per month.

Make Work Optional

The Target Net Worth calculator lets you play different scenarios:
What if Mario invests $700 / month for 10 more years?
By investing for 32 years instead of 22 years, Mario Net Worth will triple!
Once again, that’s the magic of compound interest.

The earlier you start investing, the more you can gain.

Mashail Alijaiff built a roadmap to

$2,000,000 from zero
Mashail is based in Dubai and was looking for a very personalized journey to
become an independent investor, as she understand the importance of knowing
how to manage your money yourself.
During the coaching program she learned how to adjust her strategy based on
the stock market situations and challenges (inflation, interest rates, market
crashes, …) so that she can always come out on top and make money.
With my guidance, we polished her current situation, defined the right

investment budget and created a realistic roadmap that will let her achieve
$2,000,000 Net Worth and a $8,000 monthly passive income in 12 years.
“I want to encourage the younger generations to start to invest as

early as possible. Compound Interest can work great for you”
Click here to watch Mashail testimonial
Click here to watch Mashail testimonial

Make Work Optional
Part 2 & 3: Summary
Let’s summarize what you have learned in Part 2 & 3:
Before you even consider to invest, you need to be in a financially

comfortable position. First, pay off any high-interest debt that
would reduce your net worth gains. Once you do this, you set up
a monthly budget plan, which will help you understand how
much you can invest every month. Lastly, you create an
emergency fund that can cover your expenses for 3 to 12
months.
To create an investing plan, you first create your portfolio

strategy. The strategy is defined with three questions:
1) Which broker are you going to use to access the market?
2) How long are you going to invest your money?
3) Are you going to invest independently or with a financial
advisor?
Defining a precise long-term goal will help you stay consistent

on your path. Once you define the ideal monthly passive income
you want to achieve, you can calculate the portfolio size you will
require to receive that passive income. Your portfolio size should
be 25 times your desired annual passive income.
Let’s talk about the next steps to make this plan a reality

Your Next Steps
Make Work Optional
Your Next Steps
We are almost at
the end…
As you can see, I decided to take a different turn from most “beginner” e-books
about investing. Although it is very common to start directly by describing
actual investment products… “This is a stock”, “This is a bond”, etc. I believe
there are 2 problems with this approach:
1. Those books are usually very descriptive, with little-to-no practical use.
Even if you learn what a stock is, it is much more complex to then define
what a good stock is, when is the right time to buy and to sell, and
thousands of other variables that could never be thoroughly summarized
in a few pages, let alone comprehended.
2. While the steps to prepare yourself as an investor (e.g.: my checklist) are

applicable to anyone, there is no such thing as an investment that works
for everyone. Your age, income, country and many other factors will
eventually affect your portfolio. In my 1:1 coaching program, I help my
students define the right investments for them and I ultimately create
with them a realistic strategy to achieve Financial Freedom.

Make Work Optional
Your Next Steps
Let me help you figure out what is your next best move:
Knowledge level What you will learn How I can help you
• Define the goal of Financial

Freedom and how to get there
• Learn the myths about
investing and what you need
Finance to succeed
Apprentice • Prepare yourself financially to
become a successful investor This e-book
• How to get started with your

first investments
• How to find the safest and
Money least expensive broker
• Practical examples on how to Get Access to
Wizard
invest in the stock market the Playbook
• Setup a portfolio to reach

Financial Freedom
• Learn to analyze stocks,
bonds, funds, ETFs and crypto
Stoic through step-by-step trainings
Investor • Avoid any fee related to your Check
broker, investments and taxes Availability

Make Work Optional
Stoic Money Coaching Program
Looking for customized guidance?

My 1:1 coaching program is the right choice for you:
The goal of the program is to create together a customized strategy

to grow your wealth to $1,000,000.
With this amount, you will be able to receive a monthly passive
income of $3,000 - $4,000 for the rest of your life.

Make Work Optional
You will learn to:
1 Analyse any stock, bond, fund, ETF and crypto by

following a precise investing checklist
Say goodbye to any fee related to your broker,

2 investments, taxes and financial advisor
Customize and monitor your investing portfolio with

3 just 5 minutes per month
Reach Financial Freedom in the shortest amount of

4 time possible and with certainty
React effectively to any market condition by adopting

5 the 10 Stoic investing principles
Check availability
Check availability

Make Work Optional
The All-In-One Money Tracker is included with the program and it is the only
tool you will need to manage your finances, including investment tools to
improve your results on the market.
Budget Plan Future Net Worth Calculator
Portfolio Performance Current Investments
Check availability
Check availability

Make Work Optional
This is the right program for you if:
You want to create a monthly passive income that

can substitute your 9-5 job in the long term
You are motivated to reach 7-figures generational

wealth for you and your family
You want an investing strategy that can be easily

managed alongside your job
You understand that Real Wealth is built in the long

term and overnight results are an illusion
You don’t have high interest debt and have a proper

emergency fund already in place
Check availability
Check availability

Make Work Optional
3 more reasons to apply for my 1:1 coaching program:
it's an All-In-One package

I built this program with the clear idea to put everything – and I
mean everything – you need in one place. After this program,
you will be able to invest independently for the rest of your life
It has hundreds of Success Stories

Hundreds of employees and professionals worldwide trust me
and are actively part of my community. Their video testimonials
are all documented on my website
It has a 100% Money Back guarantee

My strategy has worked for me and for dozens of people I have
worked with, so I am sure of its value. However, if you are not
happy with the value provided, you will get 100% of your
money back
Check availability
Check availability

Make Work Optional
Multiple Finance News Sites talked about Vittorio and

Stoic Money coaching program
There’s No Get-Rich-Quick-Scheme – Investment

Expert Vittorio Rigato’s Approach in a Nutshell
Read the full article
Stoic Money Launches 1:1 Coaching Program for

Beginner Investors
The main publications are documented on Stoic Money website. Click here to read them
The main publications are documented on Stoic Money website.
Click here to read them

WHAT PEOPLE SAY ABOUT STOIC
MONEY
1 : 1 COACHING PROGRAM
Click Here to watch hundreds of
verified video testimonials
Bonus Resources
Make Work Optional
Our Manifesto
The traditional education system failed us.
No one taught us how to manage our finances, make the right investment choices and build
generational wealth for our family.
Instead, they taught us the safe path to get a job, get in debt for decades, and be locked in
a cycle of work, pay your bills and repeat for 40 years.
After all, it’s not in the interest of society to teach you how to become financially free .
It’s much better to keep you chained to your job and be a productive member of society
until you are 70 years old.
However, just because society did not teach you how to these things, it’s not an excuse to
just accept your fate and passively endure the rat race for all your life.
You cannot control everything that happens to you, but you can control how you react to
the events
The philosophy of Stoicism teaches us to take responsibility for our own happiness.
No one is coming to save you: YOU are the only person that wants the best for your money
and your future.
No financial advisor or bank will have your best interest and instead will always take
advantage of your lack of knowledge.
It’s your responsibility to develop the skills to create the financial future you want for
yourself and your family.
You don’t have to follow the path written by society of working until retirement age.
There is an alternative for a more fulfilling life.
Our Mission is to provide people with the best financial education to unlock a safer and
more rewarding future.
We have a Vision for a more meritocratic world, in which anyone with a strong motivation
can achieve Financial Freedom, no matter their background or starting point.
And if you have that motivation, we are going to provide you with everything else you need
to succeed.
So stop enduring an unjust life or accepting that this is what is written for your destiny.
Embrace a better version of yourself and get back in control of your life.

Make Work Optional
About my background
Professional achievements
• I have learned the rules of finance the hard way: by managing a 7-figure
family portfolio for more than 8 years
• In my personal account, I gained +174% in 2021 by investing in ETFs,

individual stocks and crypto
• With Stoic Money, I have coached hundreds of employees and professionals

worldwide to help them become independent investors and create their
own strategy to Financial Freedom
• Before my coaching business, I worked in the FinTech industry in Frankfurt

(Germany) and managed financial products with value up to €100 Millions
Educational background
• Master Degree in Finance & Management at Frankfurt School
• Master Exchange in London Business School, with focus on systematic

investments and securities analysis
• Master Exchange in Harvard Business School
• Top 5% Worldwide result in the GMAT Test (assessment measuring

advanced math & intellectual skills)
Review my Linkedin profile
Review my Linkedin profile

Make Work Optional
Resources
My recommended brokers
InvestEngine for ETFs (Get a £50 Welcome Bonus)
Binance for mainstream crypto
Kucoin for undervalued crypto
Check out more brokers on Brokerchooser
My favourite daily market newsletters
The Morning Brew
The Daily Upside
Wall Street Breakfast by SeekingAlpha

Make Work Optional
Resources
Best beginner Investing Books
Great books on stock market facts & stories
Facts Stories

Make Work Optional
Do you have any questions?

Thank you for making it to the end of my e-book!
When I wrote “Make Work Optional”, my goal was to pass down some tried and
true tips so that you could start building your own investment path.
I consider very important to know that this goal has been achieved, so if you have
any feedback or questions on this matter, please don’t hesitate to reach out.
I would definitely appreciate any input to grow the value of this reading!
Reach out to me on Whatsapp
Reach out to me on Whatsapp
Vittorio Rigato
Investing Coach
Stoic Money Founder

This e-book is Stoic Money proprietary property and text and graphics on the e-book
(collectively, the "Content") are owned or controlled by Stoic Money and are protected by
copyright and trademark laws and various other intellectual property rights and unfair
competition laws of the United States, foreign jurisdictions, and international conventions.
Note: the Content has been provided to you for free for personal use, as it is not a direct
part of a selling agreement. You may not use it for commercial use. Commercial use is
defined as any use in which an individual or business derives or attempts to derive monetary
gain and benefit, either directly or indirectly, from the use of the Content.
The Content is for informational purposes only, you should not construe any such
information or other material as legal, tax, investment, financial, or other advice. Nothing
contained on the Content constitutes a solicitation, recommendation, endorsement, or offer
by Stoic Money and the author to buy or sell any securities or other financial instruments in
this or in in any other jurisdiction in which such solicitation or offer would be unlawful under
the securities laws of such jurisdiction. All Content on this e-book is information of a general
nature and does not address the circumstances of any particular individual or entity. Nothing
in the e-book constitutes professional and/or financial advice, nor does any information on
the e-book constitute a comprehensive or complete statement of the matters discussed or
the law relating thereto. You alone assume the sole responsibility of evaluating the merits
and risks associated with the use of any information or other Content on the e-book before
making any decisions based on such information or other Content. In exchange for using the
e-book, you agree not to hold Stoic money, its affiliates or any third party service provider
liable for any possible claim for damages arising from any decision you make based on
information or other Content made available to you through the e-book.
© Copyright Stoic Money. All Rights Reserved

5661f-141a-22e8-2eaf-1400bbb28e2e_Make_Work_Optional

Uploaded by

Copyright:

Available Formats

5661f-141a-22e8-2eaf-1400bbb28e2e_Make_Work_Optional

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

5661f-141a-22e8-2eaf-1400bbb28e2e_Make_Work_Optional

Uploaded by

Copyright:

Available Formats

HOW TO

By Vittorio Rigato, Stoic Money Founder

Make Work Optional

6 The Goal of Financial Freedom

22 Your checklist before Investing

31 Define your Investing Plan

48 Your Next Steps

My mission is to provide the best

The answers were always the same…

© Copyright 20 23 Stoic Money. All Rights Reserved Page 3

I don’t know I don’t have It is too It is too risky

These answers have one root cause: lack of knowledge.

I achieve this through my customized 1:1 coaching programs, 24/7 support,

Because no matter your location, income or background... If you want to make

© Copyright 20 23 Stoic Money. All Rights Reserved Page 4

This book is designed to giving you the best starting point to

The content is divided in 2 parts:

• Part 1 will define the goal and the obstacles of investing

Vittorio Rigato, Stoic Money Founder

© Copyright 20 23 Stoic Money. All Rights Reserved Page 5

The Goal of Financial Freedom

If I asked you why would you like to start

I want a I want to make I want to build

But in reality you are only looking for one thing:

© Copyright 20 23 Stoic Money. All Rights Reserved Page 7

The Goal of Financial Freedom

Example: Laura needs ~$3,000 / month (~$35,000 / year) to support her

© Copyright 20 23 Stoic Money. All Rights Reserved Page 8

Myths about Investing

01 You need to time the market

02 You need a lot of money to invest

03 You need to be a market expert

04 You need to spend a lot of time

05 You don’t need to invest

© Copyright 20 23 Stoic Money. All Rights Reserved Page 9

Myths about Investing 01

You need to time the market to make money

The stock market average return for the past

© Copyright 20 23 Stoic Money. All Rights Reserved Page 10

Myths about Investing 02

You need a lot of money to start investing

Anyone can reach $1,000,000 by investing as

© Copyright 20 23 Stoic Money. All Rights Reserved Page 11

Myths about Investing 03

You need to be a expert trader to understand

Anyone can become an Independent Investor

Passive Investor Active Trader

1-4 hours per month Time 8+ hours per day

Reach financial freedom Target Make an active income

Index funds Likely Single stocks

© Copyright 20 23 Stoic Money. All Rights Reserved Page 12

Myths about Investing 04

You need to spend a lot of time to follow the

Day-trading should be avoided unless you plan

Traders making a living out of trading

© Copyright 20 23 Stoic Money. All Rights Reserved Page 13

Myths about Investing 05

You don’t need to invest, you can become

Investing is necessary if you want to counter

Nominal value Real value