Bratto Biz Substack Launch 🚀
About
Inspiration
I’m launching this space to share my personal finance, investment, and business content. I believe my personal finance philosophy & strategy enables people to achieve true financial stability, security, and freedom.
I've been around the world of finance and business for as long as I can remember. My grandfather, an Assyrian-Chaldean immigrant from Iraq, immigrated to the USA with $45 in his pocket and built a small empire of real estate, business, and stock investments1. He was my first mentor, and I am fortunate for the knowledge and confidence he instilled in me in the arena of finance & investing.
Professional Background
Business Leader, Engineer, and Continuous Improvement Expert at a private company, where I lead initiatives to improve operational efficiency and P&L management.
Contributing Writer on Seeking Alpha, the #1 stock market & financial analysis site, where I share investment strategies and analysis. Links to exclusive articles with no paywall:
Consultant for Business Continuous Improvement and Personal Finance.
Founder of MyLeaseBuddy Mobile App, a free financial services app to manage lease mileage costs.
Community
Bratto Biz Substack
I have a unique personal finance philosophy & strategy which brings me to Substack! My personal finance philosophy enwreathes the goal of eliminating my emergency fund by continuously improving free cash flow (FCF), generating independent income, and eliminating debt. No school of thought addresses the financial risk represented by your emergency fund, which is simply income insurance. It is the most expensive insurance policy you pay for and the only one you can eliminate to achieve financial security.
The cornerstone of the Bratto Biz Substack is visualizing our bills' value in terms of invested stock assets. I'll chart my journey of deleveraging my emergency fund and increasing my stock assets to achieve financial security systematically, offsetting one bill at a time. I'll share my analytics on the homepage and in my newsletter, which you'll be able to follow along and replicate for FREE.
The Bottom Line Newsletter
Bratto Biz Substack will primarily feature 'The Bottom Line' Newsletter, an executive-style publication delivering concise and actionable insights on personal finance, investing, and business news that impacts your bottom line, delivered to your inbox three times a month.
Value Proposition
If you like what you’ve read so far, becoming a free or paid subscriber provides you actionable financial insights, fit for today’s busy world, you can partner with to achieve financial independence.
Free
1 week access to each newsletter.
Access to 1 exclusive Seeking Article I publish each month.
Paid ($5/month)
Access to newsletter archive.
Access to all Seeking Alpha articles I publish.
20% off your first Minnect, 10% off thereafter.
Future value-add perks.
It’s important to me that paid subscribers can afford the subscription following my financial philosophy and strategy. I would prefer paid subscribers to sign up when they can cover the monthly subscription cost through their own invested assets, like dividend paying stocks/ETFs. Anyone can achieve this by investing between $500-$6000, at a 1-12% yield range, into an investment of your choice2. I hope my Seeking Alpha articles help guide what’s right for your portfolio.
Additionally, I will be holding myself accountable to do the same as reflected in the Emergency Fund Elimination Dashboard. Since I cannot actually pay myself for the subscription, I will donate this money at a meaningful match to a charity at the end of the year.
I look forward to sharing engaging content to improve your bottom line!
$521 in 2023 dollars
For example, a dividend ETF paying you a 3.5% annualized yield would require you to invest $1715 = ($5/0.035)*12