How to Build Wealth from Nothing

An 8-step process to go from debt to prosperity

There are countless articles and advice columns that cover the topic of building wealth, but very few of them give an actionable step-by-step strategy and the tools necessary to help everyday Americans go from debt to prosperity. The journey is generally pretty simple, but not necessarily easy. So we've put together a no-nonsense guide to significantly increase your net worth and build wealth over time. Our mission at Harvest is to increase the net worth of our members by $1 trillion by 2030 and this guide outlines how we plan to help every member along the way. Join us.

Automate Your Wealth Building

Understand HOW to Build Wealth

The first step in building wealth from nothing is to understand HOW to build wealth. Orient yourself with the PRO Index that takes a comprehensive audit of your finances and record progress over time with a net worth tracker.

How to Build Wealth from Nothing

Recover Acute Debts & “Find” Money

You can put money back in your pocket right away on your journey to building wealth by recovering acute debts such as bank fees, reclaiming missing money from state and local governments, and liquidating assets you don't need anymore.

How to Build Wealth from Nothing

Prevent Wasted Expenses

After recovering acute debts and generating cash from step 2, the next step is to prevent those same acute debts from happening again. Combine this with auditing your recurring payments and you'll be saving up to thousands of dollars per year.

How to Build Wealth from Nothing

Discipline Your Spending

Discipline is often touted as the bridge between goals and accomplishments. And like many things in this series, the concepts are simple but not easy. Fortunately there is a low-stress method to cutting spending and setting aside more money each month.

How to Build Wealth from Nothing

Reduce Conventional Debts

After employing the spending strategies from Step 4, you can apply your extra savings towards high-interest debts to drastically increase your net worth over the long-term.

How to Build Wealth from Nothing

Automate Savings

Once your debts are paid off (with the exception of mortgage), you can now start building up your savings and bolster your financial stability.

How to Build Wealth from Nothing

Invest

After you have a significant savings cushion that can cover at least 6 months of expenses, there are multiple avenues to start investing money so that it can work for you in a diversified manner.

How to Build Wealth from Nothing

Pay it Forward

What good is building up your net worth if you can't bring others on the journey with you? Your family, friends, and community can share the fruits of your knowledge in building wealth for the long-term.

How to Build Wealth from Nothing