Sales of the Early Retirement Masterclass (ERM) has breached the $1 million mark, three years since I went down this path. While this pales against folks who launch new cryptocurrencies, this is the first in my life where I get to build a product, sell it in person and then deliver it to customers before I can get paid. I’ve built my ERM to disrupt the training industry:

• The trainer invests in student-built portfolios. If the training is terrible, the trainer suffers because he has not taught the program well. This feature is only possible if the trainer is, himself, financially independent.
• Every student portfolio is tracked, and overall, XIRR is published. There is no luxury of cherry-picking successful clients and ignoring the rest. Fortunately, returns have doubled that of the STI ETF so far.

Still, a lot of what ERM achieved today was luck and excellent timing. But here are some things I got right:...