The 40-40-20 Formula: How I Invest My Money for Safety, Growth, and Big Wins
The Money Mondays
Dan Fleyshman
4.3 • 483 Ratings
🗓️ 15 July 2025
⏱️ 46 minutes
🧾️ Download transcript
Summary
In this special solo episode of The Money Mondays, Dan Fleyshman dives deep into the investment strategy that’s guided him for decades — the 40-40-20 Principle. If you’ve ever wondered how to protect your wealth while still leaving room for life-changing returns, this is the episode for you.
Dan breaks down:
📊 40% Low-Risk: How to earn consistent returns through CDs, gold, and the S&P 500 — even in a volatile market.
🏡 40% Medium-Risk: Why real estate, established cash-flowing businesses, and individual stocks can provide solid 10-30% returns year over year.
🚀 20% High-Risk: How angel investing and Bitcoin create asymmetric upside, with strategies to manage risk and unlock big wins.
He also covers:
✅ Real-life examples of how he invests
✅ Why inflation is your silent enemy
✅ How to invest at ANY income level
✅ The power of compound interest (including how to set your kids up for future wealth)
Whether you have $10k or $10 million, Dan’s timeless framework will give you a simple blueprint to follow — helping you build wealth while avoiding common mistakes.
💡 Ready to stop sitting on cash and make your money work for you? Listen in and start creating your personalized 40-40-20 strategy today.
Transcript
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| 0:00.0 | Ladies and gentlemen, welcome to a special edition of the Money Mondays, where we cover three |
| 0:10.3 | core topics, how to make money, how to invest money, how to give it away to charity. |
| 0:14.9 | But today, we're only going to cover one topic focused on investing. |
| 0:20.0 | I call it 40, 40, 20. My investment philosophy, you may have |
| 0:24.5 | heard me sprinkle in some clips here and there over the last two years of the podcast, but today I |
| 0:29.5 | want to explain everything about 40, 40, 20, so you can understand why I've used this investment |
| 0:33.8 | strategy for my whole life. First, the first 40% is low risk investing. I want to |
| 0:40.2 | make between 5% and 9% for the year. The second part, 40% is medium risk investing. My goal is to make |
| 0:48.1 | between 10 and 30% for the year. And lastly, the final 20 of the 40, 40, 20 is 20% into high risk investments. |
| 0:55.8 | This is where I want something crazy to happen. |
| 0:57.6 | I'm hoping for 3x, 7x, 12x, something wild to happen or a big return. |
| 1:02.4 | And if I get it wrong or it takes a long time, I'm hoping that the low risk and the |
| 1:06.5 | medium risk covers the high risk 20%. |
| 1:08.8 | I want to have that as part of my portfolio so that I can have |
| 1:12.3 | some major things happen to shift my financial situation. Now, let's use a real-life example of |
| 1:18.9 | $100,000. Again, for you, this might be $10,000. You might have $10 million or anything between. |
| 1:25.4 | All the math percentages, they all equate to the same thing. |
| 1:28.8 | So I'm just going to use the $100,000 as the core number. |
| 1:31.7 | But I want you understand as you're listening to this, if you've got $10,000 to work with |
| 1:35.1 | or you've got $10 million, it's the same concept. |
| 1:37.7 | We're just going to use $100, 20 is the same math word that you have 10 grand or 100 grand. Okay, I'm very passionate |
| 1:45.8 | about this topic. I use this as part of my speeches, and sometimes it changes with the time |
... |
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