Build the foundation before the Ferrari: the order most new investors get wrong

The Mill Plan: getting to a million on purpose

Flow calls his framework the Mill Plan — as in a million — and explains it with a food analogy: just like a meal plan decides in advance what you'll eat all week, the Mill Plan decides in advance how your money gets "to a million dollars over time." The engine underneath is compounding: "have our money make money, and then have that money make even more money."

Step 1: dollar-cost averaging

First, decide on an amount you'll invest every paycheck — say $200 — and automatically deduct it from your bank account into whatever you've chosen to hold. "With dollar cost averaging, the focus is not timing the market, it's time in the market." You keep pouring in a little, and over time it compounds.

Step 2: turn on DRIP

Next, activate DRIP — your dividend reinvestment plan. Many companies pay a dividend (Flow calls it "profit sharing") just for holding the stock. Instead of taking that cash and spending it, DRIP automatically buys you more shares, "making your snowball even bigger over time. That is where money truly compounds."

The trap: Ferrari before Toyota

Here's the mistake: "they try to build the day-trading account before they build the long-term account" — like building a house with no foundation. Set the foundation first; day trading can come later, once the base is in place. Flow's close is the whole brand in a sentence: get "better by 1% every single day."

This is educational content, not financial advice. Any figures are illustrations, not promises. Investing involves risk, including loss of principal. Do your own research and consider a licensed professional.