Michael Alberse

Here’s where we landed for December 2025! There were only 4 sources of passive income this month, but they made up a large chunk. Moving forward, I’ll be continuing the passive income transparency in my email newsletter. This will allow me to continue sharing the numbers without the mass visibility of it here. If you’d like to keep up with these reports, they’ll be in my newsletter from now on! Just comment “newsletter” to get the once a month update. As always, thank you for your support along this journey! — Michael #passiveincome

The road to $15,000/month in passive cash flow starts today. This goal seems crazy right now, but I also believe it’s attainable. How long will this take me? A year? 5 years? I have no clue. But I want to show the journey from the very beginning so others can follow along and use my strategies. I’m nervous, but I’m more excited than nervous. Let’s do this!!

Whole life insurance gets pitched to me all the time as this infinite banking solution. And honestly, I get why people love it. But here's the part they don't tell you. Yes, after seven years of payments, your money grows faster than what you put in. Yes, you can take loans against it to invest. But you're now locked into five to ten years of monthly payments. And if your budget wasn't tight enough already, that's another commitment hanging over your head. When I'm making financial decisions, I ask one simple question: Will this give me more or less financial flexibility in the future? Last month, I was able to retire my wife. And if we had committed to a thousand to two grand a month in whole life insurance payments, that may have never happened. We invest specifically for monthly cash flow first. That income then lets us choose to put money towards whole life insurance premiums, not the other way around. Whole life insurance can be an awesome leverage tool. But it's not a product for the average person building wealth. Here's what is: buy term life insurance. Invest the difference. Build your cash flow first. Then, if you want to add whole life as a strategic layer, you do it from a position of strength, not desperation. Don't get the order out of whack. Use your money to buy your freedom first. Follow @micro.investing for real strategies to grow your net worth. - Michael Not financial advice. I'm just a random dude on the internet. #microinvesting #passiveincome #wealthbuilding #wholelifeinsurance #personalfinance #financialfreedom #cashflow #investing

They said you need thousands to start. They were wrong. The new (old) American dream? Micro-investing your way to generational wealth.

Recession resilient real estate syndication green flags ✅: 1️⃣ Completely hands off = Limited Partner 2️⃣ Already profitable = massive safety net 💰 3️⃣ Forced growth = more growth to come 📈 Are you interested in learning more about syndications? Follow @micro.investing + @biggerpockets for more investing strategies.

Saving your wife from the 9-5 isn’t about being the provider. It’s about building a life where she thrives.

Oil and gas investments work like this: you pool your money with other investors, and that capital gets deployed across multiple wells and operators throughout the United States. Here’s what most financial advisors won’t tell you about it though. I invested $50,000 at the end of 2025. By tax time, I had a paper loss of $45,000 that directly offset my active ordinary income. I also received $1,000 in cash distributions, which is 8% cash on cash for the year alone. Q2 payments will be significantly larger as more wells come online. If you’re a high earner with a W2 income, oil and gas is basically the only passive investment that simultaneously lowers your tax bill and creates a new passive income stream. It’s one of the few remaining tax shelters designed for people in your tax bracket. Most alternative investments give you either tax benefits or cash flow. Oil and gas gives you both. Follow @micro.investing for real strategies to grow your net worth. - Michael Not financial advice. I’m just a random dude on the internet. #microinvesting #passiveincome #wealthbuilding #alternativeinvesting #taxstrategy cashflow personalfinance

If you’re 18 or older and haven’t opened a Roth IRA yet, you’re leaving tax free millions on the table. The Roth IRA is the first account you should use to invest. It doesn’t matter if you have your own business like our friend who does wedding paintings, or if you work a traditional job. Anybody can do it. Here’s the process. Go to Google and search “open a Roth IRA” at Vanguard, Fidelity, or Charles Schwab. They’ll walk you through it step by step. Link your bank account, pick an index fund like VOO, and set up automatic investments. That’s it. In 2026, you can put in $7,500 maximum. I recommend you get as much of that in there as possible. That’s $625 a month. If you start today and stick with it for 40 years, you’ll have invested $300,000 but your portfolio could be worth two million dollars. All tax free. As long as you don’t have a job with a good 401k match, the Roth IRA is where your money goes first. Don’t let anyone tell you otherwise. Your kids need to know this. Send this to your siblings and friends. Get the word out. Follow @micro.investing for real strategies to grow your net worth. - Michael Not financial advice. I’m just a random dude on the internet. microinvesting passiveincome wealthbuilding personalfinance investing financialfreedom

The 60/40 portfolio is officially dead. At the Lifestyle Investor Event, I heard something that confirmed what Amy and I have been doing for years. The new framework isn’t 60/40 anymore. It’s 60/0/40. Sixty percent in stocks, zero percent in bonds, and 40% in alternatives. Here’s why bonds don’t make sense anymore. It’s not just inflation. The dollar is being debased through printing. If you want to actually get ahead, you can’t sit in an asset that loses purchasing power. You need real core assets that generate cash flow. But here’s the part they don’t tell you. Those alternative investments showing up on your 401k website or mainstream platforms aren’t the real deals. They’re loaded with fees that most retail investors don’t even know how to vet. The real opportunities come from being in rooms with other serious investors. Mastermind groups. Direct relationships. That’s where the deals actually are. The third takeaway hit different though. You build a system for your wealth. You create the machine. Then you let it run while you go live your actual life. We’ve let money and our phones hijack our relationships and our health. But here’s what I noticed in that room. Everyone was successful. And the only thing anyone actually cared about was their health and their relationships. The money was just the tool that bought them the freedom to protect those two things. Stop being a servant for your money. Let your money serve you instead. Follow @micro.investing for real strategies to grow your net worth. - Michael microinvesting passiveincome alternativeinvesting wealthbuilding cashflow

I don’t shop, but I am going to at least 3-4 investing conferences this year

You just became a parent. Here’s what your finances need right now. When Amy and I had our first baby, we realized we weren’t just protecting ourselves anymore. We were protecting someone who couldn’t protect themselves. That changes everything about how you think about money. There are five moves you need to make in the first few weeks. First, add your baby to your health insurance within 30 days. That’s your window. Miss it and you’re paying out of pocket for their expenses. Second, check your life insurance. You now have a dependent. If you don’t have term life insurance, get it now. It’s cheap and it matters. Third, grab the $1,000 child tax credit money. It’s not flashy. It’s not going to change your investment returns. But it’s free money sitting there waiting for you. Fourth, update your will and name guardians. This one hurts to think about, but it’s non-negotiable. Your kid needs clarity about what happens if something happens to you. Fifth, and this one’s important: give your budget some breathing room. Being a new parent is really hard. If there’s something that makes it easier or more convenient for your partner, just buy it. You can optimize later. Right now, you’re surviving, not thriving. The math of parenthood changes everything. You’re not just building wealth for yourself anymore. You’re building stability for another human who depends on you completely. Follow @micro.investing for real strategies that actually work when life gets complicated. Michael Not financial advice. I’m just a random dude on the internet. passiveincome wealthbuilding personalfinance familyfirst financialfreedom microinvesting

I donated my stem cells to save a man’s life. Last week, I traveled to Florida for the donation, and the experience completely changed my perspective on what it means to make a real impact. I joined the Gift of Life marrow registry back in college. A couple months ago, I finally matched with a 49 year old man with Acute Myeloid Leukemia. Being able to save someone’s life from my stem cells is an incredible opportunity that most people never get. Here’s what surprised me... Gift of Life made the entire process painless, convenient, and honestly enjoyable. I expected it to be difficult. It wasn’t. If you’ve been looking for a way to make a tangible difference in someone’s life, this is it. You can join the registry with a simple swab. That’s it. One swab could mean everything to someone fighting for their life. This isn’t an ad. I’m just genuinely blown away by my experience and wanted to share it. I’m saying prayers for my recipient for a full recovery. If you want to join, the link is in my bio. Join the registry. You never know when you might be someone’s lifeline. giftoflife stemcells donate saveaLife impact