-
Rose Han paid off six figures in debt before building a seven-figure net worth.
-
Her income escalated when she built a business that tapped into ‘one-to-infinity’ leverage.
-
Anyone can use this strategy. It starts with asking yourself: What value can I provide?
Rose Han, like many, learned to earn money linearly — hour by hour, paycheck by paycheck.
For years, she traded her time for money in her corporate job. She made good money, enough to start tackling her six-figure student loan debt and invest in the stock market. But it wasn’t until she tapped into the idea of “leveraged income” that her income soared and pushed her net worth over the seven-figure mark.
“That’s a completely different mentality that we don’t learn in school,” Han, who runs a financial literacy company, told Business Insider, but it’s a powerful one. “Leverage is the explanation behind any significant wealth creation, no matter who you look at.”
To break down the concept of leveraged income, Han uses the example of a fitness trainer.
She explained that if they’re working one-on-one with a client, there’s no leverage: “You show up, trade hours for dollars, and you get paid.”
But if they start a group fitness class and can train multiple clients at once, that’s what she calls “one-to-many leverage,” and their earnings go up without having to work more hours. “Now they’re serving 10 people at once and therefore making about 10 times more.”
The final level, “one-to-infinity leverage,” can create life-changing wealth. This is when the trainer builds an app with weekly workouts and a meal plan feature, for example.
“They could create that app once, and millions of people around the world can subscribe,” said Han. “That concept really was the key that I unlocked.”
She didn’t get to one-to-infinity leverage overnight.
Her business began in the basement of a coworking space, where she hosted free personal finance classes based on her own experience paying down debt and using index funds to grow her net worth.
“I was just learning a lot on my financial awakening journey, so I wanted to share it,” she said. “In the back of my mind, I thought, ‘OK, maybe there’s some way I could make this lucrative,’ but that’s not the goal.”
She hosted free classes for nearly two years, until she gained the confidence to start charging. Then, instead of keeping the class within the coworking space, she decided to move to YouTube, where her reach would be far greater.
